Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
The debt collector Credit Corp Solutions also known as CRCORPSOL, has consistently provided unvalidated, damaging negative reporting to my consumer credit report with XXXX, XXXX, and XXXX since XXXX. Here is a timeline : On XX/XX/XXXX Credit Corp Solutions issued to me a Notice of Assignment of debt without any proof of a contract with myself or with the original owner of the debt ( see attachments ). 

On XX/XX/XXXX Credit Corp Solutions issued to me a Validation Notice without any proof of a contract with myself or with the original owner of the debt ( see attachments ). 

On XX/XX/XXXX Credit Corp Solutions issued to me a credit reporting notice that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. This notice was issued without any proof of a contract with myself or with the original owner of the debt ( see attachments ). 

On XX/XX/XXXX Credit Corp Solutions issued to me a 'Debt Reduction Tax Discount Round One ' notice, offering a 10 % discount to settle the debt without any proof of a contract with myself or with the original owner of the debt ( see attachments ). 

On XX/XX/XXXX, I initiated a dispute with the debt collector, requesting proof of a contract between myself and the debt collector, as well as documentation demonstrating their ownership of the debt and legal authority to collect. 

On XX/XX/XXXX Credit Corp Solutions responded to my dispute by saying that they previously investigated it and refusing to investigate further. This dispute response was issued without any proof of a contract with myself or with the original owner of the debt ( see attachments ). 

On XX/XX/XXXX, I reiterated my dispute, stating that I disagreed with the results of their previous investigation and requested proof of their investigation and their legal right to collect. 

On XX/XX/XXXX, I disputed the amount and open date of the account, requesting the last billing statement from the original creditor to verify the amount due and due date. 

On XX/XX/XXXX, I again disputed the results of their investigation regarding the amount and open date of the account, reiterating my request for the last billing statement from the original creditor. 

On XX/XX/XXXX, I disputed the results of their investigation as shown on my report number XXXX, stating that I never had a contract with the debt buyer and they have not provided proof of their ownership of the debt or legal standing to collect. I requested that the account be deleted immediately. 

On XX/XX/XXXX, Credit Corp Solutions issued a Letter of Authority stating " As you are aware, on XXXX Credit Corp Solutions Inc assigned to Credit Corp Solutions, Inc all its beneficial rights, title and interest in the above listed debt. '' Essentially, this debt collector is self validating without providing any of the requested documentation from the original creditor or a contract with myself. 

Throughout this process, the debt collector has failed to provide any documentation or proof to substantiate their claims or validate the debt. Their continued attempts to collect on this debt without providing the requested information are in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation