Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> FIRSTPOINT COLL RESO XXXX XXXX XXXX XXXX, NC XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. I was unaware of this debt. Once again, I state I was not given the opportunity to dispute this debt. I did not receive proper notification and if in fact you believe I received proper notification please provide the certified mail with a receipt with my signage on their stating that I receive it. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. So if you can not provide the certified mail with a receipt with my signature I demand a deletion of this Account on my credit report. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
Also, In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the Following information is required. Please fill out the form below in its entirety. 

XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants FIRSTPOINT COLL RESO the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

o Yes o No Have any Judgements been obtained by any creditor regarding this account?

o Yes o No Please provide me the name and address of the bonding agent for FIRSTPOINT COLL RESO, in case legal action becomes necessary : Date : ________________ _________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation