Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EASTERN ACCOUNT SYSTEM, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear EASTERN ACCOUNT SYSTEM, IN, I am writing to formally request validation of the debt associated with my account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. This request pertains to the debt you claim I owe, reported under Account Number listed below. I am exercising my legal right to ensure that this debt is valid and that you are legally entitled to collect it.

Please provide the following documents to validate the debt : 1. A copy of the assignment contract or other documentation showing your legal authority to collect this debt.

2. A copy of the purchase agreement or proof of sale, indicating the transfer of this debt to your company.

3. A detailed accounting of the debt, including the original creditor, the date of the original agreement, any payments made, and a clear breakdown of the amount you claim I owe.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, it is unlawful to report inaccurate, incomplete, or unverifiable information to credit bureaus.

The continued reporting of this debt without proper validation is a direct violation of my rights and constitutes defamation of my credit profile. As such, I am demanding the immediate removal of any reference to this account from all major credit reporting agencies ( XXXX, XXXX, and XXXX ) within 14 days of receiving this letter. 

Failure to validate the debt or remove inaccurate information will result in my pursuit of statutory damages for each violation. I am entitled to {$1000.00} in damages per offense under both the FDCPA and the FCRA for defamation, as well as any harm caused by your actions. 

Furthermore, this letter also serves as a formal cease and desist notice under 15 U.S. Code 1692c. I demand that you cease all forms of communication with me regarding this debt unless you can provide full validation. Any continued collection efforts, communication, or reporting of this unverified debt will be considered a violation of my rights under the FDCPA and FCRA, and I will seek further damages as allowed by law.

Failure to comply with this request will result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals office. I will pursue all legal remedies available, including seeking damages for defamation and harm to my credit reputation. 

I expect a complete response within 14 days of your receipt of this letter. If you can not provide sufficient validation, I demand the immediate cessation of all collection efforts and the removal of this account from my credit report. 
Sincerely, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation