Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torres Credit Services, Inc. (PA)

Dear [ Credit Bureau ], I am writing to dispute the debt you claim I owe to your agency. I do not acknowledge any debt to your company and hereby request that you provide me with the following information : Account : TORRES CREDIT SERVICES XXXX Date Opened XX/XX/2021 {$1000.00} Original Creditor XXXX XXXX XXXX XXXX. A copy of the purchase agreement between your agency and the original creditor. 

2. Validation of the debt, including details of the original creditor, the amount owed, and any relevant account information.

3. Proof that your agency is licensed and bonded to collect debts in [ State Name ]. 

Furthermore, I am revoking any permission for your agency to communicate with me via email, text, or phone calls. 

All future correspondence should be in writing and sent to the address listed above. 

Please provide the requested information within 30 days of receiving this letter. Failure to do so will result in further action to protect my rights under the Fair Debt Collection Practices Act. 

I am also writing to you about my credit report, which I recently obtained from your company pursuant to 15 US Code 1681g. I have discovered inaccurate information in the report and would like to dispute the information with your firm. 

After reviewing the credit report, I found that certain information was either incorrect or outdated. Specifically, I noticed that [ insert specific inaccurate information, such as a payment history in error, a fraudulent account listed, etc. ]. This incorrect information is causing serious harm to my credit score and is not a true reflection of my credit history.

I request that you promptly investigate this matter and initiate any necessary corrections or deletions. As per my legal rights, please provide proof of the accuracy of the information you have listed. If you can not verify the accuracy of the information listed, I request that you delete it from my credit report. 

Please update me on the status of any investigation or actions taken at the earliest possible opportunity. 
I appreciate your prompt attention to this important matter. 



15 USC 1692c CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, I am also contacting you to express my concern over the information contained in my credit report, specifically Given my right to privacy, I would like to request evidence that the information in question was obtained with my permission, as required by 15 USC 6802. Can you please provide me with documentation showing that the creditor had obtained my consent to include this information in my report? 

Furthermore, I respectfully request information about the reasonable procedures and methods used to verify the accuracy of the information included in my report. Who did you speak with and when did those discussions occur? Can you also provide the contact information for any individuals or entities you spoke with during this process?

What information did you use to make modifications to my consumer report I never gave any creditors any permission to report my info to credit agencies How can you verify something that not supposed to be there in the first place 15 USC 1602 is a section of the United States Code that falls under the Truth in Lending Act. It addresses the requirement for a consumer 's permission to allow a creditor to report information regarding their creditworthiness to credit reporting agencies. Under the XXXX, creditors are required to obtain a consumer 's permission before reporting this information and must also provide them with notice of their rights under the law. This helps to ensure that consumers are aware of how their credit information is being used and gives them some control over the process. 



XXXX5 U.S. Code 1681g is part of the Fair Credit Reporting Act ( FCRA ). This provision sets forth the requirements for disclosure of information to consumers who may request access to their credit file. Specifically, it requires that credit reporting agencies provide consumers with a copy of their credit report upon request, as well as information about parties who have accessed their credit report over the previous two years. Additionally, the FCRA requires that consumer credit reporting agencies allow consumers to correct any inaccurate or incomplete information in their credit reports. 


The furnisher is being paid to report this information, I am not receiving any compensation for this transaction. Unfortunately, this information is having a negative impact on my credit report and overall financial profile. 

I request that you provide me with evidence that permits the furnisher to report this account information, as required by law. Can you please provide me with documentation of my explicit consent or physical signature acknowledging that I granted permission for this information to appear in my credit report? 


Additionally, I request information on the reasonable procedures and methods used to verify the accuracy of the information included in my report. Can you please provide specific details, such as the names of any entities or individuals contacted during this verification process and their contact information? 

This is fraud because the company is paying the consumer reporting agency to report this information. 


I sincerely hope we can resolve this matter to my satisfaction. Thank you for your prompt assistance with this request. 



Sincerely [ XXXX XXXX XXXX ]