Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute, Identity Verification Demand, and Debt Validation Request Alleged XXXX XXXX Account Dear XXXX XXXX, This letter is in response to your communication regarding an alleged XXXX account that you claim was placed in collections with your agency in XX/XX/2024. While I acknowledge receipt of your response, your agency has failed to comply with federal law, and this matter remains formally disputed. 

This letter serves as both a renewed demand for proper debt validation under the FDCPA and a consumer statement of record in support of my CFPB complaint.

1. Verify My Name Identity Mismatch and Potential Fraud Let me be clear : My legal name is XXXX XXXX. If your records reflect any variation, misspelling, or inclusion of another name, you are required to provide documentation showing how and why that version is associated with me. 

I further demand that you verify identity by providing : A copy of the original application or contract bearing my correct name and signature Any government-issued identification or documents used to open the account Proof that I personally opened or used this XXXX account If you can not provide this information, you must consider this matter a case of potential identity theft or mistaken identity, and you are required to investigate and remove the account.

2. Failure to Validate Debt FDCPA Violation ( 15 U.S. Code 1692g ( b ) ) Your agency is subject to the Fair Debt Collection Practices Act, regardless of whether you own or service the debt. As of today, you have failed to provide : A signed contract or service agreement proving I am legally responsible An itemized breakdown of charges A statement of account activity from XXXX Proof of your legal authority to collect or report this debt Under 15 U.S.C. 1692g ( b ), you must cease all collection activity and provide written verification before proceeding. A vague claim that a balance is owed does not meet legal requirements. Numerous court decisions confirm that internal account records or summaries are not sufficient.

3. FCRA Violations Reporting Unverified or Inaccurate Information You are obligated under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) to furnish only accurate, complete, and verifiable information to credit reporting agencies.

You are now on notice that : This account is formally disputed You must mark the account Disputed by Consumer with all credit bureaus Continuing to report inaccurate or unverifiable data constitutes a willful violation and exposes you to civil liability 4. Previous Agency Demand for Chain of Custody Documentation Youve stated this account was previously assigned to another collection agency. This raises serious concerns about the integrity and legality of data handling.

I demand : The full name and contact information of the previous collection agency Documentation showing lawful transfer or assignment of the account to your agency Confirmation that the account is not being reported by multiple entities ( i.e., duplicate derogatory reporting or illegal re-aging ) 5. You Claimed to Have Sent a Letter But Have Not Proven It Your vague statement that a notice was sent is not acceptable. You must provide : A dated copy of the notice Proof of mailing ( certified mail receipt or XXXX tracking ) The contents of that letter Without proof of delivery, your claim does not satisfy FDCPA notice requirements under 1692g ( a ).

6. Cease All Collection and Credit Reporting Until Full Validation Is Provided Under FDCPA 1692g ( b ), once a written dispute has been received, you are prohibited from engaging in any further collection activity including credit reporting until you have mailed the requested validation to me.

DEMAND FOR ACTION Respond Within 15 Days You are now formally required to : Verify the spelling and form of my legal name on all account records ; Provide full debt validation documentation, including proof of my contractual liability and chain of custody ; Mark the account Disputed by Consumer with all credit reporting agencies ; Cease all collection and credit reporting activity until legally sufficient validation is sent to me ; Immediately delete the account from all credit reports if you can not validate it.

Failure to Comply Will Result in Escalation If you fail to comply within 15 calendar days, I will escalate this matter further by : Filing complaints with the Federal Trade Commission ( FTC ) and the Florida Attorney General Pursuing legal action in small claims or county court for violations of the FDCPA and FCRA

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