Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Account Number ; XXXX To Whom It May Concern : I am in receipt of your communication regarding the above-referenced account. I dispute this alleged debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a formal notice that I dispute the validity, accuracy, and completeness of the alleged debt. This correspondence is not a refusal to pay, an acknowledgment of liability, nor a promise to pay. All rights are expressly reserved. Please provide competent evidence that I have a legal obligation to pay this debt, including : 1. The name and address of the original creditor. 2. The original account number. 3. The date the account was opened. 4. The date of default. 5. A complete itemization of the amount claimed, including principal, interest, fees, penalties, and any other charges. 6. A complete payment history on the account. 7. Copies of any contract, agreement, application, or instrument bearing my signature that created the alleged obligation. 8. Documentation demonstrating your legal authority to collect this debt, including any assignment, purchase agreement, or chain of title establishing ownership of the account. 9. Documentation demonstrating that the alleged debt is within the applicable statute of limitations. Furthermore, if you are furnishing information concerning this account to any consumer reporting agency, I dispute the accuracy and completeness of that information. As a furnisher of information, you are subject to the requirements of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2. Should you receive notice of this dispute from a consumer reporting agency, you are required to : Conduct a reasonable investigation of the disputed information ; Review all relevant information provided regarding the dispute ; Additionally, pursuant to 15 U.S.C. 1681i, any information reported to a consumer reporting agency that can not be verified through a reasonable investigation must not continue to be reported as accurate. If you can not provide the requested validation and verification, I demand that you : 1. Cease all collection activity regarding this account ; 2. Cease furnishing information concerning this account to any consumer reporting agency ; and 3. Request ( Deletion ) of any tradeline associated with this account that is being reported without sufficient verification. Please provide all requested documentation and correspondence in writing. Telephone contact is inconvenient and unnecessary. I request that all future communications regarding this matter be made in writing. Failure to comply with applicable provisions of the FDCPA and FCRA may constitute violations of federal law, and I reserve the right to pursue all remedies available under state and federal law. IF YOU DO NOT CEASE COMMUNICATION, A LAWSUIT WILL BE FILLED AGAINST YOU. This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. I look forward to your timely response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation