Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding the actions of MRS BPO , LLC, which is attempting to collect a debt that I do not owe. This matter appears to be the result of identity theft, and the company has failed to provide any legally sufficient documentation demonstrating that the debt is valid, that they own the debt, or that they have the legal authority to collect it. I received a text message from MRS BPO , LLC attempting to collect an alleged debt around the last week of XXXX 2026. I sent a " STOP '' reply text back, which the company replied backed to honor. Despite this request, the company continued contacting me. Specifically, on XX/XX/year>2026 at approximately XXXX AM, MRS BPO , LLC placed a phone call to me after I had already requested that they stop contacting me. This conduct raises serious concerns regarding violations of federal consumer protection laws. To date, MRS BPO , LLC has not provided any of the following : * Proof that the alleged debt is valid * Proof that the debt belongs to me * A copy of the original signed agreement creating the alleged debt * A complete account history showing how the balance was calculated * Documentation proving that MRS BPO , LLC legally owns the debt or has been assigned the legal right to collect it * A chain of title showing transfer of the debt from the original creditor to MRS BPO , LLC Because the debt is the result of identity theft, their continued attempts to collect without verification are particularly concerning. These actions may violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representations in connection with the collection of a debt 15 U.S.C. 1692f Prohibiting unfair or unconscionable means to collect a debt 15 U.S.C. 1692g Requiring proper validation of a debt when disputed 15 U.S.C. 1692c ( c ) Requiring a debt collector to cease communication when a consumer requests that they stop contacting them If the company continues to pursue collection without providing proper documentation, it may also constitute attempted collection of a debt without legal standing, which raises additional compliance concerns. Requested Resolution I request that the CFPB require MRS BPO , LLC to : 1. Immediately cease all contact with me * * regarding this alleged debt. 2. Provide full written validation of the debt, including : * The name and address of the original creditor * A copy of the original signed agreement * Complete account statements and balance calculations XXXX. Provide documented proof that MRS BPO , LLC legally owns the debt or has been assigned the legal right to collect it, including chain-of-title documentation. 4. Provide documentation verifying that the debt belongs to me, not the result of identity theft. 5. Confirm in writing that the account will be closed and that my information will not be reported or will be removed from any consumer reporting agencies if they can not provide proper validation. 6. Provide confirmation that my phone number and personal information will be removed from their contact systems. Additionally, I request that the CFPB * * investigate the collection practices of MRS BPO , LLC * * to determine whether the company is engaging in systemic violations of federal consumer protection laws by attempting to collect unverified or fraudulent debts. I am requesting that this matter be formally reviewed and that appropriate enforcement actions be taken if violations are confirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief