Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MD

Complaint narrative:
Affidavit of Consumer Rights Violations, Damages, and Demand for Equitable Relief I, XXXX XXXX XXXX, XXXX XXXX, a living man and the authorized beneficiary of the all-caps legal entity XXXX XXXX XXXX , hereby affirm the following under penalty of perjury, pursuant to the laws of the State of Maryland and the United States of America XXXX 
1. I have disputed a collection account reported by Eastern Account System I to Experian, relating to an alleged debt from XXXX XXXX in the amount of {$2400.00}. 
2. Between XX/XX/year>, and XX/XX/year>, I submitted at least XXXX disputes to XXXX contesting the accuracy and validity of this account. 
XXXX. Each dispute was marked as 'verified ' with no material investigation, in violation of 15 U.S.C. 1681i ( a ) ( FCRA ), 15 U.S.C. 1692g ( FDCPA ), and related provisions. 
4. No documentation, validation of debt, chain of title, nor proof of claim was ever provided by Eastern Account System or XXXX 
5. This account is reporting falsely and without substantiated claim, damaging my consumer credit profile and causing financial and reputational harm. 
6. I am claiming the following reliefs and damages : a. Statutory damages for 7 violations under the FCRA and FDCPA at {$1000.00} each : {$7000.00} b. Compensatory damages for emotional distress, reputational harm, and time lost : {$3500.00} XXXX Demand for recoupment of all funds paid and proceeds of the securitized note relating to the account, which remains unproven and fraudulently reported. 
7. These violations constitute fraud, bad faith, and unjust enrichment under equity and common law. 
8. I reserve all unalienable rights under UCC 1-308, and I do not waive any rights knowingly or unknowingly. 
9. I respectfully request full investigation by the Consumer Financial Protection Bureau and that this affidavit be filed with the XXXX XXXX XXXX as a sworn statement for judicial review. 
Affirmed this XX/XX/year> by : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX Email : XXXX | Phone : XXXX Summary of Violations : 1. Failure to conduct a lawful and complete investigation in response to multiple consumer disputes ( FCRA 1681i, 1 2. Continued reporting of inaccurate information without validation or legal authority ( FCRA 1681e ( b ), FDCPA 1692g 3. Reporting and attempting to collect on a securitized note, without providing proper disclosure or accounting ( TILA 4. Unjust enrichment through securitization while collecting again on the same obligation.

5. Failure to provide lawful assignment, chain of title, or holder in due course documentation.

This complaint is submitted pursuant to rights secured under federal law including, but not limited to, the Fair Credit Re Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ), as well as equitable principles of law. You are hereby notified that your continued reporting, collection, and enforcement of a disputed, unverified account violates numerous federal statutes and equitable principles. You have failed to provide : ( 1 ) validation of debt ; ( 2 ) chain of title ; ( 3 ) GAAP-compliant accounting; and ( 4 ) evidence of lawful assignment or contract. 
Judicial Notice of Status and Rights I, XXXX XXXX XXXX, XXXX XXXX, a living man and authorized beneficiary of the estate/trust titled in the all-capitalized name XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXt, do hereby give lawful notice to this honorable court and all agents and entities interacting with said trust or estate. 
This notice affirms my status as the sole authorized agent and equitable owner of the said legal estate, with all rights reserved under UCC 1-308, common law, and principles of equity. No presumption of consent, adhesion, joinder, agency, or suretyship is granted nor shall be assumed by operation of law, silence, or administrative process. 
This judicial notice is provided for the purpose of clarifying standing, remedy, capacity, and demand for recognition under the supreme law of the land, without waiver or prejudice. 
Respectfully Submitted, XXXX XXXX XXXX XXXX : XX/XX/year> 2025

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation