Consumer complaint received 2017-10-06
Company: Financial Recovery Services, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in regards to a debt collection agency listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Also doing business as XXXX XXXX XXXX out of Minnesota. 

The following is a letter that I sent to the company via certified mail in which I received a return receipt on XX/XX/XXXX. I sent this letter in the allotted time allowed to respond. This agency continued to report information to all three credit bureaus during the dispute and made no notations on the account that it was being disputed by me. It was reported on XX/XX/XXXX well after they received the letter requesting documentation validating and verifying the debt. I have not, to date ( XX/XX/XXXX ), received any of the information requested. 

I contacted XXXX to dispute the debt and after their investigation the debt was deleted from my XXXX account but appears on XXXX and XXXX. 

XX/XX/XXXX To Whom it may concern : This is in response to a letter I received concerning This is notice that your claim is being disputed and validation of the alleged debt is requested. I am requesting proof that I am the party you are asking to pay pursuant to 15 USC 1692g section809 ( b ) of the FDCPA.
Please provide the following documentation : *Original credit application/written agreement signed by person that you say the alleged debt belongs to.
*Please provide a copy of the executed contract in ( Credit Card Company ) possession setting forth the terms the alleged debtor agreed to in connection with the card at the beginning.
*Please provide a copy of any modifications to those terms specifically agreed to by the alleged debtor *Please provide a copy of all original statements from the beginning of time the said contract was signed to the present *Please produce details regarding alleged charges by amount, type and date. Not just alleged owed total amount.
*Please produce evidence of all payments received *Name and address of the alleged creditor By law, the collection agency is required to trace in his statement of claim the derivation of the cause of action from his assigner that the agency is in fact, the present owner of the cause of action so that I may dispute or challenge the alleged debt or claim against me.
There has never been an exchange of money or items of value between me ( alleged debtor ) and your collection agency. I have never entered into any contractual or debtor/creditor arrangements. Please provide consideration that you have a valid, binding and enforceable agreement or contract to prove alleged debt. If your collection agency has made an agreement with the original collector of alleged debt, the alleged debtor ( I ) was not a party to those terms. Therefore, this is lack of privity. The law states that the debt collector can not collect any amount of money that is not permitted by law or by the agreement and because there has been not agreement between the alleged debtor and your collection agency, no collection can be sustained I respectfully request the above documentation within 30 days. Once all of the above documentation is received I will require 30 days to investigate this information and to consult with an attorney. Should your office fail to respond to this validation request all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. I will not consider the alleged debt if any portion of the above is not completed and returned with copies of all the requested documents. This is a request for debt validation made pursuant to the Fair Debt Collection Practices Act.
Thank you,

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