{"took":218,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5929,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7506650","_score":16.320057,"_source":{"product":"Debt collection","complaint_what_happened":"I received an letter from the resurgent capital services company that was supposed to verify debt but the letters do not include An end date for a 30-day period when you can dispute the debt it also doesnt mention That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid they also dont have the full account number only the last four digits","date_sent_to_company":"2023-09-06T11:41:54.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"628XX","tags":null,"has_narrative":true,"complaint_id":"7506650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-09-06T11:17:49.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I received an letter from the resurgent capital services company that was supposed to verify <em>debt</em> but the letters do not include An end date for a 30-day period when you can <em>dispute</em> the <em>debt</em> it also doesnt mention That you can <em>dispute</em> the <em>debt</em> and that if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid they also <em>dont</em> have the full account number only the last four digits"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[16.320057,"7506650"]},{"_index":"complaint-public-v1","_id":"6457995","_score":15.9964695,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2023, I was notified by phone that a debt collection agency ( SOUTHWEST RECOVERY SERVICES ) was attempting to contact me regarding an outstanding utility bill in XXXX. I informed them this was identity fraud. I emailed them a police report. \n\nOn XX/XX/2023, they submitted the debt for collection on my credit report. \n\nThey gave me no information regarding my rights. They gave me no information regarding : The name of the creditor The amount owed That you can dispute the debt and that if you dont dispute the debt within XXXX  days the debt collector will assume the debt is valid That if you dispute the debt in writing within XXXX  days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within XXXX  days, if different from the current creditor, the debt collector will provide you that information","date_sent_to_company":"2023-01-19T14:06:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"074XX","tags":null,"has_narrative":true,"complaint_id":"6457995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Recovery Services, Inc.","date_received":"2023-01-19T13:58:46.000Z","state":"NJ","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["They gave me no information regarding : The name of the creditor The amount owed That you can <em>dispute</em> the <em>debt</em> and that if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> XXXX  <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid That if you <em>dispute</em> the <em>debt</em> in writing <em>within</em> XXXX  <em>days</em> the <em>debt</em> collector will provide verification of the <em>debt</em> That if you request the name and address of the original creditor <em>within</em> XXXX  <em>days</em>, if different from the current creditor, the <em>debt</em> collector will provide you that information"],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[15.9964695,"6457995"]},{"_index":"complaint-public-v1","_id":"3208129","_score":15.880672,"_source":{"product":"Debt collection","complaint_what_happened":"I already complained to XXXX because they added this to my file without notifying me. I asked for a verification and all they sent me was a vague letter with 6 months of bills for 4 phone lines when I only had 2. According to the CFPB there criteria which are required by law when sending a notice like this. \n\nThe name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. \n\nThe last bullet point wasn't included on this vague letter. I received the letter on the XX/XX/XXXX and it has been over 5 days. XXXX XXXX is required by law to clarify that within 5 days of initial contact. \n\nI have attached the letter for verifcation","date_sent_to_company":"2019-04-10T21:28:12.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"755XX","tags":null,"has_narrative":true,"complaint_id":"3208129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2019-04-10T21:12:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["The name of the creditor The amount owed That you can <em>dispute</em> the <em>debt</em> That if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid That if you <em>dispute</em> the <em>debt</em> in writing <em>within</em> 30 <em>days</em> the <em>debt</em> collector will provide verification of the <em>debt</em> That if you request the name and address of the original creditor <em>within</em> 30 <em>days</em>, if different from the current creditor, the <em>debt</em> collector will provide you that information."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Other <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[15.880672,"3208129"]},{"_index":"complaint-public-v1","_id":"5884272","_score":15.843515,"_source":{"product":"Debt collection","complaint_what_happened":"I was never given information That I could dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid. I was never contacted I just checked my credit report and found the collection on my credit report.","date_sent_to_company":"2022-08-16T18:52:19.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"290XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5884272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2022-08-16T18:37:36.000Z","state":"SC","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I was never given information That I could <em>dispute</em> the <em>debt</em> and that if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid. I was never contacted I just checked my credit report and found the collection on my credit report."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[15.843515,"5884272"]},{"_index":"complaint-public-v1","_id":"3796363","_score":15.739092,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2020, I received notification from Professional Recovery consultants, Inc that they were attempting to collect a debt in the  amount of {$2500.00}. \n\nProfessional Recovery Consultants DID NOT provide the following : The name of the creditor That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information If the debt collector doesn't provide this information when it first contacts you, the debt collector is required to send you a written notice including that information within five days of first contacting you. \n\nTo my understanding : Any debt collector who contacts you claiming you owe money on a debt is required by law to tell you certain information about the debt Please note : I have attached a copy of the correspondence sent by Professional Recovery Consultants as  proof of this violation.","date_sent_to_company":"2020-08-14T18:18:02.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"30144","tags":null,"has_narrative":true,"complaint_id":"3796363","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Recovery Consultants, Inc.","date_received":"2020-08-14T17:55:21.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Professional Recovery Consultants DID NOT provide the following : The name of the creditor That you can <em>dispute</em> the <em>debt</em> and that if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid That if you <em>dispute</em> the <em>debt</em> in writing <em>within</em> 30 <em>days</em> the <em>debt</em> collector will provide verification of the <em>debt</em> That if you request the name and address of the original creditor <em>within</em> 30 <em>days</em>, if different from the current creditor, the <em>debt</em> collector will provide you that information"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Other <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[15.739092,"3796363"]},{"_index":"complaint-public-v1","_id":"14274267","_score":15.6975975,"_source":{"product":"Debt collection","complaint_what_happened":"They never sent me debt validation as required by law. I don't acknowledge and debt because I don't owe it. They didn't provide me with an itemized bill, proof I owe the debt, proof they own the debt. They have called me repeatedly with intent to annoy and harass. Below is a list of things they haven't provided me with before calling. \n\nAccount Number The right to dispute the debt within 30 days. \nIf you dispute the debt, the collector must obtain verification of the debt and mail it to you. \nIf you request it within 30 days, they must provide the name and address of the original creditor if different from the current creditor. \n\nThey are in violation of the following Fair Debt Collection Practices Act 806. Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.\n\n( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.","date_sent_to_company":"2025-06-30T14:00:33.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"08879","tags":null,"has_narrative":true,"complaint_id":"14274267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Patient Accounting Service Center","date_received":"2025-06-25T19:14:40.000Z","state":"NJ","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["They never sent me <em>debt</em> validation as required by law. I <em>don't</em> acknowledge and <em>debt</em> because I <em>don't</em> owe it. They didn't provide me with an itemized bill, proof I owe the <em>debt</em>, proof they own the <em>debt</em>. They have called me repeatedly with intent to annoy and harass. Below is a list of things they haven't provided me with before calling. \n\nAccount Number The right to <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em>. \nIf you <em>dispute</em> the <em>debt</em>, the collector must obtain verification of the <em>debt</em> and mail it to you."],"product":["<em>Debt</em> collection"]},"sort":[15.6975975,"14274267"]},{"_index":"complaint-public-v1","_id":"3346958","_score":15.652589,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX, CEO has failed to send me a copy of the documents that they used to validate the alleged debts on my credit profile as required by law. \n\nI never receive a notice from either collection agency. I have never been in communication with the collection agencies by or mail. \n\nDebt Validation is Time-Sensitive Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. If the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days. \n\nIf you dont dispute the debt in writing within 30 days, the debt collector has the right to assume the debt is valid. During the 30-day period, the collector can continue attempts to collect the debt from you until it receives your validation request.","date_sent_to_company":"2019-08-22T11:50:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85260","tags":null,"has_narrative":true,"complaint_id":"3346958","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-08-20T20:14:51.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This notice will state your right to <em>dispute</em> the validity of the <em>debt</em> <em>within</em> 30 <em>days</em>. The FDCPA allows the collector to include the <em>debt</em> validation notice in the initial communication if that communication is a letter. If the <em>debt</em> collectors first communication with you is a phone call, you should receive a <em>debt</em> validation letter from them <em>within</em> five <em>days</em>. \n\nIf you <em>dont</em> <em>dispute</em> the <em>debt</em> in writing <em>within</em> 30 <em>days</em>, the <em>debt</em> collector has the right to assume the <em>debt</em> is valid."]},"sort":[15.652589,"3346958"]},{"_index":"complaint-public-v1","_id":"6457550","_score":15.188266,"_source":{"product":"Debt collection","complaint_what_happened":"First in their letter dated XX/XX/2023, A.R.M. Solutions claims to be a debt collector on behave of XXXX. They did not state these requirements : - That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid - That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt I had a propane tank removed by XXXX from my property. It was on the property when I purchased it. Since they removed their tank, they are saying that I owe them for removal. I never agreed to this nor signed any contract and told them that I would not pay. They tried to tell me that I have to abide by their rules that they sent me after I disputed their bill. I told them I never agreed to them nor signed the contract they sent me.","date_sent_to_company":"2023-01-20T00:01:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"6457550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"A.R.M. Solutions, Inc.","date_received":"2023-01-19T23:38:49.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Solutions claims to be a <em>debt</em> collector on behave of XXXX. They did not state these requirements : - That you can <em>dispute</em> the <em>debt</em> and that if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid - That if you <em>dispute</em> the <em>debt</em> in writing <em>within</em> 30 <em>days</em> the <em>debt</em> collector will provide verification of the <em>debt</em> I had a propane tank removed by XXXX from my property. It was on the property when I purchased it."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.188266,"6457550"]},{"_index":"complaint-public-v1","_id":"9214936","_score":14.926196,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I REQYESTED XXXX XXXX XXXX XXXX XXXX GIVE ME THIS INFORMATION When debt XXXX contact you about money you may owe, they are required by law to provide you with certain information : The name of the creditor you supposedly owe money to The amount you owe That you have the right to dispute the debt, but if you dont dispute it within 30 days of being contacted, the debt collector can assume it is valid That if you dispute the debt in writing, the debt collector must provide written evidence of the debt","date_sent_to_company":"2024-06-12T17:41:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"074XX","tags":"Older American","has_narrative":true,"complaint_id":"9214936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HEARTLAND PAYMENT SYSTEMS INC","date_received":"2024-06-10T01:39:45.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I REQYESTED XXXX XXXX XXXX XXXX XXXX GIVE ME THIS INFORMATION When <em>debt</em> XXXX contact you about money you may owe, they are required by law to provide you with certain information : The name of the creditor you supposedly owe money to The amount you owe That you have the right to <em>dispute</em> the <em>debt</em>, but if you <em>dont</em> <em>dispute</em> it <em>within</em> 30 <em>days</em> of being contacted, the <em>debt</em> collector can assume it is valid That if you <em>dispute</em> the <em>debt</em> in writing, the <em>debt</em> collector must provide written evidence of the <em>debt</em>"]},"sort":[14.926196,"9214936"]},{"_index":"complaint-public-v1","_id":"6630637","_score":14.904495,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.","date_sent_to_company":"2023-02-28T16:12:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75206","tags":"Servicemember","has_narrative":true,"complaint_id":"6630637","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Systems International, Inc.","date_received":"2023-02-28T16:00:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["That information includes : The name of the creditor The amount owed That you can <em>dispute</em> the <em>debt</em> That if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid That if you <em>dispute</em> the <em>debt</em> in writing <em>within</em> 30 <em>days</em> the <em>debt</em> collector will provide verification of the <em>debt</em> That if you request the name and address of the original creditor <em>within</em> 30 <em>days</em>, if different from the current creditor, the <em>debt</em> collector will provide you that information."]},"sort":[14.904495,"6630637"]},{"_index":"complaint-public-v1","_id":"6630669","_score":14.89614,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.","date_sent_to_company":"2023-02-28T16:12:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75206","tags":"Servicemember","has_narrative":true,"complaint_id":"6630669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-28T16:12:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["That information includes : The name of the creditor The amount owed That you can <em>dispute</em> the <em>debt</em> That if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid That if you <em>dispute</em> the <em>debt</em> in writing <em>within</em> 30 <em>days</em> the <em>debt</em> collector will provide verification of the <em>debt</em> That if you request the name and address of the original creditor <em>within</em> 30 <em>days</em>, if different from the current creditor, the <em>debt</em> collector will provide you that information."]},"sort":[14.89614,"6630669"]},{"_index":"complaint-public-v1","_id":"2554415","_score":14.786412,"_source":{"product":"Debt collection","complaint_what_happened":"1. Caine & Weiner Company , Inc has failed to comply with Section 1692g which requires a debt collector to send a written validation notice to a consumer within five days of the collectors initial collection attempt and specifies what information the notice must contain. This section requires the notice to include statements that if the consumer disputes a debt in writing or makes a written request for the name and address of the original creditor, the collector will provide verification of the debt or the requested information. This section also requires a debt collector to cease all collection efforts if it receives a written dispute or information request until the verification or information is provided. i. This account was reported to XXXX and XXXX credit reports on or around XXXX XXXX, XXXX, to which several disputes have been filed, which have not received a response from Caine & Weiner Company, Inc 2. Caine & Weiner Company , Inc has failed to comply with Section 1692g of the FCRA that also requires the validation notice to include a statement that the debt will be assumed to be valid by the debt collector unless the consumer disputes the debt within 30 days. 3. Caine & Weiner Company , Inc has failed to comply with the FCRA statue that requires a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 4. Caine & Weiner Company , Inc has failed to comply with the FCRA statue that states that if a dispute is found to be frivolous or irrelevant, you must notify the consumer within five business days of receiving the dispute. This notice can be a form letter. Include the reason for the determination and, if relevant, any information the consumer needs to submit so you can investigate the disputed information. i. Caine & Weiner Company , Inc has failed to comply with the FCRA statue that states you must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30-day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) Statue FCRA 616, 617, 621 states that if you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA  provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. Letters were not received until after my init request for verification on XXXX XXXX, XXXX Letters weee dated XXXX XXXX, XXXX. No other verification has been provided. This company has violated several FTC laws, including contacting the consumer after a dispute and request for verification has been filed.","date_sent_to_company":"2017-06-20T21:17:51.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"33712","tags":null,"has_narrative":true,"complaint_id":"2554415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2017-06-20T21:07:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The CRA must give you all the relevant information it gets <em>within</em> five business <em>days</em> of receipt, and must promptly give you additional relevant information provided by the consumer. If you <em>dont</em> investigate and respond to the notification of the <em>dispute</em> <em>within</em> the specified times, the CRA must delete the <em>disputed</em> information from its files."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Other <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[14.786412,"2554415"]},{"_index":"complaint-public-v1","_id":"10762252","_score":14.683928,"_source":{"product":"Debt collection","complaint_what_happened":"I received a letter from a debt collector stating that I owed XXXX. On XX/XX/year>, I sent a certified letter requesting proof within 30 days. Its been 35 days and no response. I don't know if this debt is even mine, nothing matches on my portfolio. I requested The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the 30 day period, the debt provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; Information About the Authority to Collect This Debt original purchase agreement. \n\nTracking number for certified mail sent usps is XXXX","date_sent_to_company":"2024-11-13T15:35:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32127","tags":null,"has_narrative":true,"complaint_id":"10762252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mandarich Law Group, LLP","date_received":"2024-11-11T12:30:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I received a letter from a <em>debt</em> collector stating that I owed XXXX. On XX/XX/year>, I sent a certified letter requesting proof <em>within</em> 30 <em>days</em>. Its been 35 <em>days</em> and no response. I <em>don't</em> know if this <em>debt</em> is even mine, nothing matches on my portfolio."