Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I am filing this complaint against the debt collector, XXXX Receivable Management Services Corporation ( RMS ), for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). RMS is attempting to collect and has reported a debt that I do not recognize, that they have failed to validate, and that they can not legally verify as accurate. 

XXXX. Violation of FDCPA : Failure to Provide Initial Communication & Demand for Comprehensive Validation. 
My first and only awareness of this alleged debt appeared on my credit report from RMS for {$110.00}, allegedly opened on XX/XX/year>, with an original creditor named " SNAPSHOT. '' I have no recollection of any account or transaction with RMS or " SNAPSHOT. '' Critically, RMS has never sent me an initial written communication or a validation notice as required by the FDCPA. My discovery of this item was through a routine credit check. 

Therefore, I am using this CFPB complaint to formally exercise my rights under FDCPA 809 ( b ) to demand comprehensive validation. RMS must provide the following to establish a legal basis for their collection : The original contractual agreement bearing my signature that established a legal relationship with the original creditor, " SNAPSHOT, '' proving my personal responsibility for this specific alleged debt. 
A complete accounting and audit trail of the {$110.00} balance, itemizing all principal, interest, fees, and charges from a {$0.00} balance to the current amount, and proving the mathematical accuracy of the sum. 
The full chain of title and assignment, including the bill of sale or assignment agreement that specifically lists my name, the specific account number, and the {$110.00} balance, demonstrating RMS has the legal standing to collect. 

2. Violation of FCRA : Furnishing Inaccurate and Unverifiable Information. 
By reporting this account to the credit bureaus, RMS acts as a " furnisher '' of information under the FCRA. I dispute the accuracy and completeness of this information. RMS is likely violating its duties under FCRA 1681s-2 ( b ) by failing to maintain reasonable procedures to ensure maximum possible accuracy and by reporting an account that it can not legally verify. 

The fact that I have no record of this debt, coupled with RMS 's failure to make the legally required initial contact, strongly indicates that the information they have furnished is unverifiable. My formal dispute here also serves as notice that if they verified this information to a credit bureau without possessing the robust documentation requested above, they have violated the FCRA. 

3. Legal Consequences for Failure to Act.

The requested validation is necessary to establish RMS 's legal standing and the accuracy of the reported information. 

Under the FDCPA : If RMS can not provide the requested validation, they must immediately cease all collection activities, including reporting the debt to the credit bureaus. Continued collection activity without validation is a violation of the law. 
Under the FCRA : If, upon reinvestigation triggered by this dispute, RMS can not verify the accuracy of the account information with the bureaus, they must instruct the bureaus to delete the account entirely. 

Their inability to provide the contract, complete accounting, and valid assignment will prove they lack the evidence required to legally collect or report this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation