Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: IL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Dispute and Complaint Regarding Violations by SENTRY CREDIT INC Collection Agency To Whom It May Concern, I am writing to file a formal dispute and complaint with the Consumer Financial Protection Bureau against SENTRY CREDIT INC, for violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/XXXX, I received notice from SENTRY CREDIT INC that they placed a collection account on my credit report. However, SENTRY CREDIT INC has failed to comply with the following laws : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), SENTRY CREDIT INC did not provide me with the required validation of the debt within the specified timeframe, yet they reported the collection on my consumer report.

2. Denial of Dispute Rights : Pursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), SENTRY CREDIT INC did not provide me with the opportunity to dispute the account before reporting it to consumer reporting agencies.

3. Use of False, Misleading, and Deceptive Means : SENTRY CREDIT INC has engaged in false, misleading, and deceptive practices in violation of consumer rights under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

4. Lack of Required Disclosures : SENTRY CREDIT INC has furnished account information to consumer reporting agencies without providing all required disclosures as mandated by law.

Therefore, I request the following actions : * Immediate Removal from Credit Report : I demand that SENTRY CREDIT INC remove the collection account from my credit report due to their failure to comply with the above laws.

* Dispute of Debt : I dispute owing any and all debts to SENTRY CREDIT INC.

* Revocation of Communication Rights : I hereby revoke any authorization for SENTRY CREDIT INC to communicate with me via email, text messages, or phone calls. All further communication must be in writing and sent to the address provided above.

* Request for Debt Validation : Please provide validation of the alleged debt, including documentation proving the debt is valid and that SENTRY CREDIT INC has the legal right to collect it.

* Request for Purchase Agreement : Please furnish a copy of the purchase agreement between SENTRY CREDIT INC and the original creditor pertaining to the alleged debt.

* Proof of Licensing and Bonding : Please provide documentation proving that SENTRY CREDIT INC is licensed and bonded to collect debts in my state.

I kindly request that the CFPB investigate this matter promptly and take appropriate enforcement action against SENTRY CREDIT INC for their violations of consumer protection laws.

Thank you for your immediate attention to this dispute. Please contact me at the above address or by phone at XXXX if you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation