Consumer complaint received 2022-03-11
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name if XXXX XXXX who has been granted a Durable Power of Attorney by my sister-in-law, XXXX XXXX XXXX, to assist with her issue with R & B Corporation of Virginia , D/B/A Credit Control Corporation ( " CCC '' ) . 

On or about XX/XX/2022, following a discussion with a CCC employee, and as confirmed by email, I notified CCC of my designation of Power of Attorney for XXXX XXXX and that she was willing to settle the debt claimed to be due, once the debt was validated. It is important to state for the record, that this communication occurred within a few days of XXXX XXXX becoming aware of existence this claim through a review of her credit profiles and that no other statement or notice had been provided to her prior to that date. XXXX XXXX had never received any prior communications, statements or other evidence of the alleged debts until she underwent a routine examination of her credit report. 

This means that the requirements of the Fair Debt Collections Practices Act were to be met. Instead of a vague summary listing of your claim which we obtained, we required confirmation in writing, and CCC agreed, regarding why CCC believed XXXX XXXX owes this debt, the amount ( s ), details and age of the claim ( s ) and details regarding your authority to collect this debt that would include the proven validity of the debt in writing from you. More specifically, this includes : Name and address of the creditor Verification and documentation that there is a valid basis for this claim and of XXXX. XXXX  personal liability Copy of the most recent billing statement Amount of the original debt claimed and when originated Itemized accounting for the debt claimed When the creditor claimed this debt to be due and when it became delinquent Regarding your authority to collect this debt verification that you are licensed in the XXXX of Virginia and provide details thereof. 

Once again, this was agreed to by CCC. 

On or about XX/XX/2022, following another call to CCC, I again wrote to CCC via XXXX  provided by CCC and U. S. Mail. This letter documented a prior telephone conversation with a CCC employee during which she confirmed CCCs inability to prove the validity of that debt and reasserted our dispute of CCCs claim ( s ). Copied on this letter were XXXX Billing Department and XXXX XXXX XXXX Claims and , as of this writing, nobody has provided proof of this claim as repeatedly requested by XXXX XXXX and me. Also copied were the three national credit reporting agencies.

Since then, the proscribed 30 day period to respond and enforce collection as required by Law has expired. Despite that, I, again, contacted CCC which continues to ignore these efforts, except that they have made repeated efforts to collect this claim from me following notification that this is not my debt and that I nay not be contacted in any effort to collect this claim.

As of this writing, despite the foregoing, none of this information has been provided and that I have been contacted by CCC in attempts to collect this debt, in which CCC knows that I am not liable for this debt and without having ceased collection activity prior to compliance with the validation requirements of the Fair Debt Collections Practices Act each a specific violation of the Act.

Accordingly, since CCC admittedly is unable to properly validate this claim, has failed to do so within the requisite time period despite repeated requests from us, we demand again that all collection activity cease, that the debt claim be expunged from your records and that the three credit reporting agencies be notified to remove these derogatory markers from their respective entries to XXXX XXXX. 

As of this date, there has been no change to the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation