Mrs Bpo, LLC

On XX/XX/year>, I sent a formal written debt validation request to MRS BPO , LLC via email and certified mail regarding an alleged XXXX XXXX XXXX Their text messages referenced a settlement amount of {$96.00}. Despite receiving my validation request, MRS BPO continued to contact me via text message at least 7 times without providing any debt validation, in violation of 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. I also never received the required written validation notice within 5 days of initial contact as required by the FDCPA. Their initial contact was made via text message only, which does not satisfy the written notice requirement. I sent a formal cease and desist notice on XX/XX/year> instructing them to stop all contact and to respond in writing only. They ignored both the validation request and the cease and desist notice and continued sending text messages. I have documented all XXXX text message contacts made after my validation request was received.…

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To Whom It May Concern : I am sending this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect…

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I am filing a complaint against MRS BPO LLC for improper third-party communication. This company has been sending text messages to my phone number attempting to collect a debt from another individual which I do not owe and am not responsible for. In these messages, the company disclosed specific debt information, including the creditor and the alleged balance. I did not consent to receive this information, and I am not the debtor. The disclosure of this information to me, a third party, appears to violate the Fair Debt Collection Practices Act. I have received multiple messages despite having no connection to this account. I am requesting that the company cease all contact with me immediately.

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent.…

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I am formally disputing this alleged debt in full and requesting validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge this debt this is my first time hearing about a debt supposedly belongs to me from this company and I request the following information : 1. Full original creditor documentation ( XXXX, XXXX ) 2. Complete account history and itemized charges 3. Copy of the original signed agreement or contract showing liability 4. Proof this debt belongs to me specifically ( identity verification and chain of ownership ) 5. Date of alleged account creation and last activity 6. Full authorization showing MRS BPO LLC is legally permitted to collect this debt 7. All documents verifying the accuracy and legal standing of this debt Documents provided showing this debt was mailed to my physical home address as an attempt to collect a debt.…

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A collection agency ( MRS BPO ) is reporting a debt of approximately {$60.00} on my credit report for a XXXX XXXX Home Internet account. This debt is the result of incorrect billing information provided by XXXX own customer support representatives. Before switching internet providers, I contacted XXXX online chat support on multiple occasions occasions ( late last year ) to confirm when to stop my autopay to avoid being charged for a month I did not intend to use. Multiple representatives gave me the same guidance, which I followed. Despite this, XXXX charged my account approximately {$60.00} after I canceled service. When I contacted XXXX to request copies of the chat transcripts showing the incorrect guidance their representatives provided, XXXX told me I would need to file a subpoena to obtain records of my own customer support interactions.…

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I am disputing an alleged credit card debt that is being collected by a third-party debt buyer and its affiliated entities. I previously submitted a written dispute requesting full validation of the debt and proof that the account is attributable to me. Specifically, I requested a signed agreement, a complete chain of title, proof of identity attribution, and a full accounting of the balance. I also informed the company that my personal identifying information was exposed in a confirmed data breach, which increases the risk of misattribution. In response, the company and its affiliates, including XXXX XXXX XXXX and XXXX XXXX XXXX, failed to provide proper validation. Instead, they provided self-generated account summaries and incomplete documentation that does not establish that I incurred the debt. The materials provided are not original creditor records and do not demonstrate a contractual relationship or accurate identity attribution.…

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On XX/XX/year>, I received a communication from MRS BPO , LLC, claiming I owe {$730.00} on a XXXX XXXX account. I dispute this debt in full. I request immediate validation under the Fair Debt Collection Practices Act ( FDCPA ), including a complete, itemized statement showing all charges, fees, interest, and how the total {$730.00} balance was calculated. I need this documentation to determine whether the debt or the additional charges are accurate. I have contacted XXXX XXXX regarding this account, and any unverified or incorrect charges should be removed or corrected with XXXX immediately. MRS BPO must cease all collection activity until proper validation is provided. If MRS BPO can not provide full itemized verification of the debt, I request : XXXX. XXXX removal of the account from all credit reporting agencies. XXXX. Written confirmation that the debt will not be pursued or reported further. XXXX. Correction of any inaccurate charges with XXXX XXXX.…

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I paid the balance to third party collections MRS BPO. They do not credit report they advised they have closed the account and notified XXXX. I called XXXX they are saying they dont see the balance as XXXX and keep sending me back to the collections they will not communicate with each other and remove this balance or update it as paid. I was also told on a recorded line this debt was pay to delete and paid the payment now they are saying they do not do that. I have been given false information in order to obtain a payment for a debt that I called to pay.

