Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I previously disputed this account with your company and have not received proper validation that satisfies federal law. I REFUSE TO PAY THIS DEBT. Your continued attempts to collect and/or report this account without providing complete original documentation raise serious concerns under federal consumer protection statutes. This letter serves as formal notice that Merchants must immediately cease all collection activity unless lawful validation is produced. Collection activity includes phone calls, letters, electronic communication, and furnishing, verifying, or updating information with any consumer reporting agency. I am requesting full validation of this alleged obligation. Specifically, I require ALL Original Account Level Documentation ( OALD ). I am not requesting internal notes, collection summaries, screenshots, spreadsheets, or paperwork labeled as available documentation. I am requesting authentic original records created and maintained by the original creditor. Identify the specific individual who claims to have personal and requisite knowledge of the facts related to this alleged debt, including the genuineness and authenticity of the account and possession of OALD. That person must be able to establish a prima facie case pursuant to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ]. Personal knowledge can not be based solely upon review of your internal business records. Confirm that the same individual has personally reviewed the original account-level documentation and is familiar with the original creditors record-keeping practices as required under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide a complete chain of ownership for this alleged debt, including : The name of each prior debt owner Copies of all assignments of the alleged debt ALL prior assignments executed by previous holders Additionally, provide a certified or properly authenticated copy of each bill of sale or transfer document evidencing the transfer of ownership from the original creditor at charge-off through each successive purchaser, including Merchants. Provide a signed document evidencing the opening of the account. Also provide OALD reflecting purchases, payments, or any actual use of the account by me. Provide OALD reflecting the original principal balance of the alleged debt, excluding post charge-off or post-judgment additions. If the current balance exceeds the post charge-off or post-judgment amount, provide a detailed explanation of how the balance was calculated and identify the contractual provision and legal authority authorizing such increases. I require a complete transactional history from the original creditor, including full monthly account statements. All original account-level documentation must be mailed directly to my address listed in the header of this dispute. These records must originate from the original creditor and not be recreated solely on debt collector letterhead. Provide documentation reflecting the original contractual terms and conditions that governed the account at the time it was opened, along with any amendments or updated terms issued thereafter. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect on a time-barred debt outside the applicable statute of limitations. Misrepresentation of the legal enforceability of a debt is prohibited under 15 U.S.C. 1692e ( 5 ). Provide your written dispute policies and procedures, along with a description of the system used to maintain compliance. This correspondence constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you claim this dispute is frivolous or irrelevant, you must notify me in writing within five days of receipt. My full legal name, mailing address, and the account number as reported appear in the header of this request. Provide written confirmation of the current legal status of this account within your records. You are prohibited from making any false, deceptive, or misleading representation regarding this alleged debt under 15 U.S.C. 1692e ( 10 ). If necessary, I am prepared to enforce my rights under federal consumer protection laws and pursue remedies in a court with proper jurisdiction pursuant to 12 U.S.C. 5565 ( a ) ( 1 ) for violations of the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may apply in addition to any actual damages incurred. You have 30 days to provide the requested documentation and to remove any unlawful credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in legal action being filed in a proper venue within my county. This statement is true and lawful.

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