Debt Recovery Solutions, LLC

I am filing a complaint against multiple debt collection agencies for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). After disputing the alleged debts and requesting validation under 15 U .S.C. 1692g, the companies failed to provide sufficient documentation showing that I am legally responsible for the accounts. They did not produce essential records such as a signed agreement, proof of ownership or assignment, a full account history, or evidence of their authority to collect. Despite this, they appear to have continued collection efforts and may have reported the accounts to credit bureaus without properly verifying the information.…

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I am submitting this complaint regarding Debt Recovery Solutions and their failure to properly validate a debt they are attempting to collect and report. I requested validation of this debt and have not received sufficient documentation verifying that I am legally obligated to pay it. Despite this, the account continues to be reported on my credit report and remains in collection status. Debt Recovery Solutions has not provided a signed agreement, complete account history, or documentation from the original creditor demonstrating that this debt is mine. Additionally, they have not provided sufficient proof of ownership or legal right to collect this debt. At the same time, this account has been reported to credit reporting agencies and was recently verified by XXXX without proper documentation being provided to me. I have made a good faith effort to resolve this matter directly, but I have not received proper validation of the debt.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Debt Validation Request Dear Sir or Madam, I am writing in response to your communication regarding an alleged debt. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I dispute this debt and request that you provide the following information : 1. The amount of the alleged debt, including any fees, interest, or charges 2. The name and address of the original creditor 3. Documentation showing that I am legally obligated to pay this debt 4. Proof that your company is authorized to collect this debt 5. A copy of the original agreement or contract bearing my signature Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter.…

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DEBT REC SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research DEBT REC SOL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am filing a complaint regarding inaccurate credit reporting and failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I sent a written debt validation request to Debt Recovery Solutions , LLC regarding account number XXXX. In that letter, I requested full validation of the alleged debt, including a signed agreement, payment history, and proof of their authority to collect. To date, I have received no response to this validation request. At the same time, I disputed this account with the consumer reporting agencies. Despite the lack of any validation provided to me, the account was verified by the furnisher. This raises serious concerns regarding compliance with federal law : 1. Under FDCPA 1692g ( b ), a debt collector must cease collection activity until validation is provided. Continued reporting of a debt to consumer reporting agencies constitutes collection activity. 2.…

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I recently discovered a collection account reported by Debt Recovery Solutions on my credit report that I do not recognize. The account is being reported with inaccurate information, including listing the collection agency as the original creditor. I have not received any documentation showing that this account was opened using my Social Security number or that I am legally responsible for this debt. I have requested validation of the alleged debt and proof that the account belongs to me. Until proper verification is provided, this account should not be reported on my credit file. I am requesting that Debt Recovery Solutions provide full documentation verifying the debt or remove the account from my credit report with all credit bureaus.

This complaint concerns a collection account being reported by Debt Recovery Solutions. I previously disputed this account and requested proper debt validation because the amount being reported appears incorrect. The company responded by sending a credit agreement from XXXX showing a {$1000.00} line of credit signed in XXXX. However, this document does not validate the balance currently being reported and collected, which is {$3200.00}. I specifically requested documentation showing the amount being collected and how the balance was calculated. The company did not provide any account statements, payment history, itemized balance calculation, charge-off balance, or documentation explaining how the balance increased from the original credit line to {$3200.00}. I also requested documentation showing the date of default, the date of charge-off, and proof that Debt Recovery Solutions has legal ownership or assignment of the account and the right to collect this debt.…

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I am disputing a collection account being reported by Debt Recovery Solutions LLC on behalf of XXXX XXXX in the amount of {$4200.00}. The account is being reported on my credit report as a collection even though I previously disputed the account and requested validation. I requested documentation including the original contract, full payment history, the method of verification, and documentation showing that the collector has the legal authority to collect this alleged debt. The company has failed to provide any of the requested documentation and instead continues reporting the account as verified. Reporting a debt without providing proper validation raises serious concerns about the accuracy and legality of the reporting under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am receiving repeated phone calls and voicemails regarding an alleged payday loan originally from Check XXXX Go from approximately 2006. I have not made any payment on this account since that time, and the debt is well beyond the Texas statute of limitations. Over the past XXXX years, I have received calls from multiple companies, including Debt Recovery Systems, XXXX XXXX XXXX, and other callers using different names and phone numbers, claiming they are attempting to collect this debt. Callers frequently state that a civil lawsuit has been filed against me or that legal action will be taken unless I call back immediately or set up a payment plan. Some messages are automated robocalls telling me to press XXXX to speak with a representative. During several calls, I have been asked to provide banking information or agree to make a payment, and when I refuse, the caller becomes aggressive or hangs up.…

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Subject : Formal Dispute of Charges and Harassment Notification Dear Customer Service, I am writing to formally dispute the charges associated with my account and to address the harassment I have been experiencing from your company. I believe these charges are a result of identity theft, and I do not authorize any transactions made under my name. Despite my previous attempts to resolve this matter, I continue to receive unsolicited communications and harassment from your representatives. I have reported identity theft to the appropriate authorities and have filed a complaint with the Federal Trade Commission regarding this breach. I request that you cease all communication with me regarding this account and any charges associated with it. Furthermore, please provide me with a written confirmation that this matter is being taken seriously and that my dispute is being processed in accordance with the law.…

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The company had listed a debt on my credit report. I do not have a contract with this company or recognize the amount or where its from. I would like for them to remove this from my report immediately. They have failed to provide the original contract between me and them and they are not licensed to practice debt collection in the state of Georgia.

Dear Debt Recovery Solution LLC This letter is being sent to you in response to your recent communication regarding the alleged debt referenced above. I am formally requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Be advised that this is not a refusal to pay, but a request that you provide proper verification as required by federal law. Specifically, I request the following documentation : XXXX. Proof that you are legally authorized to collect this debt, including any documentation showing assignment or ownership of the account. XXXX. A full itemized statement of the alleged debt, including principal, interest, fees, and payments made ( if any ). XXXX. A copy of the original signed agreement or contract that created the obligation. XXXX. The name and address of the original creditor, and any evidence showing how the amount claimed was calculated. XXXX.…

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Debt recovery solutions is reporting an XXXX 's account to my credit report opern XX/XX/XXXX. I have not had an XXXX 's account since XXXX. So either this is an old account XXXX recovery solutions has bought and is trying to illegally collect on or someone is using my Identity to open a fraudulent account. I can not find a valid phone number or contact infomation for XXXX recovery solutions.

This company Debt Recovery Solutions did not contact be in any way or medium and went straight and reported negative information on my credit profile which is against the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Sir/Madam. I am writing to ask you to remove this negative information from Debt Recovery Solutions on my credit account profile.. I do not owe this money {$1200.00}. to Debt Recovery or any company. This company never contacted me through any medium as required by the Fair Credit Reporting Act. Since they never contacted me about this bill, I was not given the required 30 days to dispute the information before they reported it to the credit bureau. They have totally and brazenly circumvented the rules and regulation of the Fair credit reporting act. You should immediately delete this derogatory information from my credit profile.…

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On XX/XX/2026, XXXX accessed my consumer credit report for a credit application that I did not submit or authorize. I did not apply for any loan or credit product with this company on that date or at any time. At the time of the inquiry, my credit file was protected by an active security freeze and fraud alert. These protections require creditors to complete additional identity verification steps before accessing a consumers credit report. I was never contacted for verification, nor did I provide authorization. Because no verification occurred, I believe this inquiry was the result of fraud or identity theft. On XX/XX/, an account began reporting on my credit reports in connection with this matter. I do not recognize this debt. Within 30 days of becoming aware of the account, I requested debt validation and asked for proof of the debts validity and the companys legal authority to collect and report it. As of this complaint, I have not received any validation documentation.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I was contacted regarding an alleged debt referenced as XXXX in the amount of {$500.00}, allegedly owned by or associated with XXXX. I do not recognize this debt and was not provided any written notice prior to being contacted. I requested validation of this alleged debt, but to date, no documentation has been provided identifying the original creditor, the basis of the debt, or proof that the collection company has legal authority to collect. In addition, despite my request for validation and my request that the company stop calling me, I have continued to receive repeated and successive phone calls, including calls outside of normal business hours. I am unclear whether this account has been placed on my credit report, as I have not received proper notice or documentation explaining the debt. This conduct violates the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C.…

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in XXXX i needed help with my finances so i took out a personal loan with a company named XXXX XXXX Texas of XXXX. i paid off that loan that same year in two months on XXXX XX/XX/XXXX i received a credit alert from a company called DRS filing against my credit dropping it XXXX points.The only information from the file was a charge of XXXX from XXXX. on XXXX XX/XX/XXXX the same charge was filed again dropping my score an additional XXXX points.

This complaint is also my official request for debt validation to Debt Recovery Solutions. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Debt Recovery Solutions to provide complete validation. To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Debt Recovery Solutions.

