Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a debt validation request to Receivables Management Partners , LLC ( RMP ) regarding a debt related to services from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I requested that RMP provide the necessary documentation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked for : The name and address of both the original and current creditor. 
A detailed breakdown of the debt, including any signed agreements or contracts related to the debt. 
Payment history and a clear explanation of how the amount claimed was calculated. 
Proof that the debt was assigned to RMP, including any documentation showing its transfer from the original creditor. 
Additionally, I requested that RMP cease all collection activities until the debt could be validated and ensure that the debt was not reported to any credit bureaus while the matter was in dispute. 

On XX/XX/XXXX, RMP responded by stating that the account had been flagged as disputed and that they had requested debt validation from their client, XXXX XXXX XXXX XXXX However, they failed to provide any supporting documentation to validate the debt within the legally mandated 30-day period under FDCPA 809 ( b ). 

Furthermore, RMP indicated that they requested the account be removed from the major credit bureaus but provided no proof or timeline for this. As of today, I have not received confirmation that this account has been removed from my credit report. Under FCRA 611 ( a ) ( 1 ), disputed debts should not remain on a consumers credit report while under dispute. 

I also requested that RMP explain the permissible purpose under which they accessed my credit report, as required under the Fair Credit Reporting Act ( FCRA ), but I have yet to receive any explanation or formal response on this matter. 

Dates and Actions Taken : XX/XX/XXXX : Submitted a formal debt validation request to RMP under the FDCPA. 
XX/XX/XXXXXXXX : RMP responded, acknowledging the dispute but failed to provide validation or proof of removal from credit reporting agencies. 
XX/XX/XXXX : Provided feedback on the companys response, noting the lack of validation and lack of action on removing the account from my credit report. 
What I Expect : I am requesting that RMP : Provide full debt validation, including a detailed breakdown of the debt and legal proof of assignment, within 30 days. 
Ensure the immediate removal of all negative information related to this debt from my credit report, as required by law. 
Provide a formal explanation for accessing my credit report without proper validation of the debt. 
Cease all further collection activities unless they can fully validate the debt. 
Failure to provide this documentation or failure to act in accordance with the FDCPA and FCRA will result in additional legal action and further complaints with the CFPB and Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation