{"took":205,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5456,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2697327","_score":23.568943,"_source":{"product":"Debt collection","complaint_what_happened":"I recently viewed my credit report for XXXX. I notice U.S Collection West was being reporting twice for 2 different accounts. I disputed and asked them to send me variable proof that this debt is accurate, instead I received two letters just giving me a break down of the debt, nothing with my signature, nothing stating that they purchased this debt. And on top of that I never received notice after they purchased these items to allow me time to dispute it before impacting my credit. \n\n\n\n\nFDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...\n\n( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...","date_sent_to_company":"2017-10-10T05:58:12.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"85021","tags":null,"has_narrative":true,"complaint_id":"2697327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. Collections West, Inc.","date_received":"2017-10-10T01:39:30.000Z","state":"AZ","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Other debt"],"sub_issue":["Didn't receive notice of right to dispute"]},"sort":[23.568943,"2697327"]},{"_index":"complaint-public-v1","_id":"11751108","_score":23.250181,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.","date_sent_to_company":"2025-01-25T15:33:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11751108","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-01-25T15:25:13.000Z","state":"FL","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":["809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor"]},"sort":[23.250181,"11751108"]},{"_index":"complaint-public-v1","_id":"5329409","_score":23.228977,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Time after time this credit reporting agency is breaking the law I send dispute letters in certified mail asking for this alleged debt to be validated by law 15 USC 1692g Validation of debt ( 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 judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collect. I have not received this information in fact when I call the debt collector asking for documents they say the sent them email and even have it documented in there system that they mail which is a lie I would like them to prove this alleged debt by verification of debt or judgement they havent dont anything to provide this information and it is hurting my ability to obtain credit","date_sent_to_company":"2022-03-16T17:53:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"5329409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-16T17:47:26.000Z","state":"DE","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":["Time after time this credit reporting agency is breaking the law I send dispute letters in certified mail asking for this alleged debt to be validated by law 15 USC 1692g Validation of debt ( 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 judgement against the consumer and a copy of such verification or judgement will be"]},"sort":[23.228977,"5329409"]},{"_index":"complaint-public-v1","_id":"5329202","_score":23.186548,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Time after time this credit reporting agency is breaking the law I send dispute letters in certified mail asking for this alleged debt to be validated by law 15 USC 1692g Validation of debt ( 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 judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collect. I have not received this information in fact when I call the debt collector asking for documents they say the sent them email and even have it documented in there system that they mail which is a lie I would like them to prove this alleged debt by verification of debt or judgement they havent dont anything to provide this information and it is hurting my ability to obtain credit","date_sent_to_company":"2022-03-16T17:44:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"5329202","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-16T17:25:44.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Time after time this credit reporting agency is breaking the law I send dispute letters in certified mail asking for this alleged debt to be validated by law 15 USC 1692g Validation of debt ( 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 judgement against the consumer and a copy of such verification or judgement will be"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[23.186548,"5329202"]},{"_index":"complaint-public-v1","_id":"6127715","_score":23.183435,"_source":{"product":"Debt collection","complaint_what_happened":"First contact with debt collector was XX/XX/XXXX. Received XXXX letter dated XX/XX/XXXX. This is the first and only written communication the company has made. The letter is missing the following information : 1. 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 2. 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","date_sent_to_company":"2022-11-18T15:03:51.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"66762","tags":null,"has_narrative":true,"complaint_id":"6127715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivable Solutions, Inc.","date_received":"2022-10-25T21:03:36.000Z","state":"KS","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The letter is missing the following information : 1. 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 2. 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"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_issue":["Didn't receive notice of right to dispute"]},"sort":[23.183435,"6127715"]},{"_index":"complaint-public-v1","_id":"5145579","_score":23.138409,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing the validity of this alleged debt. I am requesting you verify who the original creditor is of this consumer credit transaction. Verify this alleged debt, provide me the consumer with the name and address of the original creditor. Chase auto finance shall cease collection of the debt, or any disputed portion therefore, until the debt collector obtains verification of a debt or a copy of a judgment, or the name and address of the original creditor in a copy of such verification or judgment, or name and address of the original creditor is mailed to the consumer by the debt collector.","date_sent_to_company":"2022-01-25T07:16:36.