Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

While checking my credit report on XX/XX/year>. I discovered a derogatory reporting on my XXXX XXXX XXXX report from CAPIO PARTNERS LLC. A THIRD-PARTY DEBT COLLECTOR FROM XXXX XXXX XXXXXXXX XXXX alleging a debt has been in Charge Off status from XXXX XXXX, for an outstanding balance of {$5300.00}. However, neither company has ever sent any correspondence in regard to this alleged debt. I have never received any billing statements or validation of this debt EVER. 

I do not have any information in regard to when, where or how this alleged debt originated. This can not be so ; this is a direct violation of Title 15 USC 1681 and 1692 ( g ). As well as a violation of Fair Debt Collection Practices. Furthermore, this debt holds no validity because CAPIO PARTNERS LLC is a debt buyer company and has no legitimacy in its claim. Since discovering this unlawful derogatory reporting on my report, I have made several attempts to contact the company in writing ( XXXX XXXX ) and by phone ( XX/XX/year>, XX/XX/year> and XX/XX/year>. They have not responded within the allotted time of 30 days specified in my dispute affidavit, and the customer service reps at the number provided for CAPIO PARTNERS LLC ( XXXX ) XXXX continuously hang up in my face and when I call back they do not answer. 

I Have also made several attempts to contact the bureaus in writing requesting this alleged debt be verified and disputing this unknown debt, they too have failed to respond. Both CAPIO PARTNERS LLC XXXX XXXX XXXX XXXX XXXX companies have violated the following Fair Debt Collection Practice Laws : 15 USC 1692 ( g ) 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.