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:
To Whom It May Concern, I am contacting you again about the account you are attempting to collect. I REFUSE TO PAY THIS DEBT. I do not recognize this obligation as valid, and before you continue reporting or collecting, I need actual proof that I legally owe what you claim. If your company believes it has the right to collect, then explain how. Who at your company has personal knowledge of this account? I am not asking for someone who reviewed a database entry. I want the individual who can testify to the authenticity of the records and establish a prima facie case consistent with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX NY XXXX XXXX, XXXX [ XXXX ]. That person must also be familiar with how the original creditor kept and maintained records, as required under XXXX XXXX XXXX XXXX. No. XXXX v Vill. of XXXX, XXXX XXXX XXXX, XXXX [ XXXX XXXX XXXX ]. If this account was sold, show me the path it took. I want documentation identifying every prior owner and the paperwork transferring ownership from the original creditor through each successive entity. If you rely on a bill of sale, provide a certified or properly authenticated copy that specifically references this account. I am also requesting the actual documents from the original creditor. Not summaries. Not collection notes. Not screenshots. I want the original account-level documentation. Provide the agreement that allegedly opened this account, any statements showing activity attributed to me, the original terms and conditions, and a full transactional history from the beginning of the account. If the balance you are reporting is higher than the amount at charge-off, explain how it increased and cite the contractual provision that permits that increase. Tell me the date of the last payment made to the original creditor. If this account is beyond the statute of limitations, you may not misrepresent its enforceability under 15 U.S.C. 1692e ( 5 ). You are also prohibited from using false, deceptive, or misleading representations in connection with this debt under 15 U.S.C. 1692e ( 10 ). This letter is a direct dispute under 15 U.S.C. 1681i ( a ) ( 1 ). You are required to conduct a reasonable investigation within 30 days. If you believe this dispute is frivolous or irrelevant, you must notify me in writing within five days. If you continue reporting this account without producing the documentation requested above, I am prepared to enforce my rights under 12 U.S.C. 5565 ( a ) ( 1 ), including 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, along with any actual damages incurred. At this point, the resolution is simple. Either provide the documentation that proves this account is valid and legally collectible, or permanently delete the account from all consumer reporting agencies and cease collection activity. Do not transfer or resell this account if you can not validate it. 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