Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/2021 To whom it may concern : I would like to file a complaint against XXXX D & A Services , LLC. I just received the attached collection letter from this collection agency for a debt that I have already disputed against, XXXX XXXX Bank, because I do not owe XXXX Bank the {$710.00} that they continue to send to different collection agencies claiming that I owe these funds to them. 

Each time that I have disputed this fraudulent charge that XXXX XXXX Bank has run up themselves with their usury fees, and charges. 
XXXX XXXX continues to pass on this debt that they know full well that I do not owe, to collection agency, after collection agency. 

And the collection agencies have been placing these fraudulent charges onto my credit files without first even verifying the debt, just as XXXX XXXX XXXX has done. 

Just as the attached collection letter that I have sent to you shows, XXXX D & A Services , LLC, is claiming that XXXX XXXX XXXX, a collection agency, is the current owner of this bogus collection debt, the same debt that XXXX XXXX XXXX, did not verify first, prior to slandering my credit, the same debt that I have already disputed, they are now passing on to another collection agency. 

I have already disputed this {$710.00} debt, along with two others against XXXX XXXX XXXX that they had claimed to have acquired from XXXX Bank. 
I do not owe the debts that XXXX Bank is trying to charge me for, as well as XXXX XXXX XXXX, and now this new collection agency, XXXX XXXX D & A Services LLC. 

And although I have disputed the collections that XXXX XXXX XXXX has unlawfully placed onto my credit files, collection accounts that they know that they never prior verified. 

Both XXXX XXXX XXXX, and XXXX Bank are now trying to pass on these collection accounts onto this XXXX D & A Services LLC, knowing full well that I did not charge up the false balances that they are destroying my credit with. 

XXXX XXXX XXXX knows full well, that they placed collection accounts onto my credit files maliciously, and wrongfully without verifying the debts, and this is unlawful. 




Since last year after I learned about them, I have disputed these false collection accounts that XXXX XXXX XXXX has wrongfully placed onto my credit files, collection accounts that they never did prior verification of debts on. 

I requested copies of my credit reports from the credit bureaus, and this is how I had found out about the collections, and that both XXXX Bank, as well as this XXXX XXXX XXXX, were both listed on my credit files, destroying my credit twice. 

My credit files are being dinged twice, for each of the accounts that XXXX has wrongfully ran up, and is falsely claiming that I owe. 

Both XXXX Bank, and this XXXX XXXX XXXX, have doctored up status dates onto my credit files, making it to look as though I have had dealings with both XXXX Bank, and this XXXX XXXX XXXX, as recent as present XXXX, and that is a lie. 
I have had no dealings with XXXX Bank going on two years, and as previously stated, I do not owe those balances. 

But yet, both companies are making sure that the credit bureaus wrongfully destroy my credit rating, by placing those balances that XXXX Bank knows that I do not owe. 

As previously stated, I have just received the attached collection letter from this collection agency XXXX D & A Services , LLC, a collection in the amount of {$710.00}, and I am disputing this debt, because I do not owe it. 

I neither owe this {$710.00} debt to XXXX XXXX Bank, nor do I owe this {$710.00} debt to XXXX XXXX XXXX 
This same debt that XXXX XXXX XXXX never prior verified, prior to slandering my credit, they are now illegally passing this collection account on to this XXXX D & A Services , LLC to unlawfully collect this debt, even though I disputed this debt against XXXX XXXX XXXX after I found out it was on my credit files last year. 

The attached letter from XXXX D & A Services , LLC Is dated XX/XX/2021, and as stated I just recently received it, and although this collection agency has not even verified this debt, they too have begun to harass me. 

I have received calls on my cell phone from this collection agency, and there is a XXXX XXXX from D & A Services that has been making calls to me. 
She has left voicemails stating to call her at this number XXXX XXXX XXXX XXXX ext. XXXX. 

And in my call records it shows that she is also calling from a XXXX XXXX XXXX XXXX leaving voicemails. 

I received a voicemail on XX/XX/2021 at XXXX XXXX  from what sounds like a recorded mechanical voice threatening me with legal action.