Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
XXXX M.A.R.S Inc XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX M.A.R.S Inc I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection or that I allegedly owed the debt until contact was made via phone by me on XX/XX/year> after reviewing my credit report. 
While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim as per the FCRA. I am formally disputing the validity of the alleged debt, which your agency claims I owe and In accordance with my rights under section 609 the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with comprehensive validation of the alleged debt.

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, Please furnish the following documentation : 1. A detailed History of the account : Please provide a complete account history by line item, including information on the agreement date, any payments made ( transactions ), utility bills, any fees and interests added, itemized amount, receipt of goods and any relevant details directly from the original Creditor.

2. Verification of the debt : Please provide a detailed written statement and any documents that prove I am indeed responsible for this debt. An agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor.

The obligation between M.A.R.S Inc and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company and the original creditor. Also please include the original creditors name and address any original physically signed agreements, contracts, or other proof of the obligation.

3.Letter of Sale or Assignment From the Original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt.

4. Proof of Identification : ( i.e., Drivers License, State Identification Card, Social Security Card and other govern
ment issued identification cards ) Original proof Presented at the time of incurring the debt. Please provide all documents with the dates that all legal binding alleged debt was incurred.

5. The amount of the debt : Please provide a complete and detailed account of the amount you claim I owe, Including any interest fees, or other charges that have been added to the original debt. 

Please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter. If you fail to do so, I expect that this debt will be removed from my credit report and that no further collection attempts will be made. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested information to resolve this dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation