Consumer complaint received 2021-08-08
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA, XXXX Thank you for your response, which is attached. Being that you have acknowledged that your company must follow the federal law set forth by congress in order to protect my rights as a consumer, your company should already know that you are in fact violating my rights as a consumer. 

Since you have already classified yourself as a debt collector, and not just a debt collector but a purchaser of this alleged debt from the original debt collector you understand that you initially violated my rights once you, and the debt collector that you purchased this alleged debt from, began any means of communication in connection with this alleged debt without my consent. Then, you continued to violate my rights once you communicated this alleged debt with consumer reporting agencies, also without my consent. This is in fact a violation of the FDCPA, 1692c, XXXX, XXXX XXXX has never given your company nor any debt collector any consent to communicate with any debt collector nor consumer reporting agency by any means. 

Secondly in your response you claim that I have an account with you. Please send over any documentary evidence that bears my signature that shows that I have any contract with you and your company. It is from my understanding that this alleged debt was in fact purchased therefore even if I were to even have any alleged account with the debt collectors that PDQ Services , Inc. purchased this alleged debt from, that alleged contract will be with that debt collector, and only that debt collector, and not with the purchasers of an alleged debt. Therefore, anything else that the debt collectors, PDQ Services , Inc. presents, including any alleged documentary evidence, is in fact heresy. Which will also make your company in violation of section 1692j of title 15 because you have unlawfully designed, compiled, and furnished a form that created a false belief about an alleged debt that I, the consumer, allegedly owes when in fact you have no right to collect on this alleged debt. 

Please be advised that under the provisions of the FDCPA, only I, the consumer, has the right to validate any debt as under section 1692g of title 15. A debt collector can only ASSUME that the alleged debt is valid, and the failure of a consumer to dispute the validity of a debt may not be construed by any court nor debt collector as an admission of liability by the consumer. 

Also please define the terms " frivolous and irrelevant '' as defined under the FCRA. What part of my prior dispute was frivolous and irrelevant if it is a request of debt validation in which I have the legal right to request as said so by congress under the FDCPA? Therefore the claim by your company of my previous dispute being " frivolous and irrelevant '' was not reasonable nor factual by any means, which under the FCRA is grounds for a consumer reporting agency who claims that any dispute by a consumer is frivolous and irrelevant. Please also show me in the FDCPA, where it says that I, the consumer, has a time period to REQUEST validation. By law your company must respond to the disputes that I, the consumer, brings forth, and your company has 30 days to respond, as that is what the law says. 

Being that in your response your company has identified themselves as a consumer reporting agency, your company has also violated my rights under the FCRA, when your company furnished a consumer report without my written instructions. Therefore, you are in violation of 15 USC 1681b when you furnished this alleged information to any other debt collector or consumer reporting agency. This violation is not only an invasion of my privacy, but also detrimental to my reputation, and causing a substantial amount of harm to my character, and mode of living. 

All of these violations that your company, PDQ Services , Inc. has engaged, and continues to actively engage in is harassment and abuse as said so by me, the consumer, and by congress under the FDCPA, 15 USC 1692d. 

So as a consumer, I am demanding the following specified remedies : 1. Deletion of any and all references of this alleged account ; 2. The removal of this account from my credit file ; 3. XXXX out the balance of this alleged account By law any notices from a consumer are official when received by the debt collector. As a consumer I give your company 5 business days to satisfy my specified remedies. If you fail to comply, as a consumer I will follow up with whatever action is necessary as you will be held liable for noncompliance under the Fair Credit Reporting Act, 15 USC 1692k, and the Fair Debt Collection Practices Act, 15 USC 1681n, as well as the Gramm-Leach-Bliley Act.

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