Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc. (FL)

On today, I redirected by FTC to contact CFPB again concerning this matter. 

Originally, I mailed a certified letter and still awaiting verification of the debt. I requested the following items and still did not receive them yet the inaccurate account information still resides on my credit reports today. The law states that since they are in violation and did not provide the requested items before to verify the debt before placing on my credit report, I am entitled to contact a Fair Debt attorney. Since the debt collection agency has violated the Fair Debt Collection Practices Act, I am now entitled to actual damages, attorney fees, and up to {$1000.00} I requested the following items as verification of debt and never received them. 
1. Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect.

2. Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor.

3. Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes.

4. Amount you paid for said debt 5. Date of last activity/payment 6. *Provide copy of HIPAA authorization furnished by the original creditor The law states that before Amerassist AR/Solutions Inc. placed this inaccurate information on my credit report, I was to be provided with the following ; ( They failed to provide and is in violation of several laws including the ones below ) Fair Debt Collection Practices Act ( FDCPA ), within five days of initially contacting you ( they never contacted me before placing the information on my credit reports ), a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within 30 days after receiving the notice, the debt collector will assume that the debt is valid Also, The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection which requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). ( They have failed to provide the following ; Debt collector communication disclosure ; Account number of from original creditor Itemized current amount of the debt Amount of the debt on the itemization date Itemization-related information such as a printout of all debits and credit and a showing balance Information about consumer protections Consumer-response information Consumer dispute prompts Since Amerassist AR/Solutions Inc. is currently in violation, the law states that I am entitled to actual damages, attorney fees, and up to {$1000.00} Sincerely, XXXX XXXX