Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX STEEL RIVER SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX FRAUDULENT ACCOUNTS : ACCOUNT NAME : STEEL RIVER ACCOUNT NUMBER : XXXX LEGAL DEPARTMENT TO WHOM IT MAY CONCERN Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 


At this timer I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX ), this action might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : XXXX. Agreement with your client that grants you the authority to collect on this alleged debt. 
XXXX. Original agreement that bears the original signature of the alleged debtor wherein he/she agreed to pay the creditor. 
XXXX. Any insurance claims have been made by any creditor regarding this account. 
XXXX. Any Judgements obtained by any creditor regarding this account. 
XXXX. Name and address of alleged debtor. 
XXXX. Alleged account number XXXX. Address on file for alleged debtor. 
XXXX. Amount of alleged debt. 
XXXX. Date this alleged debt became payable. 
XXXX. Date of original charge off or delinquency XXXX. Verification that this debt was assigned or sold to collector. 
XXXX. Complete accounting of alleged debt. 
XXXX. Commission for debt collectors if collection efforts are successful. 
XXXX. Proof of license to collect Debts in the state of FLORIDA which you must be licensed. 


Please provide the name and address of the bonding agent for STEEL RIVER SYSTEM in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow XXXX business days for processing after I receive this information back. 



Best Regards XXXX XXXX XXXX XXXX XXXX XXXX cc Federal Trade Commission and CFPB

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