Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: OK

Complaint narrative:
Company- XXXX XXXX  XXXX Amount- {$2300.00} Actions : I started disputing this account last year when I saw it on my credit reports. This company has not provided a shred of documentation as required by law to validate and verify this debt. I have requested this information MULTIPLE times. I only received a response after I sent a certified letter to the CEO ( and other Executives ), as well as a follow-up email that I sent to him directly. After further research online and information from my credit reports, I noticed that the are debt buyers and have purchased this debt illegally ( based on what I can gather from my credit reports ). Again, I have received nothing from them in regards to documentation. I contacted the CEO of the company recently and was still not able to gather any information as required per law. I am disputing every aspect of this alleged debt, as I have been provided nothing. ( Please see attached correspondence from CEO ). He advised me to contact Spot Loans. It is not my responsibility to verify information for something that they illegally purchased and that I did not know about. Not sure how I am supposed to contact Spotloans, as I have absolutely nothing to go by and do not have any business with them. Also he mentioned in the attached email that a 3rd party was supposed to send me information about them buying this alleged debt from XXXX loans. It looks like whoever they hired did not do their jobs. XXXX is still responsible for following the law regarding alleged debt collection so that I have a chance to dispute the information, seek validation and verification. Per his admission ( attached email ), they violated that provision of law. XXXX needs to provide proof that this information was mailed to me. They never validated the debt, and never provided any verification. The FDCPA requires that they send a minimum set of information during the validation process. They did not send this and instead relied on a 3rd party who did not do their jobs. 

The company acquired this illegal debt from XXXX XXXX ( as listed on my credit report ). I am disputing this account, as I am not familiar with it. This company XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX illegally sold this alleged debt to XXXX. XXXX has illegally verified this debt as valid, after several attempts from me to get proof that this is my account and validation and verification. Please see attached information regarding this. XXXX XXXX XXXX aka XXXX loans was involved in a class action suit and lost. They are illegally selling and reporting this alleged illegal debt on my credit report. I will also be filing complaints with the Better Business Bureau, and the attorney general for the State of Texas ( XXXX XXXX XXXX ) and North Dakota ( Spot Loans ). As well as I the ACA International as they are in violation of the Ethical Code of Conduct, the Better Business Bureau, CFPB, the XXXX as they are in violation of their Code of Ethics for membership. This company is also in violation of XXXX XXXX XXXX XXXX, XXXX and XXXX. As such, I am entitled to appropriate remedies under the law. 

Federal case # for reference : Turner, et al. v. ZestFinance Inc., et al., Case No. 3:19-cv-00293, in the U.S. District Court for the Eastern District of Virginia .

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