Consumer complaint received 2020-02-26
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To : CHOICE RECOVERY INC. 
From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Wednesday, XX/XX/2020 You are hereby notified under the provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer needed or desired in this matter.

1 ) You and your organization must CEAST & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and this state Attorney General 's Office. I will pursue all criminal and civil claims against your company.

2 ) Let this letter also serve as your warning that I may utilize telephone-recording devices in order to document any telephone conversations that we may have in the future.

3 ) Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle my account with the original creditor, if I ever am able and the statute of limitations hasn't run out.

CHOICE RECOVERY INC. has violated the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 - 609-611 CHOICE RECOVERY INC. has violated the Fair Debt Collection Practions Act ( FDCPA ) : 809. Validation of debts ( a ) Notice of debt, contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

CHOICE RECOVERY INC. did in fact place a negative item on my credit report in the amount of {$40.00} without sending a debt validation letter with the proper 30 day time frame by law to disbute the debt and in fact the negative item was already on my credit report before reciving any communication - violating both the Fair Debt Collection Practices ACT ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). CHOICE RECOVERY MUST remove immediately fron all credit bureaus including XXXX, XXXX  & XXXX  said negative item or face this violation of the law being reported to the Federal Trade Comission ( FTC ).

I expect your immediate compliance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation