Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
MARS Collection Agency XXXX XXXX XXXX XXXX, XXXX, OK XXXX Subject : Dispute of Debt - Account Number unknown. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Under Section 809 of the FDCPA, 15 U.S.C. 1692g, I request that you provide detailed documentation proving that I owe this debt and that you have the legal right to collect it. Specifically, please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed statement showing the original debt and any charges, fees, or interest added.

4. Proof that you are authorized to collect debts in my state. ( I reside in Kansas your office is located in Oklahoma ) Until this verification is provided, I request that you cease all collection activities, including reporting this alleged debt to credit bureaus, in accordance with Section 805 of the FDCPA, 15 U.S.C. 1692c. Additionally, please be aware that if this debt is found to be inaccurate or unverifiable, it must be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Please provide the requested verification within 30 days of receiving this letter. Should you fail to comply with my request, I will consider this matter resolved and take appropriate action to protect my rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX As well as contacting my family member who was listed as an emergency contact I a attempts collect the debt law states Debt collection laws vary by jurisdiction, but in many places, including the United States, there are specific rules designed to protect consumers from harassment and inappropriate practices by debt collectors. Here are some key points : 1. **Repeated Phone Calls** : Under the Fair Debt Collection Practices Act ( FDCPA ) in the U.S., debt collectors are prohibited from making repeated or continuous phone calls with the intent to annoy, harass, or abuse you. This means that while a debt collector can call you, they can not continuously call you in a manner that is intended to be harassing.

2. **Contacting Third Parties** : Debt collectors are generally not allowed to contact people other than you ( such as family members, friends, or coworkers ) about your debt, except to obtain your contact information. They must identify themselves as debt collectors when they call and can not discuss the details of your debt with these third parties. In the U.S., if they disclose information about your debt to third parties without your consent, it could be a violation of the FDCPA.

I have not been provided with the original contract signed by me with the original creditor so therefore am not able to verify that I owe this debt and I refuse to pay a debt to a third party debt section agency.

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