Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding several accounts that I believe to be fraudulent. My concern falls under the purview of the Fair Debt Collection Practices Act ( FDCPA ), specifically referencing potential violations of USC 15 1692c. Below are the details of the accounts in question : -- - XXXX XXXX XXXX Account Details in Question : 1. **Account Name XXXX XXXX XXXX XXXX  XXXX*Account Number : ** XXXX - **Recent Balance : ** {$2600.00} as of XX/XX/XXXX - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection account. {$2600.00} past due as of XX/XX/XXXX. 

2. **Account Name : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX .... 
- **Recent Balance : ** Not reported - **Date Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed. {$28000.00} written off. 

3. **Account Name : ** XXXX XXXX - **Account Number : ** XXXX .... 
- **Recent Balance : ** {$0.00} as of XX/XX/XXXX - **Date Opened : ** XX/XX/XXXX - **Status : ** Closed. {$4100.00} written off. 

4. **Account Name : ** XXXX XXXX - XXXXAccount Number : ** XXXX .... 
- **Recent Balance : ** Not reported - **Date Opened : ** [ Missing Data ] 5. **Account Name : ** XXXX - **Account Number : ** XXXX .... 
- **Recent Balance : ** Not reported - **Date Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed. {$2200.00} written off. 
- **Date Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed. {$170.00} written off. 

6. **Account Name : ** XXXX XXXX XXXX XXXX XXXX **Account Number : ** XXXX - **Recent Balance : ** {$2400.00} as of XX/XX/XXXX - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection account. 

7. **Account Name : ** XXXX - XXXX*Account Number : ** XXXX .... 
- **Recent Balance : ** Not reported - **Date Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed. {$2400.00} written off. 

-- - **Summary of Observations : ** I have identified several significant issues with these accounts : 1. **Future Dates and Discrepancies : ** Several accounts mention future dates ( e.g., balances as of XX/XX/XXXX and XX/XX/XXXX ), which is highly irregular given the current year is XXXX. 
2. **Incomplete Information : ** Many of the accounts do not report current balances, making it challenging to verify their authenticity. 
3. **Multiple Entries for Single Entity : ** The account under the name XXXX shows two different account opening dates and varying amounts written off, which may indicate errors or intentional manipulation. 
XXXX. XXXX Account Statuses : ** Some accounts show substantial sums written off without adequate explanations or supporting documentation. 

**Requested XXXX : ** I request the Consumer Financial Protection Bureau XXXX initiate a detailed investigation into these accounts. Given the potential FDCPA violations and the irregularities noted, it is imperative that these accounts be scrutinized for any fraudulent activities. 

**Supporting Documentation : ** Enclosed with this letter are copies of relevant records and documents, including account statements and correspondence from the creditors/collectors, to support my allegations. 

XXXX XXXX for XXXX : ** I am readily available to provide further details or clarification if required. Please contact me at XXXX or XXXX Thank you very much for your attention to this urgent matter. 

Sincerely,

Company response to consumer: Closed with explanation