Consumer complaint received 2016-02-04
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Debt Recovery Solutions LLC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Re : Account Number XXXX To Whom It May Concern I am sending this letter to you in response to notice I received from you on XXXX XXXX, XXXX. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 169g2 Sec. 809 ( b ) that your claim is disputed and Validation is requested. 

This is NOT a request for " Validation '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agree to pay what you say I owe ; Provide a validation or copy of any judgment if applicable ; Identify the original creditor Prove the statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your office have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, If any negative mark is found on any of my credit reports by you company or the company that represent I will not hesitate bringing legal action against you for the following : Violation of the Fair Credit reporting Act Violation of Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 day to investigate this information and during such time all collection activity must cease and desist. 
XXXX of XXXX Also during this are validation period, if any action is taken which could be considered detrimental to any my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated verifying and account as account as when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request 30 days from the date of your receipt, all references to this account must deleted and completely removed from my credit file and a copy of such deletion request shall be sent to immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or my place of employment. If your offices attempt telephone communication with my, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit, All future communication with me MUST be done in writing and send to the address noted in this letter. 

CC : XXXX XXXX XXXX, Federal Trade Commission, Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Attorney General of California, XXXX XXXX XXXX Department of Consumer Affairs XXXX Sincerely XXXX XXXX XXXX XXXX of XXXX