Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Main Line Recovery Solutions, Inc.
State: MA

Complaint narrative:
Subject : Dispute of Debt - Request for Validation and Documentation ( Acct : XXXX ) To Whom It May Concern, I am writing to formally dispute the validity of a debt reported on my credit report by your company. The debt in question is associated with XXXX XXXX  and amounts to {$3800.00}. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting comprehensive validation of this debt. 
Specifically, I request the following documentation to verify the legitimacy of this debt : 1. Proof of Attendance : Documentation from XXXX XXXX that verifies my attendance, including dates of enrollment. 
2. Final Grade or Transcript : An official transcript or any records showing the final grades received for the courses taken. 
3. Course Details : Detailed information regarding the courses I was purportedly enrolled in, including course names and descriptions. 
4. Original Contract or Agreement : A copy of the original contract or agreement I signed with XXXX XXXX, indicating my obligation to pay the stated amount. 
5. Itemized Statement : An itemized statement of the debt, showing how the amount of {$3800.00} was calculated, including any fees or interest. 
6. Verification of Authority : Documentation proving that XXXX XXXX XXXX is authorized to collect this debt on behalf of XXXX XXXX. 
7. Payment History : A complete history of payments made on the account, if any. 
8. Prior Actions Taken by XXXX XXXX  : Detailed information on all actions XXXX XXXX took to contact me regarding this debt before transferring it to collections. 
9. Prior Actions Taken by XXXX XXXX XXXX : Documentation of any attempts made by XXXX XXXX XXXX to contact me and settle this debt before it was reported on my credit report. 
10. Proof of Initial Contact : As required by the FDCPA, proof that at least one of the following methods was used to contact me about the debt before it was reported to a credit reporting company : a ) Speaking with me in person b ) Speaking with me by telephone c ) Mailing me a letter and waiting a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered d ) Sending me an electronic communication and waiting a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered 11. Signed Documents : All documents, including electronic records or images, which bear my signature and which concern the debt being collected. 

Please note that this request for validation is made pursuant to the laws governing debt collection practices in the state of Massachusetts. Until these documents are provided, I am disputing the debt and request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

I appreciate your prompt attention to this matter and look forward to your response. Please send all requested documentation to the address listed above or via email at XXXX Sincerely, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation