Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the collection account currently reported by Torres Credit Services to XXXX for an alleged debt with XXXX XXXX XXXX in the amount of {$700.00}. 

This account is entirely inaccurate. None of the information reported is correct, including but not limited to : The account number listed does not match any account I have ever held with XXXX or any utility provider ; The amount claimed is not valid or owed by me ; I have not received any notice or billing from XXXX reflecting this alleged balance ; I am not aware of any service or delinquency tied to this amount ; The debt was previously reported by another agency and removed after a formal dispute, confirming its inaccuracy. 

This re-reporting by Torres Credit Services constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) under XXXX U.S.C. XXXX ( b ), which requires furnishers to conduct a reasonable investigation when notified of a dispute and prohibits the reporting of inaccurate information. 

In addition, XXXX has failed in its duty under FCRA XXXXe ( b ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information it includes in consumer reports. 

I have attached documentation showing this issue was previously investigated and removed by another collection agency due to the false nature of the account. 

I demand that this account be deleted from all consumer credit reporting agencies within 15 days from the date of this letter. If it is not, I will immediately retain legal counsel and pursue damages, legal costs, and all remedies available under federal and state law for this reckless disregard of my rights. 

It is unclear how Torres Credit Services determined this was a valid debt. Please provide an assignment of this collection account. As the prior collection agency provided documentation this was no longer being pursued. 

Please provide a purchase agreement of this collection account and a detailed account ledger with dates and amounts for the entire duration of the XXXX XXXX Account of how the amount of {$700.00} was determined. 

I have never received any correspondence from Torres Credit services that they were pursuing this debt and have legal authority to do same. Please supplement and provide any correspondence your agency allegled sent to me as required by the Fair Credit Reporting Act I will initiate litigation proceedings and propound written discovery on how your agency concluded this was a legitimate debt. I have documentation to substantiate my position this is a false collection account being presented. 

I am not a resident in Pennsylvania. I want clarification if Torres Credit Servies is licensed and authorized to collect debt in my current state of residence and is complying with all applicable consumer protection laws. 

I will seek Interrogatories, request for production and request for admissions the grounds for your agency to take ownership of this allegled debt and legitimacy to pursue an allegled debt outside the state of Pennsylvania, in which I am not a resident. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation