Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Plaintiff contacted Defendant R.S. CLARK AND ASSOCIATES via certified mail by requesting that debt to be validated by the defendant R.S. CLARK AND ASSOCIATES providing a Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509., date of last activity, Plaintiffs full, complete and correct social security number that may help to identify the Plaintiff as the correct person the defendant R.S . CLARK AND ASSOCIATES are trying to collect from, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor, the obligation between the defendant R.S. CLARK AND ASSOCIATES and the Plaintiff that allows the defendant R.S. CLARK AND ASSOCIATES to collect on the alleged debt and any transactions between the defendant R.S. CLARK AND ASSOCIATES that binds the Plaintiff to an agreement to pay the defendant R.S. CLARK AND ASSOCIATES any money that the defendant R.S. CLARK AND ASSOCIATES claim the Plaintiff owe, proof of photo identification ( i.e., driver 's license, state identification card, or other government-issued identification cards ) that was presented to the original creditor at the time of incurring this debt, and letter of sale or assignment from the original creditor to R.S. CLARK AND ASSOCIATES. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. ArrowFinancial Services, 302CV577, 2002 WL 32173704 ( D.Conn., XXXX XXXX, XXXX ) Defendant R.S. CLARK AND ASSOCIATES sent Plaintiff a letter on XX/XX/XXXX refusing to fully validate the debt by stating that the request was Frivolous or irrelevant and in bad faith and to bring harassment. Defendant R.S. CLARK AND ASSOCIATES also stated in received letter that they will no longer respond to any of Plaintiffs disputes or debt validation letters, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) Defendant R.S. CLARK AND ASSOCIATES failed to validate debt at the Plaintiff request- FDCPA violation, continued to report & communicate this disputed debt to the CRA- FCRA violation & FDCPA violation ( s ) 15 usc 1681b12, 15 usc 1692c My potential legal claims pursuant to the FCRA include the following : ( 1 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) failure to conduct a reasonable investigation on the alleged tradeline after receiving notice of the consumer dispute ; ( 2 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) failing to review all relevant information forwarded to you by the consumer reporting agencies ; ( 3 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) failure to report the accurate information to consumer reporting agencies and failing to report the results of the reinvestigation; ( 4 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) failing to report accurate information to the consumer reporting agencies and continuing to report information that was false, inaccurate and unverifiable.

( 5 ) 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) failing to have a procedure in your system with the consumer reporting agencies to ( i ) modify the inaccurate information in your system, ( ii ) delete the inaccurate or unverifiable, erroneous information, or ( iii ) block the re-reporting of inaccurate or unverifiable information.

Company response to consumer: Closed with explanation