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[14.683928,"10762252"]},{"_index":"complaint-public-v1","_id":"6746176","_score":14.643731,"_source":{"product":"Debt collection","complaint_what_happened":"Received notice from Harris and Harris dated XX/XX/2023 regarding a non valid debt from the Washington, DC XXXX XXXX XXXX. The notice from Harris and Harris did not include debt collection rights including language that states : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid ; If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt ; and If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information. \n\nIn addition, this debt is not a valid debt since Washington DC has no legal authority to collect on automatic traffic enforcement fines from non-residents because there is no reciprocity agreement as required by law. This has been confirmed by the Mayor of Washington DC and has been reported in the news. A letter was sent to Harris and Harris on XX/XX/XXXX informing them of this and to stop contacting me, but they have attempted to contact me by phone at my work 7 times after they received the letter. I have all the voice messages and logs of the phone calls.","date_sent_to_company":"2023-03-24T13:25:25.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"206XX","tags":null,"has_narrative":true,"complaint_id":"6746176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2023-03-24T12:57:39.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The notice from Harris and Harris did not include <em>debt</em> collection rights including language that states : If you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid ; If you do <em>dispute</em> the <em>debt</em> in writing <em>within</em> 30 <em>days</em> the <em>debt</em> collector must stop collection until it provides you verification of the <em>debt</em> ; and If you request the name and address of the original creditor ( if different from the current creditor ) <em>within</em> 30 <em>days</em>, the <em>debt</em> collector will provide you"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Other <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[14.643731,"6746176"]},{"_index":"complaint-public-v1","_id":"4731390","_score":14.550306,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX, i sent my final letter TO MERCHANT ADJUSTMENT SERVICES about some alleged debts of :107,107, and 155 that i don't owe. I have disputed asking for the validity of the debts at hand and they have not responded to my request within the 30 days.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the total alleged debts of {$360.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANT ADJUSTMENT SERVICES has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.","date_sent_to_company":"2021-09-17T23:31:12.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"39501","tags":null,"has_narrative":true,"complaint_id":"4731390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Merchants Adjustment Service, Inc.","date_received":"2021-09-17T23:02:29.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX XXXX, i sent my final letter TO MERCHANT ADJUSTMENT SERVICES about some alleged <em>debts</em> of :107,107, and 155 that i <em>don't</em> owe."],"product":["<em>Debt</em> collection"],"sub_product":["Medical <em>debt</em>"]},"sort":[14.550306,"4731390"]},{"_index":"complaint-public-v1","_id":"16997219","_score":14.530653,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hello the law firm XXXX XXXX XXXX XXXX XXXX ) sent me a letter and it says that they gave XXXX XXXX until XX/XX/XXXX to dispute the debt. I dont know who that is and I sent a dispute letter on XX/XX/year> to the debt XXXX and they didnt respond until XX/XX/year>. By law a debt collector must respond to my debt validation letter within XXXX days and they did not. I will have a copy of the letter the law firm sent me in the link.","date_sent_to_company":"2025-11-03T09:58:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"484XX","tags":null,"has_narrative":true,"complaint_id":"16997219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lloyd & McDaniel, PLC","date_received":"2025-11-03T09:39:29.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Hello the law firm XXXX XXXX XXXX XXXX XXXX ) sent me a letter and it says that they gave XXXX XXXX until XX/XX/XXXX to <em>dispute</em> the <em>debt</em>. I <em>dont</em> know who that is and I sent a <em>dispute</em> letter on XX/XX/year> to the <em>debt</em> XXXX and they didnt respond until XX/XX/year>. By law a <em>debt</em> collector must respond to my <em>debt</em> validation letter <em>within</em> XXXX <em>days</em> and they did not. I will have a copy of the letter the law firm sent me in the link."]},"sort":[14.530653,"16997219"]},{"_index":"complaint-public-v1","_id":"3126628","_score":14.494104,"_source":{"product":"Debt collection","complaint_what_happened":"15 U.S. Code 1692g states that : a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a  statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive this notification and this debt is not owed. I don't have a contract with the creditor.","date_sent_to_company":"2019-01-16T18:39:02.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"77064","tags":null,"has_narrative":true,"complaint_id":"3126628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2019-01-16T18:31:36.