Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (PA)

CREDIT CORP SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal Dispute of Alleged Debt and Notice of Violations Dear Sir/Madam, I am writing to formally dispute the actions taken by your agency, CREDIT CORP SOLUTIONS , which I believe are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the regulations set forth under 12 C.F.R. 1006.34. 
Failure to Provide Required Notice : First, I contend that CREDIT CORP SOLUTIONS has failed to provide me with the requisite written notice within five days after the initial communication regarding the alleged debt, as mandated by 15 U.S.C. 1692g ( a ). This notice should include the amount of the debt, the name of the original creditor, and a statement of my rights to dispute the debt within 30 days. The lack of such notice has deprived me of the opportunity to assess or dispute the validity of the alleged debt. Should your agency believe that proper notification was indeed provided, I hereby request a copy of the certified receipt, bearing my signature, as evidence. 
Improper Reporting of Credit Information : Moreover, I have observed that CREDIT CORP SOLUTIONS has updated the " last date of activity '' on my credit report to XX/XX/year>. Given that I have never made a payment to your agency, this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This inaccurate reporting adversely affects my creditworthiness and is a clear breach of legal standards.

Failure to Provide Validation Information : Additionally, your agency has failed to provide validation information required under 12 C.F.R. 1006.34 ( b ) ( 5 ), yet has placed a collection entry on my consumer report. This action occurred without affording me the opportunity to dispute the debt in accordance with 12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ). As a result, I am left with unverified and potentially inaccurate information on my credit report. 
Non-Compliance with Disclosure Requirements : Furthermore, I must bring to your attention that CREDIT CORP SOLUTIONS has furnished information to consumer reporting agencies without providing the disclosures required by 12 C.F.R. 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ). The failure to disclose these details is a serious violation of my rights as a consumer.

Given the above issues, I respectfully request that your agency provide me with a detailed account of the alleged debt, including : The name of the original creditor.

The amount owed.

The date on which the debt was incurred.

Additionally, I demand the following documents : The assignment of debt.

The method of validation used.

The purchase agreement between CREDIT CORP SOLUTIONS and the original creditor. 
Until I receive this validation, I consider the debt unverified and demand that all collection efforts cease, as required by the FDCPA, 15 U.S.C. 1692g ( b ).

Finally, I hereby revoke any and all rights to communicate with me via email, text messages, or phone calls. All future correspondence must be conducted through written letters sent to the address listed above. 
Please be advised that I will not hesitate to take further legal action if these violations are not rectified promptly. 
Thank you for your immediate attention to this matter.