Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
False Statement or Representation. 

I received a letter from a debt buyer, XXXX XXXX XXXX XXXX, XXXX, for an old debt that was never verified and/or validated from the previous debt buyer. XXXX problem is that the old debt buyer that just sold it, XXXX, did so I believe out of spite and because they obtained recent info on me from a recent complaint filed against them and they have since decided to send that info on to a 3rd ( or 4th ) party to attempt to collect this old debt and/or to purposely have it end up on my credit report since they now have to remove a different account reporting as a result of the complaint filed against them ( diff acct. ). It is strongly suggested that XXXX is affiliated with XXXX ( the new buyer of this debt ). The second problem is the debt buyer they sold to, XXXX XXXX XXXX, XXXX sent me a letter ( attached ) where they boldly and falsely claim to have purchased this debt from the Original Creditor which is an outright lie. This is where I should mention that this same account is still currently being reported on my credit report by XXXX XXXX XXXX who, per my knowledge and per recent XXXX reports, claims to be the current owner of this account and has sold or transferred it to XXXX. I have not been made aware of any transfer or sell of this debt other than XXXX sending me this letter claiming to be the owner of the account and claiming to have purchased the account from the ORIGINAL CREDITOR. Also, note the letter does not state " new '' owner and lists a different name and address for where to send the payment to, a different address/state for the return address and a different name as the Current Creditor. So, who owns the account? Who is the rightful and legal Creditor? This is all very misleading and is obviously a bunch of false representation. I have checked and can not locate any registration in XXXX or XXXX XXXX XXXX, Phoenix Financial Services or any of the names they have listed. And because I know how XXXX, who either sold the debt or transferred it over to this 3rd party, operates, I am taking a proactive approach since I feel like this is being done purposely to either end up being reported and possibly more than likely double-reported on my credit reports or to bully me into paying a debt that was never even validated by the previous debt buyer. Or XXXX. Because I 'd like to avoid XXXX of these things from happening, and because I 've never had this debt validated or the opportunity to validate and because I personally have never done any business with XXXX or Phoenix, etc., I am asking for XXXX XXXX XXXX XXXX XXXX, Phoenix Financial LLC, XXXX etc. to provide the following : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt or services 5. Date of the first delinquency. 6. Date that XXXX purchased this account from the Original Creditor ( as stated in their letter ) and name of original creditor. 7. Verification- # from the XXXX of XXXX that they are registered in XXXX or XXXX, or whatever state they claim to be registered in/with. 8. Full name of the actual and legal debt owner. 9. Whether they purchased the debt, who it was bought from, when, and amount. 10. The name and address of the bonding agent for your collection agency. The requests are being made pursuant to1 5 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation