Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: NY

Complaint narrative:
MRS BPO contacted me by text message regarding an alleged XXXX telecommunications debt in the amount of approximately {$530.00}. However, MRS BPO also sent a debt collection text message to my sisters phone number. My sister is not responsible for this alleged account, is not a co-signer, is not an authorized user, is not an account holder, and has no legal connection to this debt. The message sent to my sister identified MRS BPO as a collection agency and stated that my XXXX account was recently placed with us for collection. This disclosed or clearly implied private debt collection information about me to a third party. I did not give MRS BPO, XXXX, or any vendor permission to contact my sister or any family member about this alleged debt. I believe this was an improper third-party communication and a debt collection tactic that caused embarrassment, stress, and concern. A debt collector contacting a third party for location information is not supposed to disclose that the consumer owes a debt or communicate with third parties in connection with collecting the debt unless a legal exception applies. I also dispute this alleged debt and request full written validation. I want MRS BPO to explain why my sisters phone number was contacted, how they obtained her number, whether any other third parties were contacted, and to preserve all SMS logs, call logs, account notes, skip-tracing records, vendor records, and copies of all messages sent regarding this alleged account. To MRS BPO Compliance Department, I am submitting this formal written dispute, debt validation demand, and complaint regarding XXXX XXXX collection activity on an alleged XXXX account in the amount of approximately {$530.00}. I dispute this alleged debt in its entirety. This letter constitutes a written dispute and request for validation under 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1006.38. If this dispute is within the validation period, MRS BPO must cease collection activity until it provides verification of the debt as required by law. The CFPB explains that when a consumer disputes a debt in writing within 30 days, the collector must stop collection until verification is sent. In addition, MRS BPO sent a debt collection text message to my sisters phone number. My sister has no legal responsibility for this alleged account. She is not a co-signer, guarantor, authorized user, account holder, or liable party. The message sent to my sister identified MRS BPO as a collection agency and stated that my XXXX account was placed with us for collection. This disclosed or clearly implied debt collection information about me to a third party. I did not authorize MRS BPO, XXXX, or any vendor acting on their behalf to contact my sister or any family member regarding this alleged debt. This appears to be an improper third-party communication and an attempt to embarrass, pressure, or intimidate me through someone who has nothing to do with this account. Your conduct appears to violate, or at minimum raises serious concerns under, the following laws : 15 U.S.C. 1692b : A debt collector contacting a third party for location information may not state that the consumer owes any debt. 15 U.S.C. 1692b ( 3 ) : A debt collector generally may not communicate with a third party more than once unless legally permitted. 15 U.S.C. 1692c ( b ) : A debt collector generally may not communicate with third parties in connection with the collection of a debt without the consumers direct consent or another legal exception. 12 C.F.R. 1006.6 ( d ) : Regulation F restricts third-party communications in connection with debt collection. 15 U.S.C. 1692g ( b ) : Upon a timely written dispute, collection must cease until verification is provided. 15 U.S.C. 1692d : Debt collectors may not engage in conduct whose natural consequence is to harass, oppress, or abuse. 15 U.S.C. 1692e : Debt collectors may not use false, deceptive, or misleading representations. 15 U.S.C. 1692f : Debt collectors may not use unfair or unconscionable means to collect a debt. 15 U.S.C. 1692k : I reserve all rights to seek actual damages, statutory damages, costs, and attorneys fees for any violations. I demand that MRS BPO immediately : Stop contacting my sister and any other family member, relative, neighbor, employer, coworker, or third party regarding this alleged debt. Remove my sisters phone number and all third-party phone numbers from this account. Confirm in writing that no further third-party contact will occur. Provide complete written validation of the alleged debt, including : the name of the original creditor and current creditor ; the full account number or identifying information ; a complete itemized breakdown of the amount claimed ; the date the alleged debt was incurred ; the date the alleged account was placed with MRS BPO ; proof that MRS BPO has legal authority to collect this account ; copies of any contract, agreement, billing statement, or document supporting the alleged balance. Provide the name and address of the original creditor. Preserve all records related to this matter, including : SMS logs ; call logs ; dialer records ; account notes ; skip-tracing records ; vendor records ; records showing how my sisters phone number was obtained ; records identifying any third parties contacted ; copies of every message sent regarding this alleged account. Confirm whether MRS BPO, XXXX, or any third-party vendor contacted anyone other than me regarding this alleged debt, and whether any message disclosed, implied, or suggested that this matter involved a debt, XXXX account XXXX collection account, or alleged balance. This letter is not an admission of liability and is not a refusal to pay. I dispute this alleged debt and request validation. I also demand that all improper third-party contact stop immediately. If this matter is not corrected immediately, I am prepared to file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, the New York State Attorney General, and any other appropriate regulatory agency. I am also preserving my right to consult with a consumer protection attorney regarding potential FDCPA and Regulation F violations. All future communication must be in writing only. Sincerely, XXXX XXXX

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