Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MD

Complaint narrative:
[ MRS BPO , LLC XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX, NJ, XXXX ] [ XXXX ] [ XXXX, XXXX, 2023 ] XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Removal Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information reported by XXXX XXXX to the credit bureaus concerning my account [ Account Number : XXXX ]. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these matters and the removal of any inaccurate, outdated, or improperly reported information that is negatively impacting my XXXX XXXX. 

# # # Legal Basis for My Dispute Upon reviewing my credit report, I have identified several violations and inaccuracies that require correction in accordance with federal law : XXXX. XXXX*15 U.S.C. 1681b ( 2 ) ** Entities reporting negative information must have proper authorization. Please verify whether proper legal justification exists for the reporting of my account.

2. **15 U.S.C. 1681q** Unlawful access or misrepresentation regarding my credit report should be investigated and corrected.

3. **15 U.S.C. 1681c-2** Any fraudulent accounts or unauthorized inquiries must be blocked immediately per FCRA guidelines.

4. **12 CFR 1006.34 ( c ) & 1006.6 ( c ) ** XXXX collection practices must adhere to fair communication standards. Any violations should result in immediate deletion. 
XXXX. **15 U.S.C. 1681e ( b ) ** Credit reporting agencies are required to ensure accuracy. Any false or outdated reporting must be rectified.

6. **15 U.S.C. 1681s-2 ( a ) ** Furnishers of credit information must maintain accuracy in reporting ; any errors must be addressed and removed.

7. **1099-C Filing Requirements** Charge-offs must be properly reported, including adherence to IRS requirements regarding debt forgiveness.

8. **15 U.S.C. 1666b** Errors in payment history, including inaccurate reporting of payment dates, should be corrected.

9. **15 U.S.C. 1681i** I request a thorough reinvestigation of any disputed items to ensure compliance with the law.

10. **15 U.S.C. 1681n** Failure to comply with FCRA standards XXXX result in civil liability. Any non-compliant reporting must be addressed immediately. 
XXXX. **UCC 9-609** A secured party XXXX take possession of collateral after default, but it must be done without breach of the peace. Any unlawful repossession practices should be reviewed. 
XXXX. **UCC 9-610** The disposition of collateral must be conducted in a commercially reasonable manner. Any failure to properly notify or dispose of repossessed property should be corrected. 
XXXX. **UCC 9-611** Creditors must provide sufficient notice before disposing of repossessed property. If proper notice was not given, this constitutes a violation. 
XXXX. **UCC 9-615** If surplus funds from the sale of repossessed property were not properly credited or accounted for, corrections should be made immediately. 

# # # Notice of Unlawful Reporting This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule **REGULATION F**, which took effect **May XXXX, XXXX, you ( **MRS BPO, LLC - XXXX FINANCIAL** ) have violated XXXX **FDCPA 1006.30 ( a ) ** and its new rule by " parking '' this alleged debt on my consumer report. **Cease and Desist** the reporting of this alleged debt immediately, or I will escalate this matter and take legal action. 

I have not given you written permission to put anything on my credit profile ( **15 U.S.C. 1681b ( 2 ) ** ). You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to **Aggravated Identity Theft** pursuant to **18 U.S.C. 1028A**. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a **felony punishable by up to 2 years of imprisonment**, in addition to civil liability. 

I am a **litigious consumer** and will not hesitate to take legal action against **MRS BPO, LLC - XXXX XXXX should this matter not be resolved immediately. 

# # # Requested Actions To resolve these issues, I formally request the following : XXXX. **Removal of XXXX Accounts** Any collection accounts that fail to meet legal requirements should be deleted from my credit report. 
XXXX. **Removal of Charge-Offs** Charge-offs that do not comply with FCRA regulations must be removed immediately XXXX 
XXXX. **Correction of XXXX Records** Any repossession-related errors or violations of UCC provisions should be XXXX and corrected. 
XXXX. **Verification of XXXX Ensure that XXXX XXXX and XXXX credit bureaus adhere to their obligations under FCRA, XXXX, and related laws. 
XXXX. **Documentation of Investigation** Provide written verification of all investigations conducted and confirm the removal of any disputed items. 

# # # Supporting Documentation I have attached supporting evidence, including copies of my credit reports, prior correspondence with furnishers, and any other relevant documentation to substantiate my claims. 

I request that you respond in writing within the legally mandated timeframe, confirming the removal of any inaccurate or improperly reported items. Failure to comply with this request XXXX result in further action to protect my rights under federal and state law. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution at your earliest convenience. 

Sincerely, ** [ XXXX XXXX XXXX ] ** [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief