Consumer complaint received 2021-01-03
Company: Creditor's Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Creditor Collection Services XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern : For the amount of {$600.00} I request validation of the alleged debt pursuant to the FDCPA, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. Since you illegally put an item on my credit file with even sending me notice. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. That is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ( CREDITOR COLLECTION SERVICES ). 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

I advise that you assure that your records are in order before I take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 

This is what I sent and did not get a response back from the company nor have I received any responses via mail or email.

Company response to consumer: Closed with explanation