Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: WA

Complaint narrative:
Subject : Formal Debt Validation Demand and Notice of FCRA & FDCPA Violations To Whom It May Concern, I am writing in response to your reporting and/or attempted collection of an alleged debt associated with my personal information. This letter serves as a formal demand for validation of the alleged account pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). At this time, I dispute this alleged debt in its entirety. You are hereby required to provide full validation of the alleged obligation, including but not limited to : 1. The name and address of the original creditor. 2. The original account number and the current account number used by your company. 3. A complete itemization of the alleged balance, including principal, interest, fees, and charges. 4. A copy of the original signed contract or agreement bearing my signature that created the alleged obligation. 5. Documentation proving that your company has the legal authority and assignment to collect this alleged debt. 6. Proof that the statute of limitations has not expired. 7. A complete chain of title for the debt showing every transfer of ownership. If you are unable to provide the above documentation, you must immediately cease all collection activities and permanently remove this account from your system and from all consumer reporting agencies. Be advised that reporting information to credit bureaus without possessing proper validation constitutes furnishing inaccurate information, which is a direct violation of the Fair Credit Reporting Act. Furthermore, continued collection attempts or credit reporting of an unvalidated debt may constitute violations including but not limited to : Reporting inaccurate or unverified information under FCRA 623 Failure to properly investigate disputed information under FCRA 611 Misrepresentation of the character or legal status of a debt under FDCPA 807 Continuing collection activity without validation under FDCPA 809 If this account has been reported to any consumer reporting agency, including XXXX, XXXX, or XXXX, you are required to mark the account as disputed immediately. Failure to comply with this request will leave me no option but to pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state Attorney General, as well as seeking civil damages for each violation. You have 30 days from receipt of this letter to provide the requested validation. If you fail to do so, you must delete this account from your records and ensure it is removed from all credit reporting agencies. This letter is sent without acknowledging any liability for the alleged debt. Govern yourself accordingly. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief