Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: MN

Complaint narrative:
I am submitting this formal complaint regarding Systems & Services Technologies , Inc. ( SST ) for their blatant noncompliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), specifically regarding their failure to provide legally required access to account information in a fair and transparent manner. 

On [ date of notice ], I received a debt collection notice from SST concerning an alleged financial obligation. The communication included an online access link ( XXXX ) purportedly allowing me to review my account details. However, upon multiple attempts, the link was non-functional, resulting in a systematic obstruction of my federally protected rights under the FDCPA and FCRA, including but not limited to : 15 U.S.C. 1692g ( b ) The right to dispute the validity of the debt and obtain verification.

15 U.S.C. 1692e ( 10 ) The prohibition against false or misleading representations, as SSTs non-functional access link misrepresents my ability to review, verify, or dispute the debt.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) The requirement for furnishers of information to report accurate and complete information to consumer reporting agencies, which SST has effectively undermined by failing to provide a working method for me to verify or correct inaccuracies.

SSTs Violations & Failure to Comply Upon encountering the broken link, I formally requested a functional access method from SST to review my account details. They have failed to provide an alternative means of access or proper validation of the alleged debt. This constitutes reckless disregard for federal consumer protection laws, violating my ability to : 1. Verify the accuracy of the alleged debt balance.

2. Exercise my statutory right to dispute errors or request validation.

3. Access basic account management functions, including potential payment arrangements.

This failure is a direct violation of 15 U.S.C. 1692f, which prohibits unfair or unconscionable collection practices, as SST is effectively denying me the ability to engage in legally protected debt dispute and resolution processes.

Formal Demands & Next Steps SST is hereby placed on formal notice that I demand immediate corrective action, including : 1. A full cessation of all collection activities until they provide a valid and functional means for me to access and verify my account information.

2. Immediate compliance with 15 U.S.C. 1692g ( b ) by providing proper debt validation, including all documentation establishing their legal right to collect this alleged debt.

3. A thorough audit of any adverse credit reporting related to this matter to ensure compliance with 15 U.S.C. 1681s-2, and immediate removal of any inaccurate, unverifiable, or misleading tradelines.

Failure to take corrective action within 10 business days will result in formal escalation to the following enforcement bodies : The Consumer Financial Protection Bureau ( CFPB ) for deceptive and unfair debt collection practices.

The Federal Trade Commission ( FTC ) for violations of the Fair Debt Collection Practices Act.

My state Attorney Generals Office for willful noncompliance with federal and state consumer protection laws.

Potential civil litigation under FDCPA 813 ( 15 U.S.C. 1692k ), which provides for actual damages, statutory damages up to {$1000.00} per violation, attorneys fees, and costs.

SSTs refusal to ensure compliance with fundamental consumer rights under federal law constitutes a clear and actionable violation. If corrective action is not taken immediately, I will explore all legal avenues available, including but not limited to litigation in state and federal court.

Company response to consumer: Closed with explanation