Consumer complaint received 2019-10-17
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After several attempts, I never received proof that debt belongs to me or that I agreed in writing to pay Innovative Recovery for alleged debt. I am unable to verify even the name of this company. Innovative Recovery reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) /FCRA, I have the right to request immediate validation of the debt Innovative Recovery says I allegedly owe. I am requesting proof that those named in the account are indeed the parties you are asking to pay this debt, and there is some contractual obligation that is binding them to pay this debt. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I request that your offices provide me and CFPB with competent evidence that any persons named on this account have any legal obligation to pay. For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The current balance. Any fees added by your agency. My original signature on the application from the creditor - my original signature on an application with your office consenting to any service.I will also inform Innovative Recovery that if their offices have or continue to report invalidated information to any of the three major credit bureaus or specialty bureaus, this action does constitute fraud under both federal and state laws. Due to this fact, if any negative items or marks are found or continues to be reported on any of the named credit reports by Innovative Recovery or the companies you represent, I will not hesitate in bringing legal action against Innovative Recovery and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put Innovative Recovery in serious legal trouble with the FTC and other state or federal agencies.Verification that this debt was assigned or sold to collector. Complete accounting ( ledger/statements ) of alleged debt on original creditors books and Innovative Recovery books. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Innovative Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with original documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act and FCRA guidelines. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me.

Company response to consumer: Closed with explanation