Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, your agency received a letter from me demanding validation of the alleged debt in the amount of {$23000.00}. Attached is a copy of the letter. 

As per the law, your agency had 30 days to respond, however, you have failed to provide me with proper validation of debt I have lawfully requested within the 30 day window. I am attaching all the letters along with proof of delivery with this letter. 

Furthermore, I sent a follow-up letter requesting the same on XX/XX/XXXX which was also ignored. On XX/XX/XXXX, nearly three ( 3 ) months after my initial demand of verification of this alleged debt, I received a letter from your agency with a bill from XXXX XXXX XXXX XXXX ( attached ). Must I remind you that : i ) You have failed to respond within the 30 day time frame ii ) A bill is not sufficient proof of debt. Proof of debt must include contact, complete payment history etc. 

The FDCPA ( Federal Debt Collection Practice Act ) states you must provide detailed verification of the debt if requested, within 30 days which your agency clearly failed to provide. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act and several other violations your company is now responsible for. If not, let me point them out for you. 

FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute.

2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information.

FDCPA 1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ( XXXX XXXX dollars ) per violation Due to your gross negligence and disregard of the law, this debt must be deleted from my credit files with the four major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within 10 days of receiving this letter or by XXXX, XXXX, XXXX the latest along with a letter to me confirm that they have been removed and will not reappear on my credit reports again by you or another collection agency. 

Please be aware that if this accounts is not removed from my credit profile by XXXX, XXXX, XXXX, I will be filing a lawsuit against your agency for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act and I will be seeking civil liability in the amount of {$1000.00} ( XXXX XXXX XXXX Dollars ) per violation as allowed by the law. Please also be aware I will file a formal complaint with the Federal Trade Commission, The Nevada State Attorney General, The Minnesota State Attorney General and the XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief