Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Falls Collection Service Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the actions of FINANCIAL CONTROL SERVICE in relation to an alleged debt they claim I owe. Despite numerous requests, FINANCIAL CONTROL SERVICE has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report. Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that FINANCIAL CONTROL SERVICE are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I dispute owing all debts to XXXX XXXX XXXX XXXX and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request that FINANCIAL CONTROL SERVICE provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim. 2. The purchase agreement between FINANCIAL CONTROL SERVICE and XXXX XXXX XXXX XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows FINANCIAL CONTROL SERVICE to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX XXXX XXXX XXXX and FINANCIAL CONTROL SERVICE, because it will state FINANCIAL CONTROL SERVICE purchased this debt with the knowledge of this account not being XXXX XXXX accurate, as well without my consent to purchase, and last but not least this negative item is not following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of validity of this being reported on my personal consumer report. 3. Furnish proof of licensing and bonding to operate as a debt collector in the state of Illinois. 4. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. If in fact, if FINANCIAL CONTROL SERVICE believes they have provided proper notification please provide a copy of certified mail receipt. I am requesting you provide the receipt because the date of mail will be XXXX days prior to the item being reported. Not only will my signature be present on the agreement but it will support that FINANCIAL CONTROL SERVICE took proper procedures giving me the opportunity to properly address this item being reported on my personal consumer report. If you can not provide this information, please remove this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation