Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC (NV)

On XX/XX/XXXX I sent XXXX XXXX XXXX a debt validation letter on behalf of XXXX XXXX XXXX XXXX XXXX, via Registered Mail ( receipt no : RF XXXX XXXX XXXX US ) that was received by XXXX XXXX XXXX  on XX/XX/XXXX. ( See Exhibit A ) In the debt validation letter I requested that XXXX XXXX XXXX validate that an alleged debt with their company exists. ( See Exhibit B ) On XX/XX/XXXX, XXXX XXXX XXXX responded with a letter stating that they received the debt validation letter that I sent XX/XX/XXXX regarding an account ending in XXXX. ( See Exhibit C ) By their response, they have failed to comply with the debt validation letter that I sent on XX/XX/XXXX. 

Because XXXX  XXXX XXXX  failed to comply to the original debt validation letter that I sent on XX/XX/XXXX, I responded with a formal notice to the attention of XXXX XXXX XXXX XXXX CHIEF FINANCIAL OFFICER on XX/XX/XXXX via Certified Mail ( receipt no. XXXX XXXX XXXX XXXX XXXX ) giving them 15 days to cure. ( See Exhibits D1 and D2 ) The formal notice was enclosed with a collections document from a different entity named ASSET RECOVERY SOLUTIONS , LLC claiming that I owe them for this same alleged account. I contacted ASSET RECOVERY SOLUTIONS , LLC asking them to validate this alleged account and to provide a copy of their IRS Form 2848 from XXXX  XXXX XXXX  stating they have the right to collect on this alleged debt, however, I never received any response. The ASSET RECOVERY SOLUTIONS , LLC debt collections document is proof that XXXX  XXXX XXXX  is in violation of the Fair Credit Reporting Act, 15 USC subsection 1681 et seq. ( See Exhibit E ) Additionally, the formal notice included a copy of the original response letter that XXXX XXXX XXXX  responded with and a copy of the original debt validation letter to give XXXX XXXX XXXX  an opportunity to cure. ( See Exhibit F and Exhibits G-1 to G-5 ) More than 15 days later, on XX/XX/XXXX I received a response from XXXX  XXXX XXXX  Customer Support Team in regards to an alleged account ending in XXXX stating that they received information regarding a dispute to this alleged account. ( See Exhibits H-1 to H3 ) Because the formal notice I sent was to the Attention of the CHIEF FINANCIAL OFFICER of XXXX XXXX XXXX and received a response from their Customer Support Team, this lead me to believe that their CHIEF FINANCIAL OFFICER is avoiding his duty and that I could not receive a remedy. 

Furthermore, 4 days later on XX/XX/XXXX, I received another response letter from the XXXX XXXX Team of XXXX  XXXX XXXX  sent via U.S. Postal Mail. Their response letter is dated XX/XX/XXXX and states that XXXX  XXXX XXXX  is the original creditor and the enclosed information provided is validation of debt. 
( See Exhibits J-1 to J-7 ) However, the enclosed documents they sent are itemized statements along with what seems to be the FICO scores of XXXX XXXX XXXX XXXX XXXX, which I did not give them permission to obtain. This is a violation of privacy pursuant to the Privacy Act of 1974 ; 5 USC subsection 552a. 

In addition to this, none of the enclosed information that XXXX  XXXX XXXX sent in their second XX/XX/XXXX response contains any form of contract bearing my signature. According to the FTC Opinion Letter by attorney XXXX XXXX XXXX an itemized billing statement does not constitute validation of a debt. 

Additionally, on XX/XX/XXXX, XXXX XXXX XXXX sent another response letter in which they still failed to comply to the original debt validation letter and the formal notice letter sent to the attention of the CHIEF FINANCIAL OFFICER of XXXX XXXX XXXX  which gave them an opportunity to cure. ( See Exhibit K ) Their letter states that they have completed their investigation and determined the alleged account to be valid. However, they provided no form of contract bearing my signature. Instead, XXXX  XXXX XXXX  list several other reasons, none of which they have provided any documented proof of.