Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D&A Services, LLC
State: FL

Complaint narrative:
requestting a investigation against XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and D & A Services due to numerous issues regarding an alleged debt. 

XXXXXXXX XXXX XXXX, the alleged creditor, did not provide me with any proof of a personal loan taken out, such as authentic signatures, authorization, or verification. Additionally, XXXX XXXXXXXX XXXX did not inform me in any way that the account was going into default. When I asked why and requested any documentation showing their attempts to reach out to me regarding the account going into default, their response was that they are an online financial institution and do not send out or deal with any mail. I found this odd, as I regularly receive advertisements from this company via mail. 

Despite disputing and requesting verification and documents regarding this account, XXXX XXXX Bank proceeded to sell the account to a debt collector and charged off the account without providing a XXXX form. According to the IRS, any charged-off account is considered income and must be reported at the end of the year. This failure to provide the necessary documentation is a violation of IRS regulations. 

The debt collector, XXXX XXXX XXXX XXXX, then hired another debt collector, D & A Services , LLC, to handle this alleged debt. In my communications with D & A Services, I specifically asked for verification and verified documents, as well as any documents validating this account, including the purchase agreement. The only response I received was a piece of paper with my name on it, without any other details or verified documents. 

I gave D & A Services more than XXXX days to provide the requested documents after our first communication. When they did not respond, I sent a right to cure letter, and still received no response. I then sent a default notice letter. Despite this, XXXX XXXX reported this debt to the XXXX credit agencies ( XXXX, XXXX, and XXXX ) even though my only communication regarding this alleged debt was with XXXX & A Services. 

I have contacted all three major credit reporting agencies, advising them that their reports contain discrepancies and inaccuracies. Despite explaining and providing evidence of these inaccuracies, I was ignored. When I requested further investigation, they responded with generic letters stating that everything was accurate without conducting a proper investigation. I believe these credit agencies did not investigate thoroughly and merely provided a generic response. These inaccuracies have caused me significant harm. Additionally, it is concerning that all three agencies have had data breaches yet deny any issues related to these breaches I have attached documentation supporting my claims, including copies of the letters sent to D & A Services, the insufficient response received, and the credit reports reflecting the damage caused by XXXX XXXX XXXX XXXX 's reporting. I am requesting that the CFPB investigate this matter thoroughly, require XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, and D & A Services to provide proper verification and validation of the alleged debt, and remove any fraudulent and frivolous claims from my credit report. Additionally, I request that the CFPB investigate the credit reporting agencies for their inaccuracies and failure to properly investigate my disputes. Their negligence has caused me significant damage, and it is imperative that this issue is addressed to help me get my life back on track.

Company response to consumer: Closed with explanation