Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: KS

Complaint narrative:
XX/XX/XXXX I seen that this account was on my Credit report. 
It says that it was opened XXXX of XXXX. All of my Credit reporting accounts are frozen due to multiple Data breaches in XXXX and XXXX since XXXX and ID Theft Fraud. 

I was never notified of a new account with DRS and Submitted a dispute with XXXX XXXX in XXXX and XX/XX/XXXX. I said that they didn't have written permission or a signed contract with me giving them permission to give information to the Credit reporting agencies.I never received any document showing my written consent. 

DRS and The Credit Bureaus are violating my Federally protected Consumer rights and confidentiality under 15 USC 1681. How is it possible to open an account without my written consent. My credit profile is Frozen and I have no hard Inquiry for this company, stating that I opened the account in XX/XX/XXXX. This is a violation as it is unverified and incorrect. According to 15 USC 1681i ( 5 ) they are suppose to Delete accounts that aren't reporting correctly. 

I gave this information to the XXXX  on XX/XX/XXXX and DRS responded on XX/XX/XXXX with a computer generated message Below : " We are in receipt of this recent complaint. After further review, you do not have a contract with our office, however, you did have a contract with XXXX, XXXX, who works directly with our client XXXX XXXX XXXX. XXXX XXXX XXXX hired our agency to work this account on their behalf, therefore, our office is handling this outstanding matter in your name. Please contact our office at XXXX to discuss this account further. Your account number is '' I then replied that Company failed to resolve the issue on XX/XX/XXXX. 

" No, The Business DRS failed to provide me a signed contract between myself XXXXDRS and also failed to provide proof that I was notified of a newly created negative account openend in XX/XX/XXXX on my Frozen Credit Report. This is Fraud and both DRS and the Credit bureaus are in violation of both FCRA and FDCPA. CFPB will be forwarded this XXXX information along with the disputes to the credit bureaus regarding this matter. This proof will show that DRS and the Credit bureaus blantantly violated both FCRA and FDCPA. '' In an effort to better understand the specifics of the current situation, I kindly request additional information. Could you please provide details on the nature of the debt, including the total amount owed, any applicable interest or fees, the date that the debt was purchased by DRSXXXX , the purchase amount of the debt if it was sold for by XXXX, the total retainer amount for recovery of debt by XXXX/DRS. 
Furthermore, to grab a comprehensive understanding of the situation, I would appreciate it if you could furnish the original signed contract related to XXXX, XXXX and DRS that allowed a new account that was opened on XX/XX/XXXX on my Frozen Credit report that I was never made aware of. This abhorrent disregard for the FCRA and FDCPA constitutes as fraud and Identity Theft. I am interested in any authorization or documentation that verifies your agencys representation on behalf of XXXX XXXX I have no recollection or records showing any signature, affirmation, acceptance or notification of dealing with XXXX XXXX and DRS that give you the right to report on my credit reports for the reported opening date of XX/XX/XXXX this file on my credit report. To the best of my recollection, I have no debts with any of you ( XXXX, XXXX and DRS ).

Company response to consumer: Closed with explanation