Consumer complaint received 05-03-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: SECOND WRITTEN REQUEST asking you to remove the unverified Collection listed that remain on my credit report in violation of  15 U.S.C. 1681. You are required under the FCRA to have properly verified  the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  XXXX  as,  1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate.  '' 2 ) T o confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and  Verification  as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st h and knowledge of the alleged account  ( s ) and all that has ever transpired for the alleged account ( s ),   under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that,  Consum  er Reporting Agencies  bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4  ).     You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section  611 ( 5  ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.     The law is very clear as to th e Civil liabil ity and the remedy available to me for negligent noncomplianc e ( Section 617 )  if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I dema nd the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation