Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc. (MS)

XX/XX/XXXX handwritten moveout notice provided and emailed confirming move out intentions in XX/XX/XXXX ; a reminder of moveout provided on XX/XX/XXXX and XX/XX/XXXX ; Notified regarding damages to my personal property and damage to their property as a result of a flood XX/XX/XXXX approximately ; Health and Safety Code violation preventing living in an apartment as a result of contamination in ventilation systems affecting breathing notified. XXXX XXXX so-called repairs included placement of an odor eliminator in the vent that further mixed chemicals impacting my respiratory system. Moved out XX/XX/XXXX and found out on XX/XX/XXXX of a rental collection for {$2800.00} entered on a credit ( s ) report by RS Clarks and Associates. I disputed the information through Credit reporting agencies ( XXXX, XXXXXXXX XXXX, XXXX, XXXX and requested validation of the debt and documents utilized regarding the investigation that was not supplied. No proof of a XXXX XXXX XXXX investigation documents was provided. XX/XX/XXXX RS Clark and Associates submitted a bill outlining fraudulent alleged charges. 

FINAL MOVEOUT PAYMENT PROVIDED VIA MONEY ORDER FOR ALL FEES DATED UP UNTIL XX/XX/XXXX UPON MOVEOUT. ALL KEYS AND GATE CARDS WERE TURNED IN PRIOR TO THIS DATE. The letter that RS Clark and Associates supplied on XXXX has false content. The bill they have outlined states that there are late fees from XXXX to XXXX, on XX/XX/XXXX an email was provided time stamping my moveout intentions as well as the handwritten note reminding them in XXXX XXXX for the termination of a month to month lease. The damaged gate card provided by XXXX XXXX in XX/XX/XXXX had a hole in it upon receipt ; the unit was flooded and the carpet was damaged and slit by XXXX XXXX contractors ; my personal property was also damaged by them. 

RS Clark and Associate personnel XXXX and person by the name of XXXX XXXX listed on credit file as of XX/XX/XXXX. 

In a dispute dated XXXX RS Clark and Associates stated that " ( 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX - internal records or statements from the original creditor on file confirming the debt is valid, such records could provide proper verification. ( 2 ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - the collector can rely on the creditor 's representations regarding the validity of the debt and must demonstrate the amount sought to be collected matches what the creditor claims is owed '' However, further review of the information they supplied in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX does not specify or entail the information regarding the sufficiency of " internal records or statements ''. RS Clark and Associates misapply the context of this information. The baseless claim and invalidated information do not specify my owing of this debt. In the XXXX complaint and review of my credit file, RS Clark and Associates continue to harass, intimidate, and threaten me through my credit in an attempt to bully me to pay for debt not owed. This company has yet supplied the granted judgment stating I owe this debt after providing factual evidence that these are fabricated costs by XXXX XXXX management and RS Clark and Associates.