Consumer complaint received 2020-11-15
Company: MRS BPO, LLC
State: DC
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:
On XX/XX/2020 I received a XXXX  letter in a white envelope from MRS BPO LLC demanding payment for {$5700.00}. I am disputing this alleged debt as well pointing out violations that are this company is liable for under 15USC 1692k. In addition this is a blatant violation of the emergency Act 23-286, the COVID-19 Response Supplemental Emergency Amendment Act of 2020 ( Emergency Act ) of the XXXX XXXX XXXX. My dispute is below and attached The undersigned private man/woman, one of the people, protected under Article III Section 2 of the Constitution for the United States of America, with a legal identity known as a federally protected Consumer ( natural person ) -1692a ( 3 ), codified within the Fair Debt Collections Practices Act 15 U.S.C. 1692, a strict liability statute that applies to and demands compliance from debt collectors such as yourself, presents this offer to MRS BPO L.L.C in response to your communication dated XX/XX/2020 : As no meaningful relationship is known to exist between myself and your agency, in the absence of a valid and lawfully binding contract between myself and your agency, your recent, unintelligible communication, dated XX/XX/2020, has left myself, a federally protected consumer, stark with confusion. Pursuant to 15 U.S.C. 1692c ( a ) & ( b ), Communication with the Consumer generally- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction ( court of the United States ), a debt collector may not communicate with a consumer in connection with the collection of any debt. *Violation # 1 The consumer has not authorized any right of prior communication between him/herself and MRS BPO L.L.C.. So that you may avoid being assessed a compensatory liability for your invasion and trespass into my private affairs, you are hereby ordered to produce documentation, such as a consent order, signed by the consumer and your collection agency, or a court of competent jurisdiction and your collection agency, that may serve as evidence of the prior consent and/or permission provided to you for the purpose of communicating with the consumer in connection with the collection of any alleged debt. Your unauthorized contact serves as both an invasion and trespass of the consumers legally protected interests that are concrete and particularized and have invoked the consumers Article III standing and jurisdiction. Furthermore, your unwarranted communication serves as an attempt draft performance from XXXX XXXX XXXX, the consumer ( natural person ), without offering adequate and just compensation. Within the four corners of your communication exists the following statement ( s ) Unless you dispute the validity of this debt or any portion thereof in writing, within 30 days, this office will assume this debt to be valid. The term unless, according to XXXX XXXX online dictionary, is a term used to say what will happen, be done, or be true if something else does not happen. Although I am under no duty nor obligation to respond to your frivolous communication, you leave me without choice in this matter, due not only to the financial burden this would place upon myself and family, but also the imminent and immediate danger my reputation and standing would suffer as a result of such non-response. Take Notice that pursuant to 15 U.S.C. 1692d ( 1 ) debt collectors such as yourself are prohibited from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of any debt. Violation # 2 As I, the Consumer, would be one of the original transacting parties with verifiable first hand knowledge of any and all consumer transactions I've executed, I am unable to verify and determine the origin of your claims asserted within this unsigned communication that youve chosen to advance via the United States Postal Service ( USPS ) against myself, my family, and my household. With that being said, it appears that you claim to have recovered an alleged asset account # XXXX of mine. Thank you for the retrieval of this alleged account. However, as stated above, no meaningful relationship exists between myself and your organization, therefore I am confused as to why you have made the demand that I pay your organization {$5700.00}? Are you putting forth a claim that I am indebted to your organization? If so, you are hereby in receipt of notice under U.S. Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), that your claim is DENIED, and this debt is now officially in dispute. To dispel any notion or confusion about the legitimacy of the alleged account # XXXX and debt, as well as to process and settle any and all claims, payment of the alleged obligation is conditional upon debt collectors complete and unambiguous fulfillment of the following terms set forth ( hereinafter-Terms & Conditions ). Debt Collector has thirty ( 30 ) days to properly and timely verify and validate the alleged account and debt as follows : a. Present all original account/loan level documentation from the original transacting parties containing verified signatures from all original transacting parties verified under oath and penalty of perjury to support your claim of indebtedness. 


In addition by this company having my personal identifying information it appears to be identity theft on behalf of the company which is a federal violation as I did not authorize them to have my information which may include the consumers social security number

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief