Consumer complaint received 2021-02-25
Company: Receivables Management Partners, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is major violation this was supposed to be deleted off my credit report. We will be seeking damages against RMP LLC and original creditor. This was the last message we got from RMP LLC as followed : Receivables Management Partners , LLC has reviewed the consumer 's complaint and appreciates the opportunity to provide a response. The account in question was assigned to our company on XX/XX/XXXX. We sent the consumer a validation notice on XX/XX/XXXX with no notification of mail return. The validation notice would have advised the consumer that the account was placed for collections and provided her 30 days to dispute the validity of the debt. The consumers written correspondence was received and notated on her account XX/XX/XXXX. The account was placed on a cease communication status and marked as disputed. Our office sent three requests for verification of the debt from our client. We will request the tradeline be deleted due to untimely response from our client. If our client does not return verification of the debt the account will be closed and returned to our client. If the consumer needs any additional information, we can be reached at ( XXXX ) XXXX Monday through Thursday from XXXX XX/XX/XXXXto XXXX XX/XX/XXXX EST and Friday from XXXXXX/XX/XXXX to XXXXXX/XX/XXXX EST.\\\ Does your agency have a debt collection license in Virginia? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license.. 
On XX/XX/XXXX I pull my credit report and found out that RMP LLC : ORIGINAL CREDITOR : DRS. XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The RMP LLC, did not response with in 30 days. By not replying in timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, XXXX XXXX, No. XXXX, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX from XXXX fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately. Please answer all those questions on the attachment and send documents we requested. Are your claim is not justified.

Company response to consumer: Closed with explanation