Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MIDWEST RECEIVABLE SOLUTIONS LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2024 Midwest Receivable Solutions XXXX XXXX XXXX XXXX Re : Unauthorized Reporting and Compensation for Damages Account Number : XXXX XXXX. Number : XXXX Dear Sir/Madam, I am writing to address the substantial damage caused by your unauthorized reporting of my account to credit bureaus, which has resulted in significant harm to my credit score and financial standing. This letter serves as a formal demand for compensation and resolution. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Your unauthorized reporting of the account to credit bureaus without proper validation constitutes a violation of this provision. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must provide accurate information. Your failure to accurately report and validate the account information has led to significant inaccuracies on my credit report, thereby violating my rights under the FCRA. 

Successful Deletion from Credit Reports As a result of my disputes with XXXX, XXXX, and XXXX, the erroneous entries related to this account have been deleted from my credit reports. This confirms that the information provided by Midwest Receivable Solutions was inaccurate and unsubstantiated. 

Impact on Credit Score and Financial Harm Despite the deletion, the prior presence of these inaccuracies caused significant harm to my credit score and financial standing. The emotional distress and financial harm caused by these inaccuracies are substantial and warrant immediate compensation. 

Demand for Compensation and Resolution 1. Compensation for Damages : I demand compensation for the damage to my credit score and the subsequent financial harm. Calculating the damages based on the impact to my credit score and related financial setbacks, I am seeking compensation in the amount of {$15000.00}. This amount reflects the actual and potential future financial losses, emotional distress, and punitive damages as provided for under federal law. 
2. Written Confirmation : Provide written confirmation of the corrective actions taken and the compensation provided within XXXX business days from the date of this letter. 

Failure to comply with these demands within the specified timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating legal action to seek further damages and attorney fees. 

This letter is sent without prejudice to my rights and remedies, all of which are expressly reserved. 

Sincerely, XXXX XXXX