Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I sent them an email on XX/XX/XXXX and they didn't respond. I sent a follow up email on XX/XX/XXXX requesting the same information as the prior email and they responded today on XX/XX/XXXX. Below is the email thread. ' MY FIRST EMAIL : XXXX On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote : > > > > To Whom It May Concern, > > I recently discovered a collection account reported by your company, William Rush & Associates , on my credit report for approximately {$1800.00} with XXXX listed as the original creditor. > > I dispute this debt and request full validation. > > Please provide the following documentation : > > A copy of the signed agreement showing I agreed to purchase treatment or financing > Documentation showing the amount owed and how it was calculated > Proof that your company has the legal right to collect this debt > The date of first delinquency associated with this account. XXXX XXXX Thanks, XXXX XXXX XXXX XXXX ======================================== MY SECOND EMAIL : From : XXXX XXXX XXXX Sent : Sunday, XX/XX/XXXXXXXX XXXXXXXX XXXX To : Info XXXX Subject : Re : Account Dispute SECOND REQUEST [ Some people who received this message don't often get email from XXXX. Learn why this is important at XXXX : XXXX ] To Whom It May Concern, I am following up on my previous email sent on XX/XX/XXXXXXXX regarding the {$1800.00} account associated with XXXX that your company has reported on my credit file. As of today, I have not received any response. I am formally requesting validation of this debt, including : - Documentation showing I am legally obligated to pay this amount - Proof that your company has authorization to collect on this account - A full account history, including how the balance of {$1800.00} was calculated This account is currently impacting my credit, and I am disputing its accuracy. If you are unable to provide proper validation, I expect this account to be removed from all credit reporting agencies immediately. Please respond within 5 business days of receipt of this email. If I do not receive a response, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau and disputing this account with all three credit bureaus. I prefer all communication in writing. Sincerely, XXXX XXXX Sent from my XXXX XXXX THEIR RESPONSE : From : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX at XXXX XXXX To : XXXX XXXX XXXX Cc : Info XXXX Subject : Re : Account Dispute SECOND REQUEST Good Afternoon, Please refer back to the original creditor as we no longer have the account with our agency. If there is any questions or need additional information, please feel free to contact our office at XXXX. We are here to assist you in resolving this matter. Sincerely, XXXX XXXX XXXX XXXX Williams Rush & Associates LLC XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX : XXXX |F : ( XXXX ) XXXX XXXX XXXX This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.

Company response to consumer: Untimely response