Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Asset Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT XXXX XXXX {$46000.00} To Whom It May Concern, This correspondence serves as a formal dispute and demand for complete legal validation of the above-referenced account currently being reported and/or collected by Asset Recovery Solutions , LLC XXXX I, XXXX XXXX XXXX, do not acknowledge this alleged debt and demand that you cease all collection activity and credit reporting unless and until full validation is provided as required by law. 

As provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) XXXX and XXXX, you are required to produce the following documentation for account # XXXX : The Original Signed Contract or Promissory Note with my wet signaturenot a generic template or electronic record. 
A Binding Agreement that outlines the full terms and conditions under which you claim the right to collect this debt. 
A Full Transactional Flow Sheet or Ledger from the original creditor showing how the balance of {$46000.00} was calculated, including all charges, payments, and interest. 
Proof of Legal Assignment or XXXX XXXX XXXX, including purchase agreements and legal transfer documentation from the original creditor to Asset Recovery Solutions , LLC. 
Proof that this alleged debt is not beyond the Statute of Limitations for collection in the state of Florida, including the last activity date and your calculation basis. 
Proof of your companys license to collect in Florida, including license number and name of the issuing regulatory body. 
The full name, department, and direct contact information of the individual who verified this account with any consumer reporting agency. 
A sworn affidavit or written statement confirming that no automated dispute system such as e-OSCAR was used to verify this debt, as such systems do not satisfy the FCRAs reinvestigation standards. 
Let me be clear : a bill, data spreadsheet, or summary does not constitute legal validation. If you fail to produce all documentation listed above, you must : Immediately delete this account from all consumer reporting agencies ( XX/XX/XXXX ) Cease all further collection and communication efforts If you do not respond with proper validation within XXXX calendar days, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office Initiate civil litigation and seek statutory damages for each violation of FDCPA, FCRA, and UCC protections Under UCC 1-308, I reserve all rights without prejudice. This is your final legal notice to comply. 

Sincerely, XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation