Consumer complaint received 2024-07-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation (LA)

CFPB Complaint Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/year> Dear CFPB, I am writing to file a complaint against Tele Recovery Louisiana and for violating the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Louisiana state Statute laws Account Information : Tele Recovery Services XXXX XXXX XXXX XXXX, La. XXXX XXXX Violations : Failure to Provide Validation : Tele Recovery Louisiana has failed to provide me with validation information as required by 12 CFR 1006.34B5. This information is essential for me to verify the debt and dispute any inaccuracies. 
Reporting to Credit Bureaus Without Validation : Despite failing to provide validation, Tele Recovery Louisiana has reported the debt to consumer reporting agencies, violating 12 CFR 1006.34C4 ( i ). This has negatively impacted my credit score without giving me an opportunity to dispute the account.

Violation of Consumer Rights : Tele Recovery Services has engaged in misleading, misrepresentative, and deceptive practices by attempting to collect a debt without providing the required disclosures and by reporting inaccurate information to credit bureaus. These actions violate my consumer rights under the FDCPA and the FCRA.

Unauthorized Reporting : Tele Recovery Services has no authority to furnish information to consumer reporting agencies without complying with the disclosure requirements of 12 CFR 1634D and 15 USC 1681S2 ( 7 ) ( A ).

Violation of Louisiana State Law : Tele Recovery Services actions also violate Louisiana State Statute R.S. 51:1401.

Requested Actions : I request that the CFPB investigate these violations and take appropriate action against Tele Recovery Services. I am seeking the following relief : Removal of the disputed debt from my credit report. 
Cessation of all communication from Tele Recovery Services.

Monetary damages for the harm caused.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Dispute Letter to Tele Recovery Services XX/XX/year> Tele Recovery Louisiana XXXX XXXX XXXX. 
XXXX, La. XXXX Dear Tele Recovery Services I am writing to dispute the debt you claim I owe. I dispute the validity and accuracy of this debt in its entirety.

I request the following : Validation of the debt, including the original creditor, amount owed, and proof of the debt.

A copy of the original purchase agreement.

Proof that you are licensed and bonded to collect debts in the state of Louisiana.

Cessation of all communication with me, including phone calls, text messages, and emails.

I assert my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute this debt and request that you cease all collection activity until you can provide the requested information. And you have 15 days to respond not 30 days or your silence is acquiescence Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, La. XXXX