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"78748","tags":null,"has_narrative":true,"complaint_id":"5145579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-01-25T02:05:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Chase auto finance shall cease collection of the debt, or any disputed portion therefore, until the debt collector obtains verification of a debt or a copy of a judgment, or the name and address of the original creditor in a copy of such verification or judgment, or name and address of the original creditor is mailed to the consumer by the debt collector."],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Auto debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[23.138409,"5145579"]},{"_index":"complaint-public-v1","_id":"2697123","_score":22.920034,"_source":{"product":"Debt collection","complaint_what_happened":"This is a follow up to my previous complaint regarding ARS Account Resolution 's ( ARS ) reporting of a medical bill on my credit reports. I have sent several disputes and requests for validation to ARS and the credit bureaus. However, ARS has failed to validate the debt, and stated in their response to my prior complaint that they are not obligated to send a signature or detailed statement. However, section 809 ( a ) ( 4 ) of the Federal Debt Collection Practices Act states that if the consumer notifies the debt collector that the debt is disputed, 'the debt collector will obtain verification of the debt or a copy of the judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector '. The same is re-stated in section ( b ) of the statute under the heading \" disputed debts. '' Therefore, it is not enough for the debt collector to verify the debt themselves, they must also provide a copy of that verification to the consumer. Since ARS has not provided a copy of said verification, they can not continue to report this debt.","date_sent_to_company":"2017-10-09T20:29:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"33009","tags":null,"has_narrative":true,"complaint_id":"2697123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HCFS Healthcare Financial Services of TeamHealth","date_received":"2017-10-09T20:14:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["However, section 809 ( a ) ( 4 ) of the Federal Debt Collection Practices Act states that if the consumer notifies the debt collector that the debt is disputed, 'the debt collector will obtain verification of the debt or a copy of the judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector '."],"product":["Debt collection"],"issue":["Attempts to collect debt not owed"],"sub_product":["Medical debt"],"sub_issue":["Debt is not yours"]},"sort":[22.920034,"2697123"]},{"_index":"complaint-public-v1","_id":"5733635","_score":22.680866,"_source":{"product":"Debt collection","complaint_what_happened":"United revenue corporation has violated my rights. \n\n15 U.S.C 1692g : Validation of debts ( 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. \n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. \nAccount # XXXX and Account # XXXX are fraudulent and inaccurate, debt collector/Original creditor failed to verify debt after receiving dispute letter thru certify mail","date_sent_to_company":"2022-07-04T20:49:18.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"762XX","tags":null,"has_narrative":true,"complaint_id":"5733635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Revenue Corporation","date_received":"2022-07-04T20:20:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["; ( 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"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[22.680866,"5733635"]},{"_index":"complaint-public-v1","_id":"12129547","_score":22.664223,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX. XXXX, XXXX placed a collection on my credit reports without sending me any notifications therefore I was not able to dispute. This is a violation of 15 U.S. Code 1692g - Validation of debts. this states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. However, they have failed to do this and are in direct violation of the FDCPA.","date_sent_to_company":"2025-02-20T03:32:12.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"30214","tags":null,"has_narrative":true,"complaint_id":"12129547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-02-20T03:24:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of debts. this states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor"],"product":["Debt collection"],"sub_product":["Telecommunications debt"]},"sort":[22.664223,"12129547"]},{"_index":"complaint-public-v1","_id":"6060027","_score":22.652502,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please see attached documents. I am requesting debt validation-verifying the original creditor, which I am entitled to under 15 USC 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.","date_sent_to_company":"2022-10-06T16:46:53.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"31088","tags":null,"has_narrative":true,"complaint_id":"6060027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-10-06T16:32:17.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I am requesting debt validation-verifying the original creditor, which I am entitled to under 15 USC 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification"]},"sort":[22.652502,"6060027"]},{"_index":"complaint-public-v1","_id":"10781339","_score":22.64992,"_source":{"product":"Debt collection","complaint_what_happened":"National Credit Systems placed a collection on my credit reports without sending me any notifications therefore I was not able to dispute. This is a violation of 15 U.S. Code 1692g - Validation of debts. this states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. However, they have failed to do this and are in direct violation of the FDCPA.","date_sent_to_company":"2024-11-13T22:13:08.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"32311","tags":null,"has_narrative":true,"complaint_id":"10781339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-11-13T22:00:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of debts. this states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Rental debt"],"sub_issue":["Didn't receive notice of right to dispute"]},"sort":[22.64992,"10781339"]},{"_index":"complaint-public-v1","_id":"10056589","_score":22.60577,"_source":{"product":"Debt collection","complaint_what_happened":"This is a continuation of a previous complaint, XXXX. \n\nRMS Indicated they provided documents requested, but in truth, they only provided a statement. A made up paper statement does not proof the debt is mine. The only thing that will proof the debt is mine is a signed contract or agreement. \n\nI contacted RMS on XX/XX/XXXX to discuss this issue, but they insists the statement is sufficient. This is far from the truth. I can provide a couple of statment indicating that RMS has an outstanding balance with me, as well as their client which would wash off their claims of a debt. \n\n15 USC 1692g. Validation of debts ( 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. \n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( Pub. L. 90321, title VIII, 809, as added Pub. L. 95109, XXXX XXXX XXXX, 91 Stat. 879. ) As per 15 USC 1692g. Validation of debt - number 4 indicates that upon notification that the debt is being disputed, the debt collector must obtain verification of the debt or a judgement. No such documentation has been provided to me.