Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery Management Solutions LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Recovery Management Solutions LLC XXXX XXXX XXXX. 

XXXX, NY XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Account nameXXXX XXXX XXXX XXXX Account XXXX To whom this may concern, Ive received a copy of my credit report and you are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a XXXX party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports. Heres the law in case you never read it before. 
a. ) You are in receipt of this NOTICE sent pursuant to the Fair Debt Collections Practices Act regarding the above referenced account and in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 b. ) I hereby DISPUTE the validity of part or all of the alleged debt claimed in your letter ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( XXXX ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than XXXX business days after the receipt of the consent by that person ; Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request form you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Recovery Management Solutions LLC XXXX XXXX XXXX. 

XXXX, NY XXXX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. 

XXXX Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). 

You will also need to provide the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.

2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.

3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Better Business Bureau 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.

6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. 

You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liabilty Fund for code of ethics violations. 


Sincerely, XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX of XXXX XXXX XXXX of FLORIDA XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX, IOWA XXXX Office of Attorney General, State of Florida, The XXXX XXXX, XXXX, FL XXXX FEREAL TRADE COMMISSION XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation