Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
Debt Recovery Solutions ( DRS ) is reporting a XXXX  collection account on my credit file in the amount of {$1300.00} ( Acct. XXXX ) even though I have repeatedly disputed this account for several months and I have not received a single piece of documentation validating the debt. I also never received any written notice or documentation of this alleged debt before it was placed on my credit reports, which is a serious compliance issue under federal debt collection requirements. DRS presents itself as a debt collection agency with consumer support channels ( including a public contact line ), yet despite my disputes, the company has continued credit reporting without providing the documentation required to substantiate the accuracy and ownership of this debt. To validate this alleged XXXX  debt, DRS must provide documentation sufficient to show : Who owns the debt today ( chain of title / assignment history from XXXX  to current owner/collector ). 
An itemized accounting of the balance claimed ( {$1300.00} ), including principal, interest, fees, and dates assessed. 
The alleged contract or account agreement ( or equivalent documentation ) tying the debt to me ( name, address, identifying details used to match the account ). 
Date of default / date of first delinquency ( DOFD ) and the timeline used to calculate reporting and collection activity. 
Copies of any notices allegedly sent to me, including the initial notice and any validation notices. 
Proof that the tradeline is being reported with correct dispute indicators and accurate Metro 2 fields across all bureaus. 
To date, none of this has been provided despite months of disputes.Why this is a problem ( legal + compliance basis ) 1 ) FDCPA validation/notice requirements and continued collection activity without validation Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must provide proper notice and, when a consumer disputes, must provide verification/validation consistent with the statute and stop certain collection activity until it responds appropriately. Reporting/maintaining a disputed debt on credit reports without providing validation raises serious concerns about compliance with FDCPA requirements and potential false/deceptive collection practices ( including 1692e and unfair practices 1692f depending on facts ).

2 ) FCRA furnisher duties to report accurately and investigate disputes As a furnisher of information, DRS must ensure information it reports is accurate and must comply with reinvestigation duties after disputes are submitted through the credit reporting agencies ( FCRA 623 ( b ) ). Continuing to report a collection as accurate while failing to produce documentation supporting the debts accuracy, ownership, and terms raises concerns that DRS is not meeting its FCRA obligations. ( FCRA governs credit reporting and furnisher responsibilities. ) 3 ) Metro 2 ( credit reporting standards ) DRS is expected to follow Metro 2/industry reporting standards so that data furnished to the credit bureaus is complete, consistent, and verifiable. If DRS can not produce competent documentation to support key fields ( ownership, dates, amount, status, and dispute coding ), then reporting this tradeline may be improper and misleading.

4 ) No pre-reporting documentation / notice concerns I did not receive documentation of this alleged debt before it appeared on my credit reports. At minimum, I am requesting proof of the initial notice/communication history and the basis for placing this account for collection and credit reporting.

Company response to consumer: Closed with explanation