Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
Request for Investigation and Removal of Derogatory Items from Credit Reports To Whom It May Concern, I am writing to formally request an investigation into the inaccurate and derogatory information reported on my credit file by the following creditors. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am exercising my right to verify the legitimacy of the reported debts. I respectfully request that the CFPB compel the creditors to provide proof of the alleged debts, including original signed agreements establishing my liability. Should they fail to comply, I request the immediate removal of the disputed information from my credit reports. 

# # # XXXX. XXXX XXXX XXXX : ** XXXX, XXXX, XXXX XXXX Number XXXX ** XXXX **Balance : ** {$260.00} **Status : ** XXXX I request that XXXX  produce the original signed contract associated with this secured credit card account. Without this documentation, I assert that the account and its associated balance must be removed from my credit file. 

# # # XXXX. XXXX XXXX & XXXX XXXX XXXX XXXX : ** XXXX, XXXX, XXXX XXXX Number XXXX ** XXXX **Balance : ** {$15000.00} **Status : ** Closed, with {$2700.00} past due The account is listed as late for 120180 days. I challenge the validity of this debt and request the production of a signed contract or agreement validating the terms of this account. 

# # # XXXX. XXXX XXXX XXXX : ** XXXX, XXXX, XXXX XXXX Number XXXX ** XXXX XXXX : ** {$5400.00} **Status : ** Derogatory, charged off as bad debt This account indicates a collection/charge-off status. The reporting creditor has failed to provide proof of the debt, such as a signed agreement or validation of the amount owed. 

# # # XXXX. XXXX XXXX XXXX : ** XXXX, XXXX, XXXX XXXX Number : ** XXXX **Balance : ** {$0.00} ( Closed/Paid ) This account was closed and shows a XXXX balance. However, it remains flagged as derogatory due to comments regarding cancellation by the credit grantor. I request this be corrected or removed unless legally substantiated. 

# # # Legal Justifications for My Dispute : - **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** The FCRA requires furnishers of credit information to ensure the accuracy and completeness of the information they report to credit bureaus.

- **Right to Validation : ** Under FCRA 609 and 611, I have the right to dispute inaccurate information and require the creditor to produce evidence validating the debt.

- **Debt Collection Practices : ** If the debts have been assigned to collections, the Fair Debt Collection Practices Act ( FDCPA ) applies, mandating that the creditor validate the debt upon request.

# # # Requested Actions : 1. **Validation : ** Each creditor must provide the original signed contracts that establish my liability for the debts and the accuracy of the reported information.

2. **Immediate Removal : ** If the creditors fail to provide the requested documentation, the derogatory entries must be removed from all three credit bureausTransUnion, XXXX, and XXXX XXXX 
XXXX. XXXX XXXX : ** I request a resolution to this matter within the XXXX investigation period stipulated by law. 

I look forward to the CFPBs assistance in ensuring these creditors comply with the legal requirements to validate and substantiate the debts. Should further documentation or clarification be needed, I am prepared to cooperate fully. 

Thank you for your attention to this matter. 

Sincerely,

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