Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

Regarding : Account XXXX XXXX Im writing you in regard to an account on my credit report ( s ) you claim I owe. Since Im unaware of this debt and its origin, Id like to formally request validation of this alleged debt. To be clear, I am unaware of this debt and according to the FDCPA, Im disputing this debt and need complete, irrefutable evidence this account is legitimately mine and this claim is legally yours, you are legally allowed to collect on it, as well as report it to the credit reporting agencies. Please respond to me with the following information : A copy of the application for credit on the account that you allegedly claim that I owe. A copy of the contract and any amendments that may have been made thereto as this will show what the terms of the contract are so I can see exactly what you are pursuing and the amount you are trying to collect. Proof the amount you are claiming is correct and legal, which will require all statements and payment history. Proof this account is within the Statute of Limitations and has not expired. Proof you are the owner of this account, which will require the FULL AND COMPLETE purchase agreement between you and the original furnisher so that I have evidence you that you have the proper legal capacity and authority to collect this alleged debt that you claim I owe. As far as everyone is concerned, I have never engaged in business with you. Proof you are legally licensed ( bonded and insured if applicable ) to collect this debt in my state ( TEXAS ). For verification purposes, I will need your business license number ( s ). I am sure you are aware if you are unable to provide these few basic facts, you are in violation of the FCRA and FDCPA, as well as potential state and local laws. That being said, if you can not provide this basic information, and continue to report this unverified, non-validated debt, I will pursue this legally for violating the Fair Credit Reporting Act. Until this debt is validated, I request the above account be removed from all credit reporting agencies, since it is unverified and has not been validated. Please remove all references regarding this debt from all reporting agencies until you can provide irrefutable evidence this debt is legitimate and you are legally allowed to collect on it as the owner of this debt. If you are unable to provide the proof I requested within 30 days of receipt of this notice, please remove this account from all reporting agencies, which is mandated under federal law. I am ready to prosecute you if otherwise. Until the above request for irrefutable evidence about this account is sent to me, please cease and desist all further future attempts to collect on this debt. This includes no phone calls to my home phone number, no calls to my place of work, and no calls to my mobile phone. Please understand, all future phone calls made by or from your company, whether answered or unanswered, will be tracked and recorded. I will also use this information to help prosecute you and your company to the fullest extent of the law.