Consumer complaint received 2020-05-05
Company: Orion Portfolio Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a receipt of XXXX XXXX XXXX XXXX XXXX XXXX unsigned response to CFPB complaint XXXX, dated XXXX XXXX, where your have stated quote, " XX/XX/XXXX ( Via CFPB Portal ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Re : Our Reference No. Creditor XXXX Dear XXXX XXXX : Orion Portfolio Services LLC Former Creditor : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has received your complaint dated XX/XX/XXXX filed with the Consumer Financial Protection Bureau. XXXX has researched this matter and the findings are set forth below : The above-referenced account is closed in XXXX XXXX. It is XXXX intent to have no further communication with you regarding this matter. Further inquiries may be directed to Orion Portfolio Services LLC at XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX, XXXX, GA XXXX. We appreciate the opportunity to respond to your inquiry. Very truly yours, XXXX Consumer Affairs '' According to the Fair Debt Collection Practices Act ( FDCPA ), any debt collector who contacts a consumer claiming they owe payment on a debt is required by law to tell the consumer certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor. 

On XX/XX/XXXX at approximately XXXX XXXX, XXXX XXXX XXXX made initial contact calling from XXXX XXXX, the representative stated he was calling from XXXX XXXX XXXX and at no time during the conversation did the representative provide the amount owed, that l could dispute the debt, that l could request the name and address of the original creditor, if different from the current creditor. 

Furthermore, ( FDCPA ) states that if the debt collector doesnt provide this information when they first contact you, they are required to send you a written notice including that information within five days of the initial contact. 

If the agency contact me on XX/XX/XXXX and their only response is acknowledging my CFPB complaint XXXX, dated XXXX XXXX, would indicate that they are in violation of the ( FDCPA ). 

XXXX XXXX XXXX is required to send a written notice including that information within five days of the initial contact which would be XX/XX/XXXX. Because XXXX has fail to respond in a timely manner, revealing a violation, I am resubmitting my complaint to add a new finding. 
The CFPB has informed me from previous complaints that an agency should not combine new and separate complaints as duplicates. 

For the agency to provide only the response, quote, " This account is closed in XXXX XXXX. It is XXXX intent to have no further communication with you regarding this matter. '' " Further inquiries may be directed to XXXX XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX, XXXX, GA XXXX. ", Is insufficient and does not provide any standard set forth by the ( FDCPA ). 

Please note that Orion Portfolio Services LLC did not contact me, XXXX is the one who made initial contact and XXXX should be held accountable and follow the provisions and requirements set forth by the ( FDCPA ). 

Up to this point, I am still waiting for the information XXXX Is required to provide and not to be pushed off to the current creditor. 

If the agency log this complaint as a duplicate I will have no other choice but to move forward with expanding thisnew and separate violation.

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