Consumer complaint received 2024-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (CA)

I received your letter and I would like to first state that this response is not a refusal to pay, but notice that your claim is without merit, lacks any jurisdiction and thereby disputed. 
First off, you are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
I am disputing your claim based on the fact that I have no knowledge whatsoever of any account or transaction between myself and any business called DEBT RECOVERY SOLUTION INC Nor is the account number you claim I have with you familiar in the least. You provided me with no information as to the nature of this account, any documentation that any such account exists ( outside of your letter claiming such, which does not suffice ). 
Next, I do not have any recollection of any valid contract involving me and the account to which you are alleging/referring too and believe none exists. 
Thirdly, I was the victim of identity theft & believe the account you may be referring to was opened fraudulently Unless you can provide some sort of verification that a valid contract exists between myself and DEBT RECOVERY SOLUTION INC, I do hereby request and demand that you refrain from sending me frivolous and unwanted correspondence which falsely claim to bind me legally or financially to an entity utterly unknown to me. If you persist in this claim, then I am legally entitled to demand that you validate your claim per UCC 3-501 ( b ), in order verify the existence of an account in my name which obligates me to you contractually and financially.

You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act 15 U.S.C. 1681s2 ( a ), 15 U.S.C. 1692c, and the Dodd-Frank Act. Do not contact me again until these points have been addressed. If you contact me again without providing the documents I am specifically demanding, I will be seeking legal remedy for monetary compensation for violating the FCRA & FDCPA. Please be do not send me anything other than the documents I am specifically requesting below, verifying that the alleged account belongs to me ( as defined in 15 U.S.C. 1692g ).

A Notarized copy of the ORIGINAL SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your firm now claims is owed. Not providing this information will be your tacit agreement you have NO VALID contract with me & none exists.

Provide written verification in the form of a signed, sworn and Notarized Affidavit of Truth from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action.

Provide details of the total account and general ledger statement showing the full and complete accounting of the alleged obligation under ( UCC 9-210 ) you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to same under penalty of perjury to that effect. 

Provide Certified and Notarized copies of documents showing that you are or represent a bona-fide creditor in a collection process. 

Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.

Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.

Provide proof that your Notice of Debt Collection, is authorized by such Statutes and enforcing Regulations. 

Provide proof of all relevant signatures and your status as Holders in Due Course of this alleged claim.

According to UCC 9-406 ( c ), if you are acting as an Agent, provide certified copies of the assignment upon which you are collecting, showing the name ( s ) of any and all debtors and the respective bona-fide creditor ( s ) as the secured party ( s ) Provide verifiable proof that any actual money/valid consideration was ever exchanged or loaned to me by the named creditor ( s ) whom you claim to represent, and not mere bookkeeping entries that were made by them in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on their part, as well as, now, yours. I do believe fraud is subject to triple damages Provide verifiable proof of all accounting based on General Accepted Accounting Principles ( GAAP ), also please provide all insurance policies listed under the alleged obligation, including, but not limited to, any credit default swaps, endorsed promissory, fiduciary guarantees in place of default, etc.I need a complete transparency of the activity listed on the alleged obligation. DEBT RECOVERY SOLUTI XXXX