Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FDR Asset USA LTD
State: MI

Complaint narrative:
FDR Alliance LLC has repeatedly failed to properly validate an alleged debt they claim to own, despite multiple formal requests and CFPB complaints. They continue to provide only the original contract from XXXX XXXX XXXX XXXX and conclusory statements asserting liability, without producing a full accounting or explanation of the alleged balance. Their actions demonstrate a pattern of misleading and evasive behavior that violates the Fair Debt Collection Practices Act ( FDCPA ), misrepresents the legal status of the debt, and has caused substantial consumer harm, including significant credit damage and limited housing opportunities. 
I am filing a third complaint regarding FDR Alliance LLCs continued failure to properly validate an alleged debt they claim to own, originally issued by XXXX XXXX XXXX XXXX. Their first CFPB response ( submitted XX/XX/XXXX ) included only a copy of the original signed XXXX contract and a debt collection letter. No accounting, payment history, or documentation showing how the alleged balance of {$6400.00} was calculated was included. Their second CFPB response ( submitted XX/XX/XXXX ) repeated this same limited documentation and stated that they had requested a complete accounting and payment history from XXXX XXXX XXXX XXXX, which will further clarify how the balance was calculated. They also stated that once these records are received, they will be forwarded to you promptly through this same portal for your review. 
FDR Alliances so-called validation letter ( XX/XX/XXXX ) further demonstrates inadequate compliance. While it is on FDR Alliance letterhead, it provides only confirmation of the original creditor ( XXXX  ), the account number, the total alleged balance, and a statement that documentation from XXXX is enclosed. This letter does not validate the debt because it provides no accounting, payment history, or calculation of the current balance ; it refers to XXXX rather than providing evidence generated or verified by FDR Alliance, the previous owner ; it concludes that I am liable for the balance indicated without supporting documentation ; and it pressures me to contact them to discuss payment options. By pointing to XXXX while claiming ownership, FDR Alliance is misleading the consumer about the legal status and calculation of the debt. This is inconsistent with their role as the debt owner and constitutes a violation of FDCPA 1692g ( b ) ( failure to properly validate ) and 1692e ( false or misleading representations ). 
It has now been 22 days since their XX/XX/XXXX response, and FDR Alliance has not provided any additional documentation or the promised accounting. Their repeated, evasive responses demonstrate a pattern of disregard for federal debt collection requirements. I am requesting that the CFPB require FDR Alliance to permanently cease all collection activity and credit reporting related to this account. If FDR Alliance continues any collection efforts, communications, or credit reporting without proper validation, I will pursue all available lawful remedies, including arbitration, complaints to federal and state regulators, and statutory enforcement under the Fair Debt Collection Practices Act. Additionally, I request that the CFPB consider referring this matter for further review or enforcement to the Federal Trade Commission or the appropriate state Attorney Generals office, as FDR Alliances conduct may reflect a broader pattern of deceptive and noncompliant debt collection practices. 
This ongoing behavior has caused significant stress, confusion, and tangible financial harm. FDR Alliances inconsistent and evasive responses, along with the misleading validation letter, have significantly impacted my credit score, which has in turn limited my housing options and ability to secure rental housing. Their conduct undermines my ability to exercise my consumer rights under federal law and creates uncertainty regarding how to dispute or confirm the accuracy of the alleged obligation.

Company response to consumer: Closed with explanation