Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against S and S Recovery, a debt collection agency, regarding an account they are attempting to collect from me. I believe this debt is the result of identity theft, and I am not responsible for the debt in question. Below are the details of my complaint : Issue : I have received communication from S and S Recovery regarding the collection of a debt that I do not owe. I am a victim of identity theft, and I believe the following issues have occurred : Debt Does Not Belong to Me : The debt in question is not mine, and I am not responsible for it. I have not opened any accounts with this creditor, nor have I authorized any charges related to this debt. I request that S and S Recovery provide verification of the debt and ensure that it is not associated with me.

Failure to Cease Collection Efforts : Despite informing S and S Recovery that the debt is the result of identity theft, the agency has continued to pursue collection efforts. I have provided them with relevant documentation, yet they have failed to stop collection activities.

Incorrect Reporting to Credit Bureaus : S and S Recovery has inaccurately reported the debt to the credit bureaus, negatively impacting my credit score. This is an issue I am seeking to resolve due to the fraudulent nature of this debt.

Failure to Investigate Identity Theft : I have already filed a police report regarding the identity theft and notified the credit bureaus. However, S and S Recovery has not conducted a proper investigation into the situation and continues to pursue me for the debt.

Request for Documentation : In addition to addressing the above issues, I am formally requesting the following from S and S Recovery : Proof of Debt Ownership : Please provide documentation that proves I am the owner of this debt. This should include a clear, detailed account history, along with supporting documents from the original creditor demonstrating my responsibility for the debt.

Proof of Agreement with S and S Recovery : Please provide evidence that I have any agreement or contract with S and S Recovery to pay this debt. This includes any purchasing agreements, assignments of debt, or other legal documents showing that S and S Recovery has the legal right to collect on this debt.

Purchasing Agreement : Please provide a copy of the agreement between S and S Recovery and the original creditor, showing that S and S Recovery is authorized to collect this debt. This should include any purchasing agreements or assignments of the debt.

Validation of Debt : As required under the Fair Debt Collection Practices Act ( FDCPA ), I request that S and S Recovery provide the following documentation to validate the debt : 1 ) The name of the original creditor.

2 ) A copy of the agreement or contract that demonstrates my liability for the debt.

3 ) Any statements, invoices, or other documentation showing that I owe the amount claimed.

4 ) Proof that S and S Recovery is legally entitled to collect on this debt.

Resolution Sought : I request the following actions be taken : Cease Collection Efforts : Please immediately cease all collection activities related to this debt, as I am not responsible for it. I also request written confirmation that all collection efforts have been halted.

Investigation into Identity Theft : I request that S and S Recovery conduct a full investigation into the identity theft, including providing documentation to verify that I am not responsible for this debt.

Removal of Negative Reporting : If the debt is found to be a result of identity theft, I request that S and S Recovery remove any negative reporting related to this debt from my credit report.

Provide Validation of Debt : If S and S Recovery continues to claim that I am responsible for the debt, I request that they provide all necessary documentation as outlined above to validate the debt.

Company response to consumer: Closed with explanation