On XX/XX/XXXX, I mailed certified mail to creditor company requesting method of validation + verification of said collection. The company has not participated in the investigation with the 3 reporting credit companies to remove account. It has not verified the said debt because the debt is not verifiable because it is not mines.

XXXX of XXXX MRS BPO derogatory report hit my credit score originally from spectrum. I had not had spectrum since XXXX and when I closed the account it showed clear and I never received communication attempts from them. Then I started getting texts from MRS BPO on my phone but their links would take me to a website and when I tried to enter my name phone number and last XXXX of social it would say they have no account for that information. I never got any emails or physical mail nor did the texts give me an account number. I have tried emailing their customer service team at least XXXX times and have had no response back.

My name is XXXX XXXX. Im writing a complaint from a company called MRS BPO and their phone number is XXXX. They said I owe them over {$4000.00} from a XXXX account. In the past due XXXX bill from XXXX is {$3400.00}. I asked them to provide me documents that they own the debt from XXXX and to mail it to me. When I talk to the person on the phone, they said they have no way to provide them documents and I told them they had to give it to me within 30 days. And he still constantly calling.

MRSBPO is falsely reporting on my credit. I have never had any accounts with them. Per my research MRSBPO 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.

Subject : Formal Debt Validation Demand and Notice of FCRA & FDCPA Violations To Whom It May Concern, I am writing in response to your reporting and/or attempted collection of an alleged debt associated with my personal information. This letter serves as a formal demand for validation of the alleged account pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). At this time, I dispute this alleged debt in its entirety. You are hereby required to provide full validation of the alleged obligation, including but not limited to : 1. The name and address of the original creditor. 2. The original account number and the current account number used by your company. 3. A complete itemization of the alleged balance, including principal, interest, fees, and charges. 4. A copy of the original signed contract or agreement bearing my signature that created the alleged obligation. 5.…

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I am writing to dispute a charge of {$300.00} on my credit account. The charge is an error because I called XXXX to terminate my wifi plan and to close the account on XX/XX/year>. After I closed my XXXX account, I mailed XXXX wifi equipment to them so that I would not be charged. Shortly after, a collection of {$200.00} appeared on my credit report around XX/XX/year>. I asked XXXX to provide information in regards to this collection in which they did not. After my inquiry, a company named MRS BPO charged me a collection of {$300.00}. I was not notified of why there is a debt collection and who is the original owner. They are reporting 2 separate balances for a collection. This is a misleading balance. The original collector, XXXX, is reporting a balance and a contractor is reporting a different balance. I have been asking for validation and have not been provided any information at all.…

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I am submitting this complaint regarding the actions of MRS BPO , LLC, which is attempting to collect a debt that I do not owe. This matter appears to be the result of identity theft, and the company has failed to provide any legally sufficient documentation demonstrating that the debt is valid, that they own the debt, or that they have the legal authority to collect it. I received a text message from MRS BPO , LLC attempting to collect an alleged debt around the last week of XXXX 2026. I sent a " STOP '' reply text back, which the company replied backed to honor. Despite this request, the company continued contacting me. Specifically, on XX/XX/year>2026 at approximately XXXX AM, MRS BPO , LLC placed a phone call to me after I had already requested that they stop contacting me. This conduct raises serious concerns regarding violations of federal consumer protection laws.…

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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.

XXXX claims I owe them from a closed account from years ago but I have receipts verifying that my account was settled. XXXX denies this and keeps trying to find another debt collection agency to collect on me. Every time I send the new collection agency the receipts and they drop it but this time, Mrs BPO, the current collection agency does not respond to my proof or even to my attorney 's insistence that they comply with the law regarding collection matters. I have tried the XXXX but Mrs BPO has lied to them.