I've been receiving phone calls for over a year from callers, stating different names of several different payday loan companies for a XXXX dollar pay day loan debt. I checked my credit reports and nobody accessed my credit to approve a loan, so I thought it was a scam. I was also suspicious because the payday loan company name chain changed several different times with the different phone calls. Once it turned to a so called creditor i was able to look up and address which turned out to be a storage unit in XXXX XXXX state. They are now trying to collect XXXX XXXX and XXXX XXXX dollars.And it is showing up on my credit report. I had excellent credit until yesterday, and my credit score dropped XXXX points thanks to this fraud. I would like to have this matter absolved once and for all. I already reached out to the fraud department for the state of XXXX. They were of no help, they didn't even respond to my report.…

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I am filing this complaint regarding Debt Recovery Solutions , LLC for reporting a collection account on my consumer credit report without providing me with the required notice and validation rights under federal law. The account in question ( original creditor listed as XXXX, balance {$1900.00} ) was placed on my credit report without any prior written notice to dispute the debt within 30 days as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). I never received any validation notice, initial communication, or documentation establishing that this alleged debt belongs to me before it was reported to the credit bureaus. Additionally, the debt appears to be past the applicable statute of limitations for legal enforcement. No proof has been provided that Debt Recovery Solutions has legal authority to collect or report this debt. No documentation has been provided showing chain of assignment from the original creditor.…

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I am submitting this complaint regarding a collection account being reported related to an auto loan originally associated with XXXX XXXX XXXX and now reported by Debt Recovery Solutions. I became aware of this account only recently when it appeared on my credit report. I had previously received a refund related to this account years earlier and did not receive clear documentation explaining any remaining balance. I contacted the companies involved multiple times to request verification of the debt, including account history, balance calculations, ownership or assignment documentation, and clarification regarding prior account adjustments and refund activity. During these communications I received conflicting information about ownership of the account and who was responsible for handling disputes.…

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DEBT REC SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research DEBT REC SOL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I have been dealing with Debt Recovery Solutions , LLC for months trying to resolve a medical debt that was paid off. I would call and they would direct me to another company saying the medical provider needed to reach out to the first company the medical debt was sent to. I asked for validation of the debt in XXXX and they said they would not be able to provide it until the provider reached out. I received documentation of all bills being paid via the hospital and called in to see who I needed to send the information to and they provided a false email that did not work. After going on the provided website, I noticed there was no means besides a number to contact the company in regards to the debt. The amount was stated as {$2000.00} sent via a letter on XX/XX/year>. I contacted the hospital as soon as the letter came in and they said there was no balance on the account and they do not know why years later this debt would be coming up.…

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I received a call from an unknown phone number on my mobile phone line and I answered the call. I connected and said, " hello ''. There was a brief pause then the caller asked in a very heavy, almost unintelligible XXXX accent, " May I speak with XXXX XXXX ''. ( I will point out that my name was horrendously mispronounced, indicating to me that this was likely a solicitation call of some sort. ) I started to to reply, " may I ask who's calling '' but before I could get the first two words out of my mouth the gentleman abruptly disconnected the call. I did not receive any message stating the caller was from a debt collection company, he never told me his name or where he was calling from or why. Just ask if he could speak with me then hung up. I only found out the name of the company by returning the call. When I looked at the history I see that they had previously called.…

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To Whom It May Concern : I am writing regarding the alleged debt referenced above. I dispute that I owe this debt and request that you provide validation of this debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following : The amount of the alleged debt. The name of the original creditor. A detailed statement showing how the alleged debt was calculated. Copies of any documents bearing my signature that show I agreed to assume this debt. XXXX. Proof that you are legally authorized to collect this debt in my state. XXXX. The name and address of the current creditor if different from the original creditor. Important Notice : Until you provide the requested validation, you are prohibited under 15 U.S.C. 1692c from further contacting me, except to advise that collection efforts are suspended or that you are providing the requested verification.…

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DEBT REC SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research DEBT REC SOL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Debt collector DRS has illegally re-aged a collection account and furnished false credit information, resulting in an approximately XXXX drop in my XXXX XXXX. As shown in Exhibit C, DRS is reporting this account as newly opened on XX/XX/XXXX, with fabricated terms ( 1 Month ), a false past-due status of XX/XX/XXXX, a balance update of XX/XX/XXXX, and an estimated removal date of XX/XX/XXXX. This reporting creates artificial recency and materially misrepresents the age and delinquency status of the account. The debt existed and was delinquent prior to XX/XX/XXXX. Additional documentation shows the same obligation was already being reported as delinquent by XXXX XXXX XXXX as of XX/XX/XXXX. Transferring or selling a debt does not permit resetting the Date of First Delinquency or reporting the account as newly opened.…

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I sent a written debt validation request to Debt Recovery Solutions , LLC on XX/XX/XXXX, regarding a payday loan account originally from Speedy Cash in the amount of approximately {$480.00} that is now being reported as {$2100.00}. XXXX confirms delivery and signature at the collectors office on XX/XX/XXXX. The collector did not provide any documentary validation of the alleged debt and continued to report the account to consumer reporting agencies. I disputed the account with XXXX XXXX XXXX XXXX, and in XXXX all three bureaus responded that the account was verified based solely on the XXXX certification, not on any documentary proof. I sent a second written demand for validation and deletion, which XXXX confirms was delivered to the collector on XX/XX/XXXX.…

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