Consumer complaint received 2023-12-10
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Request for Clarification on Debt Collection Practices Dear Debt recovery solutions I am writing to express my concerns regarding the recent debt collection communications I have received from your agency. I believe there may be elements of extortion in the process, along with federal and state law violations. I am seeking clarification on the matter. 

I reached out to DRS via phone call XX/XX/2023 at XXXX and spoke to the XXXX XXXX XXXX XXXX regarding this account. XXXX XXXX stated that this account has been submitted for deletion and that it would take 14-30 days to reflect. 

Upon doing forensic analysis on account XXXX that has posted to my credit file by DRS I have determined I have no record of business with DRS. According to the credit report the original creditor for this account is XXXX XXXX XXXX. I have never given consent to DRS to satisfy any debt on my behalf. DRS satisfied the debt obligation with XXXX  XXXX and is now trying to extort me for an extension of credit which is a violation of 18 usc 894. The company has sent out correspondence, and has placed this account on my credit report ruining my character and harming my familys general mode of living. 

I request immediate clarification of this debt and an explanation of your collection procedures. I am prepared to take appropriate action which includes seeking criminal and civil penalties to address this matter. 

Im requesting DRS provide proper documents to debt collect in the state of Texas. Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. I will be submitting a complaint with the state attorney general along with the registrations unit. 

Registrations UnitStatutory Documents SectionOffice of the Secretary of StateXXXX XXXX  XXXX XXXX, Texas XXXX ( XXXX ) XXXX Im requesting the master purchase agreement between DRS and the original creditor for this disputed account. I will not accept just a bill of sale as that does not contain all information in the master purchase agreement. The completeness doctrine is to ensure the jury views the incomplete statements in its full context. Im sure the DRS attorneys understand rule 106 when presenting evidence in litigation.

Im requesting the official affidavit of debt.

Im requesting that DRS show me you are the original holder in due course of this debt.

Im requesting all the accounting records that prove I owe this debt from the time the account was open up until today XX/XX/23. Based on case law billing statements and a contract alone does not provide sufficient verification of debt. Ill refer DRS to 2 cases Pacific Concrete F.C.U. v. Kauanoe and Spears v. Brennan.

Im also requesting the original privacy notice. Under 15 usc 6802 The law states that 3 disclosures have to be given in order to share any non public person information. A consumer credit contract cant supersede federal law. Thats fraud. Also, the Federal Trade Commission states that without proper consent that is identity theft. 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information

Company response to consumer: Closed with explanation