Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

I called RS Clark and Associates on X/XX/2017 at XXXX. I spoke with XXXX or XXXX at XXXX XXXX. I did n't have a chance to get the correct spelling of her name because she was so busy going off on me. XXXXShe informed me that the has 3 accounts for me, none which I have received validation for. She said that two medical and she did not have validation for those, but I could call XXXX to get validation on those accounts. I am not sure how RS and Clark are collecting on a debt that they can not validate that I owe. XXXXThe 3rd account was with an apartment complex that I lived at over 7 years ago. Its showing I owe almost 5k. I explained to XXXX XXXX, that I have no idea why I would owe that amount. She informed me that she could go over the list of charges with me over the phone, as I am in between homes and I did n't want to miss it in the mail. Plus, I was ready to address why I would owe an apartment complex 5k. I mentioned that I had my pen and paper, so that I could make a list of the item the apartment complex were billing me for. Then I would have a better idea of if I owed them for damages or anything. I left the apartment in the same condition that it was in prior to my move in. I asked XXXX XXXX if the charges she gave me, I knew I did n't incur would I just need to call the apartment complex directly to discuss payment, etc. She rudely responded, " Oh no that is not what you need to do, we have the account and are reporting to your credit '' She kept putting emphasis on them reporting to my credit, as if my world is going to end because they are reporting. I told her, that it reporting was n't the issue, the issue is I do not owe any 5k. I wanted to know if I was supposed to seek legal counsel or what I needed to do to resolve this collection I do not know. XXXXXXXX XXXX informed me that I could settle with her. I responded, why would I settle on a debt I do not owe. She got very upset. I asked her if she would let me know the itemized amounts for the account. She told me NO, I replied I thought you were going to review everything with me, so that I could resolve. She told me no because I was n't going to settle, and that I wanted to tell her about the items I was and was not going to pay. I explained to her, would you pay for something that you did n't owe. She did n't live in the apartment, but I did. She told me that she was NOT going to validate the debt with me and she did n't have to. She told me that RS Clark does n't operate on my terms, I operate on theirs. I was just applauded. The last time that I checked a collection company could n't refuse to validate the debt. The calls are recorded, so please feel free to listen and her XXXX XXXX an RS Clark Associate refuse to validate the debt just because she did n't want to. However, when we started the call she told me she was. XXXXSo RS Clark is negatively reporting 3 accounts that they refuse to or ca n't validate per their agents ' own words. Again, the call was recorded please listen and hear how blatantly XXXX XXXX violated my FCRA Rights, by refusing to validate a debt. Even though 10 minutes prior she told me she would.