Consumer complaint received 2024-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, KS XXXX RE : Complaint Regarding Debt Collection Practices of Synerprise Consulting, Account # XXXX Dear CFPB, I am writing to file a complaint against Synerprise Consulting regarding their debt collection practices for account number # XXXX. 
Dispute of Debt and Debt Validation Request I am disputing this debt in its entirety. I request that Synerprise Consulting validate the debt according to the Fair Debt Collection Practices Act ( FDCPA ). This validation should include the original creditor, the amount of the debt, and the date the debt was incurred.

Revocation of Communication Channels I am revoking my consent for Synerprise Consulting to communicate with me via email, text message, or phone calls. All future communication must be done in writing and sent to the address listed above. 
Request for Purchase Order and Licensure Proof I request a copy of the purchase order between the original creditor and Synerprise Consulting proving they have the legal right to collect this debt. Additionally, I request proof that Synerprise Consulting is licensed and bonded as a debt collector in the state of Texas.

Failure to Provide Validation Information Synerprise Consulting has failed to provide debt validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this lack of validation, they placed the collection on my credit report.

Lack of Opportunity to Dispute I have not been given a fair chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Allegations of FDCPA Violations Synerprise Consulting 's collection practices appear to violate the FDCPA in the following ways : Using false, deceptive, or misleading representation : They have not provided validation details, potentially misleading me about the debt 's legitimacy. 
Using extortionate means : Their collection methods might be harassing or threatening. 
Using unfair or unconscionable means : They may be attempting to collect an invalid debt. 
Request for Debt Removal from Credit Report According to CFPB regulations as of XX/XX/XXXX, any debt that is already paid or under {$500.00} should not be included on a consumer credit report. Therefore, I request the removal of this account from my credit report. 
Failure to Disclose Required Information Synerprise Consulting has not provided any of the disclosures required by law before furnishing the account to a credit reporting agency. This is a violation of 12 CFR 1006.3 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ).

Request for Investigation I request that the CFPB investigate these allegations and take appropriate action against Synerprise Consulting for their unfair and potentially illegal debt collection practices. 
Thank you for your time and attention to this matter. I look forward to your response and the resolution of this complaint. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX