Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: NM

Complaint narrative:
Subject : Dispute and Validation Request Regarding Debt of {$2000.00} To Whom It May Concern, I am writing to formally dispute the debt of {$2000.00} reported to XXXX by your agency, with the original creditor listed as XXXX XXXX. Additionally, I am requesting validation of this debt in accordance with federal laws protecting my rights as a consumer. 
1. Request for Debt Validation under the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S. Code 1692g ( b ), I am requesting written validation of this debt, including : Proof that I am legally obligated to pay this debt. 
A detailed breakdown of the amount owed ( principal, interest, fees, etc. ). 
Evidence that your agency has the authority to collect on this debt. 
Copies of any contracts or agreements bearing my signature related to this debt. 
Until proper validation is provided, I request that all collection activities cease immediately, per the FDCPA. 
2. Request for Accuracy under the Fair Credit Reporting Act ( FCRA ) Under 15 U.S. Code 1681s-2, I have the right to dispute information that is inaccurate, incomplete, or unverifiable. As the furnisher of this information to XXXX, you are required to : Investigate my dispute within 30 days. 
Provide documentation to substantiate the accuracy of the reported debt. 
Remove or correct the entry if you can not verify its accuracy. 
Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies, including XXXX, are required to ensure maximum possible accuracy of information. If DRS can not provide evidence of this debts validity, I expect you to notify XXXX to remove the entry from my credit report. 
XXXX. Prohibition of Sharing My Credit Information under the Gramm-Leach-Bliley Act ( GLBA ) I have reason to believe that my personal financial information is being improperly shared between entities without my consent. Under the GLBA, financial institutions and their affiliates are restricted from sharing sensitive consumer financial information unless specific disclosures and opt-out options are provided. If DRS has shared my information with third parties in violation of these regulations, I demand an immediate cessation of this practice. 
4. Fair Debt Collection Practices Act ( FDCPA ) Violations Under 15 U.S. Code 1692c ( b ), you are prohibited from communicating details of my alleged debt with third parties without my explicit consent. Any such disclosure constitutes a violation of my consumer rights and may result in legal action.

Summary of My Demands 1. Validate the debt in question by providing the required documentation. 
XXXX. Investigate and verify the accuracy of this debt with XXXX, or remove it from my credit report. 
XXXX. Cease sharing my personal financial information with third parties in violation of the GLBA. 
XXXX. Halt all collection activities until proper validation of the debt is completed. 
Failure to comply with these demands within 30 days will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. 
I expect a written response confirming receipt of this letter and detailing your next steps. You may contact me only in writing at the address provided above. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX CC : XXXX

Company response to consumer: Closed with explanation