Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I am writing to dispute the reporting of a collection account on my credit report, as furnished by your agency. I believe that the reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15, Section 1692 et seq., of the U.S. Code, which governs the practices of third-party debt collectors. 
Upon reviewing my credit report obtained from your agency, it indicates the presence of a collection account with the following details : XXXX. XXXX XXXX- $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX- $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX $ XXXX Closed XX/XX/XXXX XXXX. XXXX XXXX- $ XXXX XX/XX/XXXX However, I contend that the reporting of this collection account may be in violation of the FDCPA for the following reasons : Misleading or Inaccurate Information : The FDCPA prohibits debt collectors from making false or misleading statements or misrepresenting the amount or status of a debt. I dispute the accuracy and validity of the reported collection account and request that you provide documentation and evidence to verify the authenticity of the debt, including the original creditor 's name, the amount owed, and any supporting records. 
Failure to Provide Required Disclosures : Under the FDCPA, debt collectors are required to provide consumers with certain disclosures, such as the right to dispute the debt and request verification. I request that you provide me with written proof that the collection agency has provided the required disclosures as mandated by the FDCPA. 
Inadequate Validation : The FDCPA grants consumers the right to request validation of a debt. 
If I have previously requested validation of this collection account and it was not provided to me, or if the provided validation was incomplete or insufficient, I dispute the adequacy of the validation process and request a complete and thorough validation of the debt. 
Based on the aforementioned potential violations of the FDCPA, I kindly request that you conduct a comprehensive investigation into the reporting of this collection account and take appropriate actions to rectify any inaccuracies or violations of the FDCPA. 
Furthermore, I expect that you comply with the FDCPA 's requirements, including but not limited to : Providing a prompt and thorough investigation into this dispute, ensuring accurate and verifiable information is reported. 
Ceasing all collection efforts until the investigation is completed and the accuracy of the debt is verified. 
Providing me with written confirmation of the resolution of this dispute, including any changes made to the reporting of the collection account on my credit report. 
I also request that you provide me with a free copy of my updated credit report once the investigation is completed and any necessary changes have been made. 
Please be aware that I expect a timely response within XXXX  days, as mandated by the FDCPA. 
Failure to comply with this request may result in the initiation of legal action to protect my rights under the law. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and the resolution of this dispute in accordance with the provisions of the FDCPA.

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