Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: MA

Complaint narrative:
I. BACKGROUND & ACCOUNT DETAILS On XX/XX/year>, I received a debt collection communication from Eastern Account System of Connecticut , Inc. claiming I owed {$170.00} to XXXX XXXX XXXX for a service account at XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 
Account details : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Creditor Account # : XXXX Claimed Balance : {$170.00} Original Service Address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( my short-term rental property ) My correct mailing and business address is : XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX. EASTERN 'S INITIAL DEFECTIVE NOTICE Eastern 's XX/XX/year> email stated : " We are a collection agency. More than XXXX days ago we sent you a letter on behalf of the above mentioned client. Since you did not respond to the letter, we are assuming the debt is valid. As a result, information regarding your account has been reported to a credit bureau. '' This initial notice was sent to the service address ( XXXX XXXX XXXX XXXX, XXXX ), which is a short-term rental property where I do not reside and do not receive mail. My designated billing address is XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX. 
Critically, Eastern 's own XX/XX/XXXX email was successfully delivered to my correct email address ( XXXX ), proving that Eastern had access to my correct contact information. Despite having my correct email address on file, Eastern failed to use it for the initial debt collection notice. 
XXXX. FORMAL DISPUTE LETTER ( XX/XX/year> ) On XX/XX/year>, I sent Eastern a formal dispute letter invoking my rights under 15 U.S.C. 1692g ( a ). That letter : Formally disputed the entire alleged debt Cited 15 U.S.C. 1692g ( b ) requirement to cease collection activity Demanded written verification of the debt Demanded cessation of collection activity Demanded correction of credit bureau reporting IV. CRITICAL VIOLATION : FAILURE TO CEASE COLLECTION ACTIVITY On XX/XX/year> XXXX days after receiving my formal dispute notice Eastern sent another email : " Eastern Account System, Inc. has provided your statement below. '' This email constitutes CONTINUED COLLECTION ACTIVITY in direct violation of 15 U.S.C. 1692g ( b ), which mandates : " If the consumer notifies the debt collector in writing within the XXXX-day period ... that the debt, or any portion thereof, is disputed, ... the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt and a copy of the verification or judgment is mailed to the consumer. '' Eastern had been explicitly told on XX/XX/year> to stop collecting. Eastern did not stop. This is a clear, unambiguous violation of federal law. 
XXXX EASTERN 'S FAILURE TO PROVIDE VALID VERIFICATION Eastern 's XX/XX/XXXX email provided only the original XXXX bill from XX/XX/year>. This FAILS to constitute valid " verification '' under FDCPA standards because it does not prove : That Eastern owns or has any legal right to collect the debt That XXXX assigned or sold this debt to Eastern That the amount is accurate or properly calculated That any prorated credit was properly applied Additionally, the XXXX bill itself contains mathematical inconsistencies and raises serious questions about the legitimacy of the claimed balance. 
VI. UNLAWFUL CREDIT BUREAU REPORTING Eastern 's XX/XX/XXXX email explicitly states : " information regarding your account has been reported to a credit bureau. '' This reporting violates FDCPA 1692e ( 8 ) and FCRA 1681s-2 because : I disputed this debt on XX/XX/year>. Any subsequent reporting without marking the account as " DISPUTED '' violates FCRA 1681s-2 ( b ). 
The initial notice was sent to a service address, not my correct address. Eastern can not rely on a defective notice to justify credit bureau reporting.

Eastern falsely represented the debt as valid based on my failure to respond to a letter I never received. 
XXXX. PATTERN OF VIOLATIONS & IMPACT Eastern 's conduct demonstrates a systematic pattern of violations : Defective initial notice ( sent to wrong address ) False assumption of debt validity based on non-receipt of defective notice Unauthorized credit bureau reporting Failure to cease collection upon timely dispute Failure to provide valid verification Inadequate documentation supporting claimed debt These violations have caused harm including credit reporting damage, time and stress, and ongoing collection pressure despite disputed status.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation