Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
This letter serves as a formal dispute of the above-referenced account that Pacific Credit Services ( PCS ) is attempting to collect and/or report on my consumer credit file. I have recently discovered that PCS is reporting or attempting to collect this alleged obligation. This alleged debt is disputed in its entirety. DEMAND FOR VALIDATION Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act You are required to cease collection and reporting activity until the debt is properly validated. To properly validate this alleged obligation, PCS must provide the following : The name and address of the original creditor The complete amount of the alleged debt A full accounting of the balance The date of default The date of charge-off The complete payment history The contract bearing my signature Documentation demonstrating PCS has authority to collect this account DEMAND FOR PROOF OF OWNERSHIP AND STANDING PCS is not the original creditor, therefore you must prove you have lawful ownership and standing to collect or report the alleged debt. You must produce : The Purchase and Sale Agreement The Forward Flow Agreement The Bill of Sale The Account-Level Assignment identifying my specific account The Complete Chain of Title from the original creditor to PCS Any Assignment Agreement transferring collection rights Courts have consistently ruled that debt buyers must prove ownership of the specific account in order to establish standing. See : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Debt buyers must demonstrate a complete chain of assignment establishing ownership of the specific account. Generic bills of sale without account-level identification are insufficient to establish standing. NOTICE REGARDING CREDIT REPORTING If PCS continues to report this account without proper validation and proof of ownership, such conduct may violate : 15 U.S.C. 1692e False or misleading representation 15 U.S.C. 1692f Unfair collection practices 15 U.S.C. 1692g ( b ) Continuing collection activity without validation 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation under the FCRA Reporting a debt that can not be substantiated constitutes furnishing inaccurate information to consumer reporting agencies. DEMAND FOR DELETION If PCS can not provide the requested documentation within thirty ( 30 ) days, you must : Immediately cease collection activity Delete all credit reporting related to this account Provide written confirmation of deletion NOTICE OF INTENT TO ESCALATE Failure to comply will result in the following actions : Filing formal disputes with the credit reporting agencies Initiating arbitration pursuant to any governing agreement Filing federal litigation for violations of the FDCPA and FCRA I will seek statutory damages, actual damages, and attorneys fees as permitted under federal law. This letter is not a refusal to pay, but a notice that your claim is disputed and must be validated. Govern yourselves accordingly.

Company response to consumer: Closed with explanation