Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I am filing this formal complaint against EASTERN account system inc, with the CFPB due to their attempts to collect a debt whose validity has not been verified, despite my repeated requests for documentation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA grants consumers the right to request validation and verification of any claimed debt and requires the creditor to provide adequate documentation proving the legitimacy of said debt.

In response to the collection notice received on XX/XX/year>, I formally contacted Eastern to request full validation of this debt under the FDCPA. In my letter, tracked with reference number XXXX, I detailed the required documentation, including a copy of the original agreement, the name and address of the current creditor, a breakdown of charges and interest, and confirmation that the debt falls within the statute of limitations. However, to date, Eastern has responded only with a copy of a bill in my name, which does not meet the legal standards for debt validation. This incomplete response does not allow me to assess the validity of the debt nor confirm that the amount claimed is accurate and attributable to me.

Requests for Intervention : Immediate Block on Credit Bureau Reporting : Since Eastern has failed to fulfill its obligation to provide complete debt validation as required by the FDCPA, I request that the CFPB intervene to block any attempt by Eastern to report this debt to credit bureaus. Until Eastern meets the validation requirements set forth by the FDCPA, they should not be permitted to take any action that could impact my credit history.

Suspension of All Collection Actions Until Debt Validation : Under the FDCPA, Eastern is required to cease all collection actions until the debt is properly validated. I ask that the CFPB take steps to ensure that Eastern halts all collection efforts and any further contact with me or third parties until complete documentation is provided.

Strict Compliance with the Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that any information reported to credit bureaus be accurate and verifiable. Since Eastern has not provided the requested debt verification, this debt does not meet the FCRAs requirements for accuracy and verifiability. I therefore request that the CFPB take action to prevent Eastern from reporting this debt until its legitimacy is fully established.

Application of Sanctions as Provided by Law : Due to Easterns failure to provide the necessary information within the legally required timeframe and in accordance with FDCPA requirements, I ask that the CFPB consider all available sanctions and corrective measures to ensure that Eastern meets its obligations for transparency and accuracy in debt management. 
Sincerely XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation