Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Collection Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RECEIVABLE COLLECTION SERVICES , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Second Demand for Validation and Immediate Deletion of Acct # XXXX XXXX Report # XXXX / # XXXX / # XXXX To Whom It May Concern, This is my SECOND FORMAL DEMAND pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, regarding the alleged collection account ( # XXXX ) reported on my XXXX  credit report. Your lack of response to my initial validation request dated XX/XX/XXXX ( sent via certified mail, receipt # XXXX ), constitutes noncompliance, as more than 30 days have passed without providing verifiable documentation. 

Concurrently with this letter, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to validate and the inaccurate reporting of this account. I DEMAND IMMEDIATE VALIDATION with all required proofs or the account 's IMMEDIATE DELETION from all credit reporting agencies, including XXXX, XXXX, and XXXX. Continued noncompliance will lead to further escalation, including complaints to the Federal Trade Commission ( FTC ), the New Jersey Division of Consumer Affairs, and legal action for FCRA and FDCPA violations under 15 U.S.C. 1681n, 1681o, and 1692k, seeking statutory, actual, and punitive damages.

Details of the Dispute : No Response to Initial Request : My XX/XX/XXXX, letter demanded a complete account history, signed agreements, statements, proof of authority to collect/report, and other items. Your silence violates FDCPA 1692g ( b ) ( cease collection until validated ) and FCRA 1681s-2 ( b ) ( reasonable investigation as a furnisher ).

Potential Inaccuracies : The account may stem from broader credit file errors ( e.g., incorrect XXXX XX/XX/XXXX or outdated addresses ), suggesting it's not mine or unverifiable. 
Harm Caused : This collection 's reporting has damaged my credit profile ( e.g., FICO XXXX on XXXX  ), potentially affecting loans, housing, employment, and causing distress/time loss. 

Demands : 1. Immediate validation by providing : o A complete history of the alleged debt, including original creditor details, charges, payments, and fees. 
o Copies of all statements, billing records, and signed contracts bearing my signature. 
o Documentation of any assignments or transfers to your agency. 
o Proof of your legal authority to collect/report.

o Name and address of your bonding agent for potential legal action. 
XXXX. If unable to validate, immediately instruct XXXX, XXXX, and XXXX  to delete the account from my reports due to unverifiability. 
3. Written confirmation of your actions, including copies of deletion instructions to the CRAs, sent to my address above.

4. Compliance within 10 days of receipt, or I will pursue all remedies without further notice. 

Enclosed are copies of my driver 's license, Social Security card, vehicle registrations ( confirming my address and identity ), and the initial XX/XX/XXXX, dispute letter. 
Govern yourself accordingly. 

Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX Enclosures : XXXX. Drivers License, Social Security XXXX, XXXX Registrations. 
2. Initial Dispute Letter ( XX/XX/XXXX ). 
CC : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX of the Attorney General, Division of Consumer Affairs, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Federal Trade Commission, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation