Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (TX)

Subject : Formal Follow-Up on Debt Validation Request and Cease Communication CFPB Case Number : XXXX To Whom It May Concern, This letter is a follow-up to my original complaint filed under CFPB Case Number : XXXX regarding a debt allegedly owed to XXXX XXXX XXXX XXXX, which is now being handled by your office, Receivables Management Partners , LLC. 

Timeline of Events : On XX/XX/XXXX, the date of service for the alleged debt occurred. 
In XX/XX/XXXX, the debt was listed with your office, and a validation notice was sent. However, I did not receive the validation notice, nor was it returned by mail. 
On XX/XX/XXXX, I submitted a formal request for debt validation under the FDCPA 809 ( b ). 
On XX/XX/XXXX, you confirmed receipt of my complaint and noted that my account has been flagged as disputed and placed in cease communication status. You also indicated that validation of the debt has been requested from your client. 
1. Debt Validation and Federal Compliance In accordance with FDCPA 809 ( b ), I have requested validation of the debt. However, as of today 's date, I have not received any of the following required documents : A detailed breakdown of the debt, including how the balance was calculated. 
Proof of assignment, showing that your office is legally authorized to collect this debt on behalf of XXXX XXXX XXXX XXXX. 
Any signed agreements or contracts related to the debt. 
It is crucial that these documents be provided within the 30-day validation period, as required by law. Failure to comply will result in further legal action to protect my rights. 

2. FCRA Violations Credit Reporting During Dispute You stated that the account has been requested to be removed from the major credit bureaus. However, I would like to remind you that, under FCRA 611 ( a ) ( 1 ), any debt under dispute must not remain on my credit report while it is in dispute. I request confirmation that the account has been removed from all credit reporting agencies until the debt has been properly validated. 

If the debt can not be validated, all negative information related to this account must be permanently removed from my credit report. Failure to do so will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will explore all legal remedies available under the FCRA. 

XXXX. Permissible Purpose for Credit Report Access As part of my original request, I asked for the permissible purpose under which my credit report was accessed, as required by the FCRA. Since the debt is currently in dispute and no validation has been provided, I request an explanation of how your agency or any other entity has lawfully accessed my credit report. 

4. Continued Dispute and Your Responsibility as the Debt Collector You indicated that the timeframe for removing the account from the credit reporting agencies is not under your control. However, as the debt collector, Receivables Management Partners , LLC is responsible for ensuring compliance with both the FDCPA and FCRA. Any continued reporting of this disputed debt without validation is a direct violation of federal law. 

I expect that the removal process will be completed promptly, and I expect confirmation once this has occurred. 

5. Conclusion and Next Steps If you are unable to validate this debt, I request that all negative credit reporting associated with this account be permanently removed from all major credit bureaus, and that no further collection efforts be made. Additionally, I expect your agency to comply with its legal responsibilities and take immediate steps to ensure that the dispute is fully resolved. 

Should your agency or your client fail to comply with these requests, I reserve the right to escalate this matter legally and seek appropriate damages under FDCPA 813 for any violations. 

Thank you for your prompt attention to this matter. I expect full compliance within the legally mandated timelines and look forward to receiving the requested documentation within the next 30 days.