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Code 1692g states that : a ) Notice of <em>debt</em> ; contents<em>Within</em> five <em>days</em> after the initial communication with a consumer in connection with the collection of any <em>debt</em>, a <em>debt</em> collector shall, unless the following information is contained in the initial communication or the consumer has paid the <em>debt</em>, send the consumer a written notice containing ( 1 ) the amount of the <em>debt</em> ; ( 2 ) the name of the creditor to whom the <em>debt</em> is owed ; ( 3 ) a statement that unless the consumer, <em>within</em> thirty <em>days</em> after"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Other <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[14.494104,"3126628"]},{"_index":"complaint-public-v1","_id":"18249308","_score":14.45269,"_source":{"product":"Debt collection","complaint_what_happened":"I was notified by my employer that I was having my wages garnished by debt collector and I was never notified that I had a court date to be sued. There are multiple consumer violations of the FDCPA. \n\nValidation Notice : While a notice isn't required before the lawsuit is filed, the debt collector is generally required to provide debt validation information within five days of their initial communication ( which might be the lawsuit papers themselves ). You have the right to dispute the debt within 30 days of receiving this notice. \n\nFDCPA Violations : The FDCPA protects you from unfair practices. If a debt collector files a lawsuit in a county where you don't live, for example, that is a potential violation. \n\nProvide proof of summons sent to consumer as required by Louisiana law and consumer law prior to the date of court granting favor for debt collections.","date_sent_to_company":"2025-12-23T16:36:25.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"71107","tags":null,"has_narrative":true,"complaint_id":"18249308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-12-23T16:27:37.000Z","state":"LA","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["You have the right to <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> of receiving this notice. \n\nFDCPA Violations : The FDCPA protects you from unfair practices. If a <em>debt</em> collector files a lawsuit in a county where you <em>don't</em> live, for example, that is a potential violation. \n\nProvide proof of summons sent to consumer as required by Louisiana law and consumer law prior to the date of court granting favor for <em>debt</em> collections."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[14.45269,"18249308"]},{"_index":"complaint-public-v1","_id":"4054200","_score":14.449555,"_source":{"product":"Debt collection","complaint_what_happened":"I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt","date_sent_to_company":"2021-01-07T21:46:52.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"21221","tags":null,"has_narrative":true,"complaint_id":"4054200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Io, Inc.","date_received":"2021-01-07T21:40:18.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I never received a phone nor letter advising me to <em>dispute</em> the validity of this <em>debt</em>. It is affecting my credit and need it removed. Im supposed to receive notification to <em>dispute</em>, and if I <em>dont</em> respond <em>within</em> 30 <em>days</em> then it can be added to my report, instead they added it without giving me the opportunity to <em>dispute</em> the validity of the <em>debt</em>"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[14.449555,"4054200"]},{"_index":"complaint-public-v1","_id":"3713378","_score":14.449555,"_source":{"product":"Debt collection","complaint_what_happened":"I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt","date_sent_to_company":"2020-06-24T15:02:55.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"21221","tags":null,"has_narrative":true,"complaint_id":"3713378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2020-06-24T14:56:47.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I never received a phone nor letter advising me to <em>dispute</em> the validity of this <em>debt</em>. It is affecting my credit and need it removed. Im supposed to receive notification to <em>dispute</em>, and if I <em>dont</em> respond <em>within</em> 30 <em>days</em> then it can be added to my report, instead they added it without giving me the opportunity to <em>dispute</em> the validity of the <em>debt</em>"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Other <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[14.449555,"3713378"]},{"_index":"complaint-public-v1","_id":"6649348","_score":14.392871,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.XXXX  Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated","date_sent_to_company":"2023-03-04T08:21:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75206","tags":"Servicemember","has_narrative":true,"complaint_id":"6649348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-04T08:21:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["That information includes : The name of the creditor The amount owed That you can <em>dispute</em> the <em>debt</em> That if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid That if you <em>dispute</em> the <em>debt</em> in writing <em>within</em> 30 <em>days</em> the <em>debt</em> collector will provide verification of the <em>debt</em> That if you request the name and address of the original creditor <em>within</em> 30 <em>days</em>, if different from the current creditor, the <em>debt</em> collector will provide you that information."]