\n\nAdditionally, section ( b ) indicates that if the debt collector is notified that the debt or any portion thereof is being disputed, then the \" debt collector shall cease collection of the debt ''.\n\nRMS has been notified in writing and via telephone that I am disputing the debt, however, their collection efforts have not stopped. \n\nThis is a clear violation of the code.","date_sent_to_company":"2024-09-06T15:58:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"84094","tags":"Older American","has_narrative":true,"complaint_id":"10056589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RMS-Recovery Management Services, Inc.","date_received":"2024-09-06T15:32:40.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["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"],"product":["Debt collection"],"issue":["Attempts to collect debt not owed"],"sub_issue":["Debt is not yours"]},"sort":[22.60577,"10056589"]},{"_index":"complaint-public-v1","_id":"5778788","_score":22.583244,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within XXXX 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 XXXX 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. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in 2015","date_sent_to_company":"2022-07-16T07:40:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5778788","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-16T07:40:34.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":[", the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector."]},"sort":[22.583244,"5778788"]},{"_index":"complaint-public-v1","_id":"5719396","_score":22.583244,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( 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 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. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in XXXX","date_sent_to_company":"2022-06-28T05:06:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5719396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-28T05:06:49.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":[", the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector."]},"sort":[22.583244,"5719396"]},{"_index":"complaint-public-v1","_id":"5416438","_score":22.583244,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( 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 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.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\nI am also a victim of identity theft in 2020 and a victim of identity theft in 2020.","date_sent_to_company":"2022-04-07T03:45:15.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"360XX","tags":null,"has_narrative":true,"complaint_id":"5416438","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-07T03:33:56.000Z","state":"AL","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["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"]},"sort":[22.583244,"5416438"]},{"_index":"complaint-public-v1","_id":"5719394","_score":22.574545,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( 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 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. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in XXXX","date_sent_to_company":"2022-06-28T05:06:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5719394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-28T05:06:49.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":[", the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector."]},"sort":[22.574545,"5719394"]},{"_index":"complaint-public-v1","_id":"5789381","_score":22.557331,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( 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 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. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in 2020.","date_sent_to_company":"2022-07-19T05:17:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"5789381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-19T05:17:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":[", the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector."]},"sort":[22.557331,"5789381"]},{"_index":"complaint-public-v1","_id":"12019133","_score":22.544884,"_source":{"product":"Debt collection","complaint_what_happened":"THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law XXXX, XXXX Stat. XXXX ( XXXX XXXX, 1996 ) TITLE VIII - DEBT COLLECTION PRACTICES [ Fair Debt Collection Practices Act ] XXXX. Validation of debts [ XXXX XXXX XXXX ] ( a ) Within XXXX 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 -- ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX 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 ; ( XXXX ) 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 ( XXXX ) a statement that, upon the consumer 's written request within the XXXX day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \n( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.","date_sent_to_company":"2025-02-10T20:04:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"119XX","tags":null,"has_narrative":true,"complaint_id":"12019133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-10T19:51:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["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 ; ( XXXX ) 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"],"product":["Debt collection"],"issue":["Attempts to collect debt not owed"],"sub_issue":["Debt is not yours"]},"sort":[22.544884,"12019133"]},{"_index":"complaint-public-v1","_id":"13876983","_score":22.489685,"_source":{"product":"Debt collection","complaint_what_happened":"Portfolio Recovery Associates : amount {$540.00} This company has not provided signed documentation from original debtor to verify this account belongs to me. They only listed the name and date of the debtor and did not provide the requested information. This account was placed on my credit report without being notified of this alleged debt. \n\nThis is in violation of FCRA code : 15 U.S. Code 1692g ) 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 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. \n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2025-06-03T22:21:26.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"20602","tags":null,"has_narrative":true,"complaint_id":"13876983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-06-03T22:14:20.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["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"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Credit card debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[22.489685,"13876983"]},{"_index":"complaint-public-v1","_id":"8125415","_score":22.395279,"_source":{"product":"Debt collection","complaint_what_happened":"this is a copy of what was sent to the company : Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \n\nI am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. \n\n12 CFR 1006.34C Notice for validation of debts : this serves as notice for violation of providing any of the required 13 consumer disclosures ; provide proof of each disclosure. \n\n\nTheir reply was they refused to follow FCRA laws and will continue to report. This company is violating FCR laws and has refused to comply with my request for the 13 disclosures. Please remove from all credit reports.","date_sent_to_company":"2024-01-09T03:13:01.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"995XX","tags":null,"has_narrative":true,"complaint_id":"8125415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2024-01-09T02:52:12.000Z","state":"AK","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["this is a copy of what was sent to the company : Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains"],"product":["Debt collection"],"issue":["Written notification about debt"],"sub_product":["Rental debt"],"sub_issue":["Didn't receive enough information to verify debt"]},"sort":[22.395279,"8125415"]},{"_index":"complaint-public-v1","_id":"5110900","_score":22.387814,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 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":"2022-01-14T16:12:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14225","tags":null,"has_narrative":true,"complaint_id":"5110900","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Phoenix Financial Services LLC","date_received":"2022-01-14T15:28:11.000Z","state":"NY","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 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"]},"sort":[22.387814,"5110900"]},{"_index":"complaint-public-v1","_id":"5110409","_score":22.387814,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 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":"2022-01-14T16:12:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14225","tags":null,"has_narrative":true,"complaint_id":"5110409","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"HCFS Healthcare Financial Services of TeamHealth","date_received":"2022-01-14T16:12:56.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 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"]},"sort":[22.387814,"5110409"]},{"_index":"complaint-public-v1","_id":"9721411","_score":22.383392,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had applied for a Business account at XXXX XXXX they opened it but, a few days later closed it because they had received some type of information from the Early Warning service. \nI contacted EWS for a report and they sent me a report that showed XXXX XXXX on my account numerous times. I then proceeded to send XXXX XXXX and EWS dispute letters asking for them to Validate and verify this account. I have sent XXXX XXXX Two dispute letters and they have sent back a letter stating that the information is accurate. I have sent Early warning Service three different dispute letters asking them to validate and verify this debt. \nThey have also replied with a letter each time stating that the reinvestigation confirms that the information contained in my file is accurate and complete as of the date it was furnished to our database. \nUnder the FCRA SECTION Debt Validation : According to Section 809 of the FDCPA ( 15 U.S.C. 1692g ), within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector must send the consumer a written notice containing : The amount of the debt. \nThe name of the creditor to whom the debt is owed. \nA statement that unless the consumer disputes the validity of the debt or any portion thereof within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector. \nA 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. \nA statement that, upon the consumer 's written 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. \nDebt Verification : If the consumer disputes the debt in writing within the 30-day period, the debt collector must cease collection efforts until it provides verification of the debt or a copy of the judgment. Verification typically involves obtaining and sending the consumer documentation that proves the debt is valid and that the consumer is responsible for it. \nI have asked them to send me a purchase agreement, proof of my signature, a copy of my photo something that shows proof that is my debt because I have no knowledge of this debt.","date_sent_to_company":"2024-08-06T17:25:06.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"30038","tags":null,"has_narrative":true,"complaint_id":"9721411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-08-06T16:42:11.000Z","state":"GA","company_public_response":null,"sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["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."]},"sort":[22.383392,"9721411"]},{"_index":"complaint-public-v1","_id":"12828351","_score":22.36786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX COLLECTION SER Acct # XXXX XXXX XXXX XXXX Acct # XXXX THIS IS A DIRECT VIOLATION OF 15 U.S.C 1692g-Validation of debts ( 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.\n\n( 2 ) the name of the creditor to whom the debt is owed.\n\n( 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.\n\n( 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.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.","date_sent_to_company":"2025-04-05T05:00:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"12828351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-05T04:33:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 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"]},"sort":[22.36786,"12828351"]},{"_index":"complaint-public-v1","_id":"5110402","_score":22.343977,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 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":"2022-01-14T16:12:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14225","tags":null,"has_narrative":true,"complaint_id":"5110402","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-01-14T16:12:56.000Z","state":"NY","company_public_response":"Company has responded to the 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