Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: URS Holding, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I received a voicemail on my personal cell phone from a robodialer that said my name, then said " Please press any key to speak to a licensed mediation XXXX regarding your case. Once again, please press any key to speak to a licensed mediation XXXX regarding your case. '' At XXXX, I received an identical voicemail on the phone number I use for my small photography business. 

At XXXX, I called them back from my photography business phone, and the woman who answered greeted me by name, and identified herself as XXXX XXXX XXXX a paralegal with the law firm of " XXXX XXXX XXXX XXXX XXXX '' She claimed I owed a debt from XXXX of {$720.00} to XXXX that she claimed I had defaulted on, and they had hired her firm to collect. I have never had a line of credit with XXXX, or any other bank. She listed my old address and my current address, and I told her the debt was not mine, and even if it was, it's way past the deadline to try to collect. ( XXXX years in my state. ) She then said it was " 7 years for credit and 14 years for civil court '' which is, of course, a lie. She then started rattling off something about not moving forward with voluntary mediation, and that I prefer to be served, and I said " Yes, absolutely, please serve me. '' She then started rattling off a long string of numbers, and said if I'd like to call back with the name and number for my attorney, and I said I don't think that will be necessary. She then hung up on me. 

I called the number back several times and told the various people who answered that I would like to talk to them about their FDCPA violation, and said if they ever contacted me again, I would see them in court. They hung up on me repeatedly, until I finally ended up on the phone with XXXX guy who was an absolute jerk who said I talked too much and he would remove me from the system. 

At XXXX, I received a text message from ( XXXX ) XXXX that read " ( My name in all caps ) we need to speak with you about a matter that requires your immediate attention. Please return our call at XXXX. '' I searched XXXX for " XXXX XXXX XXXX XXXX '' and found no evidence of such a law firm. I then waited until after business hours and called the number back. It went to a voicemail message for " XXXX XXXX XXXX. '' The number they called me from originally was ( XXXX ) XXXX. I Googled " XXXX XXXX XXXX '' and found a website at unitedrecovery.net, and another phone number - ( XXXX ) XXXX. I called that number and got the exact same outgoing voicemail for XXXX XXXX XXXX. I then called the number I'd been directed to call in the text message ( XXXX ) XXXX, and the number the text came from ( XXXX ) XXXX. All of them went to the same voicemail for XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX, I received a voicemail from ( XXXX ) XXXX that said " This is a message from XXXX XXXX XXXX XXXX This is an important message. Please return our call at your earliest convenience by dialing the number that appeared on your caller ID to connect with a live representative handling your account. Thank you. '' I called them back at XXXX, and the man I spoke with claimed the debt I had been contacted about on XX/XX/XXXX had been transferred to them, and the alleged debt was now a XXXX credit card, not a line of credit. ( I have also never had a XXXX credit card. ) This gentleman asked what my intentions are toward the debt, I informed him I have no intentions toward it because it's not mine. This collector said the balance is {$1200.00} and he said the debt is negotiable. 

Our conversation continued for a while, and this guy said the debt was from XXXX. ( XXXX XXXX said XXXX. ) I then explained that I know the statute of limitations for collection, and to this guy 's credit, he acknowledged that. 

I tried probing him a bit about any possible connection to XXXX XXXX XXXX, and he was quite talkative. Eventually, I advised him to stop contacting me because he had XXXX chance of collecting anything from me, and I said the only possible outcome was I would end up suing his firm for harassment and debt collection violations. 

He then basically tried to coerce me into paying " something '' to make the calls stop, and he basically said they never would unless I paid them something. 

After hanging up with him, I found XXXX XXXX XXXX on the web at sterlingcoresvc.com. Unlike XXXX XXXX XXXX, their website has an address : XXXX XXXX XXXX, Unit XXXX XXXX XXXX, NJ XXXX I searched the address on XXXX, and it's an apartment building. 

On XX/XX/XXXX at XXXX, I called XXXX XXXX XXXX XXXX ( XXXX ) XXXX, let them know that I was very displeased that I was now receiving calls from another collection agency about this debt and again asked for their mailing address, which again, they refused to provide. The woman I spoke with said she would need to get someone else to talk to me, and put me on a long hold. After some time, I hung up. 

At XXXX, I received a voicemail from ( XXXX ) XXXX, that said the following " Hello ( my name ) social ending in ( she said the last XXXX of my SSN ) I did pull up your file after you disconnected the call, and it does show that we've communicated with you since early XXXX, that you have been documented as communicating threats, combative and non-compliant. At this point in time, what we're going to do is move forward with an order of location and have you served at your ( city I live in ) address. We have documented your place of employment and your work information, that way we can reach out that way as well. What you're being pursued for is a judgment, over the XXXX line of credit that was issued to you, card ending in XXXX. It was defaulted in the balance of {$1700.00}. You owe that balance by Friday, otherwise you would have to go to court. My direct number is ( XXXX ) XXXX. You do have until Friday to pay your balance in full. Good luck. '' A few things - I have screenshots of all text messages, and timestamps for all voicemails. I have the voicemail recordings stored securely. I also live in a one-party recording state, and have very clear recordings of every phone call, which I'm more than happy to provide to law enforcement. 

I should also note that everyone I've spoken with at XXXX XXXX XXXX sounds like an average American, and the background noise on the calls sounds like a call center. The calls from XXXX XXXX XXXX, both the voicemail and live call, sound like a call center overseas. 

In researching this, I came across the list of banned debt XXXX on the FTC website, and read some of the accounts. The case against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX detailed the exact same tactics that XXXX XXXX XXXX has employed against me. 

I would be pleased to offer any support I can in stopping the abusive practices of XXXX XXXX XXXX, and helping the FTC secure a similar outcome against them.

Company response to consumer: Untimely response