},"sort":[14.392871,"6649348"]},{"_index":"complaint-public-v1","_id":"6649185","_score":14.392037,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.CSIIs Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated","date_sent_to_company":"2023-03-04T08:21:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75206","tags":"Servicemember","has_narrative":true,"complaint_id":"6649185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Systems International, Inc.","date_received":"2023-03-04T08:12:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["That information includes : The name of the creditor The amount owed That you can <em>dispute</em> the <em>debt</em> That if you <em>dont</em> <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> the <em>debt</em> collector will assume the <em>debt</em> is valid That if you <em>dispute</em> the <em>debt</em> in writing <em>within</em> 30 <em>days</em> the <em>debt</em> collector will provide verification of the <em>debt</em> That if you request the name and address of the original creditor <em>within</em> 30 <em>days</em>, if different from the current creditor, the <em>debt</em> collector will provide you that information."]},"sort":[14.392037,"6649185"]},{"_index":"complaint-public-v1","_id":"10078748","_score":14.3879795,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian did not respond within 15days of receiving letter i mailed certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, XXXX  XXXX SSN : XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. \n\nXXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation Please mail me the proof of your investigation and proof that this debt collector has a legal right to report or delete this account. \n\nXXXX XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. \n\nXXXX XXXX XXXX  with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. \n\nXXXX XXXX XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. \n\nBe advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. \n\nI personally signed and sent this letter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-09T19:46:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85014","tags":null,"has_narrative":true,"complaint_id":"10078748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-09T19:40:42.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX with account number XXXX I previously <em>disputed</em> this account. that is being reported on my credit report. I <em>dont</em> agree with the results of your investigation Please mail me the proof of your investigation and proof that this <em>debt</em> collector has a legal right to report or delete this account. \n\nXXXX XXXX XXXX with account number XXXX I previously <em>disputed</em> this account. that is being reported on my credit report. I <em>dont</em> agree with the results of your investigation."]},"sort":[14.3879795,"10078748"]},{"_index":"complaint-public-v1","_id":"14653133","_score":14.369188,"_source":{"product":"Debt collection","complaint_what_happened":"Credit Management Company never contacted me regarding the alleged debt. Within 30 days of me contacting them first, I disputed the debt and requested validation numerous times, including the name and address of the creditor. And I never acknowledged the debt and still don't. This account is in limbo somewhere and they are still keeping me from reviewing and/or resolving with the original creditor if there was one at all.\n\nXXXX still never provided this information. Instead, they later claimed to have closed the account and sent it back to the creditor, but still refused to identify the creditor. \n\nUnder the Fair Debt Collection Practices Act, they are required to identify the creditor upon request and validate the debt. Their refusal is deceptive and unlawful. However all of their negligence and mishandling seems to be on par with their negative reviews. \n\nThey never even provided me with the name & address of the creditor that itself is a failure to meet their minimum obligation under the FDCPA ( 15 U.S.C. 1692g ).\n\nSpecifically : > Within 5 days of their first communication with you, a debt collector must send you a written notice that includes : the amount of the debt ; the name of the creditor to whom the debt is currently owed ; a statement that you can dispute the debt within 30 days ; that they will obtain verification of the debt if you dispute it, and the name & address of the original creditor if different. \n\nSo if they : Failed to send this initial notice, Never identified the creditor in any of their responses to you, they are in clear violation of the FDCPA. \n\n\nAnd this is not a duplicate complaint.","date_sent_to_company":"2025-07-14T06:23:30.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"14653133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Management Holdings, LLC","date_received":"2025-07-14T05:57:49.000Z","state":"OH","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Specifically : > <em>Within</em> 5 <em>days</em> of their first communication with you, a <em>debt</em> collector must send you a written notice that includes : the amount of the <em>debt</em> ; the name of the creditor to whom the <em>debt</em> is currently owed ; a statement that you can <em>dispute</em> the <em>debt</em> <em>within</em> 30 <em>days</em> ; that they will obtain verification of the <em>debt</em> if you <em>dispute</em> it, and the name & address of the original creditor if different."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[14.369188,"14653133"]},{"_index":"complaint-public-v1","_id":"4840850","_score":14.306541,"_source":{"product":"Debt collection","complaint_what_happened":"I Received a collection from Convergent for an unpaid XXXX XXXX XXXX bill, I don't have an account With XXXX XXXX XXXX The back of the notice says unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt, this office will assume the debt is valid? 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