Consumer complaint received 2019-07-08
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:
NEVER received proof that debt belongs to me or that I agreed in writing to pay Innovative Recovery ( IR ) for alleged debt. IR 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 IR says I alleged owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to IR. 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 I have any legal obligation to pay IR. At this time I will also inform IR that if their offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ) 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 my credit reports by IR or the companies you represent, I will not hesitate in bringing legal action against IR 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 IR in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I require 30 days to investigate this information and during such time all collection activity must cease and desist. All items of collection added to credit bureaus must be removed immediately per federal consumer rights guidelines meant to protect consumer. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to continuing filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If IR fails to respond to this validation request within 3 days from the date of this complaint, all references to this account must be deleted from my credit file and a copy of such deletion request shall be sent to me immediately. CREDITOR/DEBT COLLECTOR DECLARATION pursuant to FDCPA/FCRA laws. Please provide the following ( please note all items must be completed and original forms no copies with original signatures ) : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor and signed agreement that alleged debtor agreed to pay Innovative Recovery ( in its entirety with debtors original signature in writing ). Any insurance claims made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number associated with original creditor. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable with contract agreeing to payment signed by alleged debtor and IR Date of original charge off or delinquency from original creditor. Verification that this debt was assigned or sold to collector. Complete accounting ( ledger/statements ) of alleged debt on original creditors books and IR books Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for IR 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 allow 30 days for processing after me and my attorney receives the requested documentation.

Company response to consumer: Closed with explanation