Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint to request the immediate removal of a collection account reported by Eastern Account System from all consumer reporting agencies. 

Account # XXXX The account is being reported and collected without lawful authority, without proper licensing and bonding in the State of Florida, and without providing the debt validation required under federal law. 

Background & Summary of Violations Eastern Account System has furnished a collection account to my consumer credit reports and has attempted to collect an alleged debt which I formally disputed and timely requested validation for. Despite my lawful request, Eastern Account System has failed to provide any of the required documentation within the statutory timeframe. 

Specifically, I requested the following : Proof that Eastern Account System is licensed and bonded to collect consumer debts in the State of Florida Proof of their authority to furnish information to consumer reporting agencies The original contract or agreement bearing my written signature A complete accounting of the alleged debt The purchase and assignment agreement establishing their legal standing Eastern Account System has failed to produce any of the above. 

A copy of my written validation request and dispute is attached for your review. 

Statutory Violations Eastern Account Systems actions constitute clear violations of federal consumer protection laws, including but not limited to : 12 CFR 1006.34 ( b ) ( 5 ) Failure to provide required validation information upon request 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Continued collection activity without proper validation 12 CFR 34 ( d ) Use of false, deceptive, or misleading representations 15 U.S.C. 1681s-2 ( 7 ) ( A ) Furnishing information to consumer reporting agencies without required authority and disclosures Additionally, collecting or reporting a consumer debt without proper state licensing and bonding renders the activity unlawful and void ab XXXX XXXX 

Requested Relief Given Eastern Account Systems willful noncompliance, I respectfully request that the CFPB : Require the immediate deletion of this collection account from all consumer credit reporting agencies Cease all collection activity related to this alleged debt Investigate Eastern Account System for systemic violations of the FDCPA and FCRA Ensure that no further attempts to collect or furnish this account occur Any continued attempt to collect, report, or verify this account without proper authority will be considered willful noncompliance and may subject Eastern Account System to further regulatory and legal action. 

Thank you for your attention to this matter and for protecting consumers from unlawful debt collection practices. 

Respectfully submitted, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation