Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: IL

Complaint narrative:
Subject : Formal Complaint Against Aspen Collection for Failure to Validate Debt and Improper Practices Dear CFPB Representative, I am filing this formal complaint against Aspen Collection Agency due to their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and their ongoing improper handling of a disputed debt. Despite multiple attempts through debt validation requests, XXXX complaints, and a previous CFPB complaint, Aspen Collection has failed to provide sufficient documentation validating their legal right to collect this alleged debt.

Below, I detail specific violations committed by Aspen Collection and the remedial actions I am requesting. 

Summary of the Complaint Debt in Dispute : An alleged debt linked to XXXX XXXX XXXX XXXX, being collected by Aspen Collection.

Aspens Failure to Validate Debt : Aspen Collection has not provided any legitimate documentation proving that the alleged debt belongs to me or that they have the legal right to collect it.

Violations by Aspen Collection 1. Violation of FDCPA 809 ( b ) Failure to Validate Debt Aspen Collection has failed to provide a copy of any original signed agreement or contract demonstrating my obligation to this alleged debt. 
Their response includes generic documents, such as summaries or attachments, but lacks : My wet signature or legally binding agreement with the original creditor. 
Any proof of assignment or sale of the debt to Aspen Collection.

A complete breakdown of the charges or accounting history leading to the alleged balance.

2. Violation of FDCPA 807 ( 2 ) ( A ) Misrepresentation of the Debt Aspen Collections lack of documentation makes their claim of debt ownership unverifiable and potentially deceptive. 
They have not disclosed whether they have legal authorization to collect debts in Illinois, further casting doubt on their legitimacy.

3. Violation of FCRA 623 Reporting Inaccurate or Unverified Information Aspen Collection continues to report this debt to credit bureaus without proper validation.

This violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to ensure that all reported information is accurate and complete. 
XXXX has already removed this debt for being unverifiable, highlighting Aspens failure to substantiate their claims. 

XXXX. Failure to Provide a XXXX or Proof of Debt Forgiveness If the alleged debt was written off or forgiven by the original creditor, Aspen Collection must provide evidence such as a XXXX form. 
No such document has been provided, raising further concerns about their practices. 

XXXX. Failure to Cease Collection During Dispute Despite being informed that the debt is disputed, Aspen Collection has continued collection efforts without validating the debt.

This violates the FDCPA and disregards my rights as a consumer.

Conclusion Aspen Collection has demonstrated a pattern of noncompliance and negligence in their handling of this matter. Their failure to provide adequate debt validation and continued reporting of unverifiable information has caused significant harm. I respectfully request the CFPB to act swiftly to hold Aspen Collection accountable and ensure compliance with federal laws. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief