Consumer complaint received 2016-06-27
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A letter was received from Franklin Collection Service ( also called FCSI ), Inc requesting payment for a {$460.00}. In response to this letter dated XXXX, I sent a letter back requesting validation of the alleged debt. I requested validation in accordance with the Fair Debt Collection practices Act under 15 USC 1692 ( g ). Specific requests were made for a copy of the original contract or member agreement with a statement under penalty and perjury that FCSI is the holder in due course for the contract for the alleged consumer debt. In addition a request was made for the account and the ledger statement showing full accounting of the alleged debt. The letter specifically informed FCSI that any extrinsic materials referenced can only be used if the party who prepared the extrinsic materials attaches a signed and dated affidavit. All persons, corporations, associations and other parties having legal interest regarding the debt were requested to be identified. In addition a request was made for FCSI to verify under penalty and perjury that as a debt collector they are actually proceeding with the collection activity in the name of the original maker. of the contract for debt and verification was requested that FCSI was authorized to act for the creditor. 
A response letter was sent on XXXX XXXX, 2015 from FSCI which stated " Itemization, Verification and Validation of Debt, Deny Inaccuracy '' " This letter serves as compliance to Section 809 ( B ) per your request. '' This is not what I requested. This response is insufficient and did not address the Initial Dispute Letter which directed FCSI to specifically address question # XXXX, # XXXX, ( all not part of # XXXX, # XXXX, # XXXX, # XXXX and # XXXX ). FCSI also sent a letter on XXXX XXXX, 2015 Titled " RE : Request for Final Bill '' It stated per your request, please find enclosed a copy of the original creditors billing statement. I never made a request for a Final Bill from FCSI. I requested " proper '' validation of Debt, following the strict guidelines of FDCPA and to address the XXXX questions on the dispute letter which was sent on XXXX A letter was mistakenly dated XXXX, however as confirmed by the certified mail # XXXX and the green card receipt, the letter was sent on XXXX. It was addressed to the unidentified writer/composer/generator of the XXXX letter, because there was not identifying information on the correspondence. I informed the writer of the correspondence that a request for copy of the original creditors billing statement was never requested. 
The issuer of this correspondence is in violation of the 15 USC 1692, by failing to provide " proper '' validation of the debt when this was requested on XXXX occasions. In addition the authenticity of the correspondence can not be established given there is not a signature associated with a " natural '' person to contact to be held accountable for such errors. As a creditor I am invoking my private right of action to demand the payment for noncompliance of the Fair Debt Collection Practices Act. 

I am demanding the the person who violated the act to pay the {$1000.00} for noncompliance and to pay me for ( XXXX/hr a reasonable attorney fee-rate ) for the time energy and cost that I have expended in bringing forth this claim XXXX hours ( including cost/mailing/time ) x {$250.00} = {$3200.00} plus FDCPA violation 15 USC 1692 X {$1000.00} Totals {$4200.00}

Company response to consumer: Closed with explanation