Consumer complaint received 2024-10-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Attorneys USA LLC (MO)

On XX/XX/year>, I was contacted by email from CA USA attempting to collect on a debt. The debt was originally with XXXX XXXX and then sold to XXXX XXXX XXXX XXXX XXXX. CA USA LLC states they represent XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, I emailed CA USA LLC the Verification of Debt letter that specifies all of the requested information needed as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). On 10/11/2024, I received a response back from CA USA LLC that did not provide the following ; Information about the debt and about the creditor, Information about the Amount and the Age of the Debt ( a complete breakdown and itemized list of transactions that calculated the full disputed amount ), and Information about the Authority to Collect this debt. 

In pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor 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 : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within 30 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. 

A statement that if the consumer notifies the debt collector in writing within the 30 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 A statement that, upon the consumer 's written request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Information About the Amount and the Age of the Debt You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what you claim the money is owed for. 

Explain and show me how you calculated the amount in dispute. 

Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor. 

Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and Provide me with an affidavit that the Statute of Limitations has not expired on this account.

Information About Your Authority to Collect This Debt Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license.