Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
DEBT RECOVERY SOLUTIONS ( XXXX ) Subject : Debt Recovery Solutions Reporting Fraudulent Account, Re-Aging, Inaccurate Information, and Failure to Validate in Violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA To Whom It May Concern : This complaint concerns a fraudulent and inaccurate collection account reported by Debt Recovery Solutions ( XXXX  ) between XX/XX/XXXX and XX/XX/XXXX, allegedly owed to Purpose Financial. This tradeline appeared without notice, without validation, and contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The account does not appear on Experian and is only present on Equifax and TransUnion, indicating inconsistent, unverifiable, and fraudulent reporting. 

1. UNAUTHORIZED COLLECTION ACCOUNT IDENTITY THEFT ( FCRA 605B ) This collection account : was never authorized was never opened by me was never validated appeared suddenly between XX/XX/XXXX and XX/XX/XXXX does not appear on XXXX  contains inaccurate and inconsistent data Under 15 U.S.C. 1681c-2, I have the right to block items resulting from identity theft.

This account qualifies as fraudulent.

2. FAILURE TO VALIDATE THE DEBT FDCPA 1692g I did NOT receive : initial notice a dunning letter validation of debt proof of ownership proof of assignment ANY written communication Under FDCPA 1692g ( a ) and ( b ), collection activity must cease until validation is provided. XXXX has illegally reported the debt with
out providing validation.

3. RE-AGING OF ACCOUNT FCRA 1681c ( a ) ( 4 ) The Date of First Delinquency ( DOFD ) reported is : incorrect inconsistent not tied to any legitimate account Furnishing a false DOFD is illegal because it : extends the reporting period artificially damages my credit constitutes deceptive reporting This violates both : FCRA 1681c ( a ) ( 4 ) ( accurate DOFD required ) FDCPA 1692e ( prohibition on false representations ) 4. BALANCE INACCURACY & MISCLASSIFICATION FCRA 1681e ( b ) The balance reported is : inconsistent with industry standards unsupported by any contract not validated inconsistent across bureaus FCRA 1681e ( b ) requires maximum possible accuracy.

This reporting fails that standard and is misleading.

5. CROSS-CRA INCONSISTENCY CLEAR EVIDENCE OF VERIFICATION FAILURE The account : appears on XXXX appears on XXXX does NOT appear on XXXX This is a major red flag indicating : lack of validation inconsistent furnisher reporting incomplete investigation inaccurate data handling violation of 1681s-2 ( b ) evidence of willful inaccuracy Case law ( for your knowledge ) : XXXXXXXX XXXX XXXX  XXXX and furnishers must conduct reasonable, not superficial, investigations. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX must ensure accuracy and correct errors across all CRAs. 

XXXX has not done so. 

6. FAILURE TO PROVIDE LEGALLY REQUIRED NOTICE OF COLLECTION I never received : a call an email a letter an initial notice a right-to-dispute disclosure This violates : FDCPA 1692g ( notice within 5 days ) FDCPA 1692e ( 10 ) ( deceptive means ) FCRA 1681e ( b ) ( accuracy )

Company response to consumer: Closed with explanation