Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Subject : Formal Complaint against XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX  To Whom It May Concern, I am writing to formally dispute and bring to your attention of XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX egregious violations of consumer protection laws, specifically 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s2 ( 7 ) ( A ).

Upon my attention to reviewing my credit report XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX placed collections on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 
Upon reviewing my credit report, I have identified discrepancies that directly contravene the aforementioned statutes. The inaccuracies from the collection agency are violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Im requesting the purchase agreement between the debt collector and original debtor. As well Im also demanding a request to furnish proof that you are licensed and bonded. 
These violations have caused significant harm to my creditworthiness and financial standing. As per the regulations outlined in the consumer protection laws, I request that you promptly investigate these discrepancies and take appropriate actions to rectify them. 
According to the date on my consumer report indicating that I opened an account with XXXX XXXX and Rausch, Strum, Israel, Enerson & XXXX is blatantly false. I neither received any services or products from XXXX XXXX or Rausch, Strum, Israel, Enerson & XXXX into any contractual agreement with them. This information tarnishes my credit history and infringes upon my consumer rights. 
Under 12 CFR 1006.34 ( d ) collection agency has no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law, and they are in clear violation, I am entitled to a timely and thorough investigation of my dispute. I expect that you will adhere to this requirement and provide me with updates regarding the progress of your investigation within the legally mandated 30-45 days timeframe.

Furthermore, under 15 USC 1681-s2 ( 7 ) ( A ), I reserve the right to pursue legal remedies for any failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Im formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 
I hereby declare my revocation of all communication channels with XXXX XXXX and Rausch, Strum, Israel, Enerson XXXX XXXX, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
Thank you for your prompt attention to this matter. I anticipate a swift resolution. Please keep me informed about the progress of this complaint.

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