Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Please note the inconsistencies in AdAstra 's statement and their continued attempts to avoid deleting the inaccurate item from my credit report. AdAstra violated the FCRA and FDCA by not VALIDATING the item in the REQUIRED timeframe. I asked for a validation of the debt, not a verification of the debt. Verification is what this company is continuing to provide and Third Party Debt collectors are subject to VALIDATION of debt. 
AdAstra claim # 1 : " All of our responses included a breakdown of the balance, the name and address of the original creditor and other information we received from our client that may be useful to XXXX XXXX in achieving a resolution of her dispute ''. 
My Response to claim # 1 : You can see on the attached notice, that this does not include a breakdown of the balance, it simply states the balance. This statement in itself is untrue because ALL of their notices DOES not include a BREAKDOWN in balance. It simply shows the balance. 
I requested that the debt be validated, which it never was and as a response to this validation request, I received a notice stating my debt was frivolous and AdAstra refused provide information that was NEVER sent from the beginning. Procedures are in place to consider a dispute frivolous and these procedures were not followed, I repeat the investigation was never completed and the documentation requested was NEVER sent to me. I requested an initial validation of debt which included all relevant account number ( s ) as well as specific information that is compliant with a reasonable investigation. Those items were the original contract which is bilateral and this contract will contain my original signature as well as the other party original signature, proof that this debt originated from my social security number and address with proper identification and Full audit compliant accounting on the balance AdAstra is claiming due, and Proof that they are authorized to collect on this debt, is there an agreement between you and the alleged Original Creditor? This is far from what I received. " What I received was a letter that did not include ANY of that information. 
AdAstra claim # 2 : AdAstra continues to state that the information that was provided to me was simply a verification of debt. Below I am quoting AdAstra which can be seen in their response to the complaint. 
" All of our responses included a breakdown of the balance, the name and address of the original creditor and other information we received from our client that may be useful to XXXX XXXX in achieving a resolution of her dispute. '' My Response to claim # 2 : This information which the company has admitted to sending ; is NOT validation compliant. Ad Astra, has yet to forward the following information, which was requested in the original request for investigation. Those items were the original contract which is bilateral and this contract will contain my original signature as well as the other party original signature, proof that this debt originated from my social security number and address with proper identification and Full audit compliant accounting on the balance AdAstra is claiming due, and documentation that they are authorized to collect on this debt, is there an agreement between you and the alleged Original Creditor. Considering AdAstra 's statements the documents originally requested were never sent to me. AdAstra is not within compliance with the FDCA or the FCRA with reference to investigating the debt because the investigation was NEVER conducted as confirmed in the company 's statement below. All investigations should be responded to within 30days and it clearly was not. Lack of this response from AdAstra, led to subsequent disputes with the Credit Reporting Agencies, alerting them that I NEVER received validation of debt from AdAstra. And seeing as how AdAstra NEVER conducted the investigation

Company response to consumer: Closed with explanation