Consumer complaint received 02/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have called the company several times in an attempt to speak with someone. I am always transferred over to the same representative. I had to request an itemized summary of the charges multiple times before she complied. After receiving a copy of the itemized charges I called back to speak with someone about the discrepancies. I explained to her that the charges does not comply with state rental and housing laws for the state of TX and she began yelling at me and pulled my credit report without my authorization and said " you just do n't like paying your bills ; you do n't pay ( creditor ) or ( another creditor ) ''. I then asked her if she pulled my credit report without my consent and she laughed at me and hung up. I called back and asked the first agent that answered if I could speak with a supervisor only to be transferred back to the insulting agent. 

This company is charging me for, both, a reletting fee and acceleration of rent ; which is illegal by law. Housing laws prevent collecting payment of rent twice in the same month ; charging me an acceleration of rent AND reletting fees does just that. I am being billed {$850.00} for reletting fees to cover the loss the property incurs while the unit is unoccupied however, I have also been billed {$8600.00} for accelerated rent for the time period XXXX XXXX ( the day I was evicted through XXXX XXXX ( what would have been the last day of my contract ) .I have expressed to the agency that I know, by law, the property has to mitigate damages and can not charge me for the rent of an unit someone else was occupying and paying rent for. I have asked for them to tell me when the next occupant moved into the unit and have yet to receive the information. I have only been met with insults, placed on hold for extended and unreasonable periods of time, yelled at, treated as though I was subhuman, and completely neglected. Being unable to resolve this matter, despite the many calls I have placed to this company, has negatively impacted my life and finances. I have had to pay more for deposits at other complexes, my credit score has this blemish, I have been turned away from a local program that would aid me in obtaining a grant for the purchase of a home, and had to pay higher interest rates. For all of the previously listed reasons I have moved towards filing a lawsuit against this company for 1. ) Pulling my credit report without permission which is a violation of the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) 2. ) Failing to validate the debt yet continuing to purse the collection of the debt which is a violation of the FCRA 809 ( b ) 3. ) Failing to validate my debt and continuing to report it to the credit bureaus which is also a violation of the FCRA under the same 809 ( b ) clause and 4. ) The abusive language used when I called a violation that I am protected against under the FDCPA Section 806.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation