Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
This complaint is specifically about Qualia Collection Services, XXXX XXXX XXXX, XXXX, CA XXXX, attempting to collect a debt that was furnished to them by XXXX XXXX XXXX XXXX inaccurately , incompletely, and without proper validation. 
The information Qualia received from XXXX is false, unverified, and not legally compliant under the FCRA, FDCPA, and XXXX XXXX reporting standards. 
XXXX provided false and misleading information to Qualia. 
In XXXX own written BBB response ( dated XX/XX/year> ), they admitted : I moved out early due to personal safety concerns in the unit. 
I submitted multiple service/maintenance requests shortly after move-in. 
They claim the balance is early termination fees, but provided no documentation proving how they calculated it. 
They acknowledged my safety difficulties and expressed empathy. 
These admissions demonstrate that XXXX did not deny : Safety issues, Habitability problems, Unresolved concerns in the unit, Their failure to document my ongoing complaints. 
Despite these facts, XXXX still transmitted unverified debt information to Qualia Collection Services XXXX 
Qualia began collections without legally required validation.

Qualia attempted to collect this alleged balance without providing FDCPA-required validation, including : A complete itemized ledger A copy of the signed lease showing fee liability The formula used to calculate early termination fees Move-in/move-out documentation Maintenance and safety logs Proof the unit was habitable at move-in Qualia is responsible under FDCPA 809 ( b ) to cease all collection activity until proper validation is provided.

They have not done so.

Qualia is attempting to collect on information that is NOT XXXX XXXX compliant. 
Under CDIA XXXX XXXX standards, a debt collector can not furnish or attempt to furnish information unless : The creditor provided complete documentation The debt is legally verifiable The consumers liability is proven Every required XXXX XXXX data field can be accurately supported Records exist to substantiate the tradeline XXXX gave Qualia none of the required documentation.

Therefore, Qualia is holding and attempting to collect a debt that is : Unverified Unsubstantiated Not legally reportable Not accurately documented Not XXXX XXXX compliant Summary of events : The unit was not safe or habitable, as XXXX acknowledged indirectly. 
XXXX provided incomplete and misleading information to Qualia.

Qualia failed to obtain or provide FDCPA-required validation.

Qualia is attempting to collect on a debt that can not be verified under FCRA or XXXX XXXX standards. 
No legal documentation has ever been provided to support or justify these charges. This amounts to false, inaccurate, and unlawful furnishing of information to a debt collector and potential reporting to consumer reporting agencies. I was a documented victim assisted by the California XXXX XXXX XXXX, which approved and agreed to pay my move-in costs and reimburse relocation expenses for my safety. XXXX Apartments accepted and used the only funds I had my victim compensation payment to complete the move-in, my bank statement reflected on. I am still awaiting the reimbursement that was approved. I moved into XXXX under this program, but the unit was dirty, unsafe, missing window screens, and located in an area I did not request. There were theft issues and safety concerns throughout the building, I reported too. XXXX assured me multiple times, by phone and email, that I would not be charged anything and that nothing would appear on my credit. Despite these assurances, I am now being contacted by a debt collector for charges I do not owe. I can not afford for this to harm my credit, especially when the charges remain unvalidated, the living conditions were unsafe, I am homeless, and I was explicitly told the account would never go to collections.

Company response to consumer: Closed with explanation