MRSBPO is falsely reporting on my credit. I have never had any accounts with them. Per my research MRSBPO is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX 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.

Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Validation of Debt Request - MRS BPO LLCXXXX - XXXX XXXX XXXX XXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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.

Being charged for product I dont have or returned. The debt is invalid due to XXXX credits. Spoke to MRS agent who reluctantly didnt want to talk to me but then changed her tune after I asked her to speak to a supervisor. I am the person who initially opened the account and this is where I have been getting the runaround. Returned the phone within 30 days mark and it was never put in the system that it was in warehouse. No communication and now she threatened that it would be put on a credit report. I can not have this ruin my husbands credit. Please advise

On XX/XX/year>, MRS BPO LLC texted me at XXXX PM, telling me to contact them concerning a matter with XXXX XXXX, XXXX. It then said that XXXX is a collection agency. ( See attached screenshot ). I responded via a contact form on their website and asked why they were contacting me at XXXX PM which is a violation of federal law. I got no response. They eventually sold the debt to someone else early this year. According to letters I received, XXXX XXXX info is as follows : XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XXXX Acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX

A debt is listed on my credit report from 15 years ago, I spoke to XXXX ( XXXX on XXXX2025 ) because I didn't know what the debt was for. The representative said that she could not locate an account, and that its past their collection rights. I then filed a complaint with TransUnion, and with the PA Attorney general. Because I moved to WV XXXX ago they mailed me a letter saying this issue was transferred to the WV Attorney general. I haven't heard anything from them. Since I made this complaint, a new collection agency is texting, calling and emailing me ( MRS BPO XXXX )

sent them information that the information is not mine also not accurate they need to remove these off my credit account because they didn't provide a reasonable investigation by 15 Usc 1681 ( a ). XX/XX/XXXX {$250.00} provided a validation letter to XXXX XXXX XXXX about this matter and XX/XX/XXXX, also XX/XX/XXXX they had a data breach in XXXX XXXX also request a ACDV record.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern I am writing this letter in response to your communication regarding the above-referenced account.this is a request for validation made pursuant to my rights under the fair debt collection practices act.i dispute this debt an request that you provide verification of the following 1.the name and the address of the original creditor 2.the full amount of the alleged debt, including an itemization of interest, fees, and charges 3.documentation showing I am legally obligated to pay this debt 4.proof that your agency is authorized to collect on this debt Until you provide proper validation, request that you cease all collection activity and communication with me regarding this account Thank you for your cooperation Sincerely, XXXX XXXX XXXX

RE : FORMAL DISPUTE, CEASE AND DESIST, AND DEMAND FOR DEBT VALIDATION Account Number : [ Insert Account Number if known ] Original Creditor : [ If Known ] NOTICE OF DISPUTE This letter serves as a formal dispute of the alleged debt referenced by your company. I do not acknowledge, admit, or accept liability for this account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting full validation of this alleged obligation. You are hereby placed on notice that this debt is disputed in its entirety. DEMAND FOR FULL DEBT VALIDATION FDCPA 809 ( b ) You must provide competent evidence that I have a legal obligation to pay. Statements or internal summaries are NOT sufficient validation. Provide the following : The original signed contract or agreement bearing my signature creating the alleged obligation.…

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XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Re : Account Number XXXX To Whom It May Concern, I am responding to your contact regarding the above-referenced account. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act. Please provide the following : 1. The name and address of the original creditor 2. The full account number 3. The amount of the alleged debt, including a breakdown of fees, interest, and charges 4. Proof that your company is legally authorized to collect this debt 5. A copy of the original signed agreement or contract 6. Proof that the statute of limitations has not expired Until you provide proper validation, I request that you cease collection efforts and communication with me. If you can not validate this debt, I request that it be removed from my credit report. I prefer all communication in writing. Sincerely, XXXX XXXX

In XX/XX/year>, I closed my XXXX XXXX account in person at a XXXX retail location. At that time, all devices on the account were fully paid off, all outstanding balances were paid in full, and I was explicitly assured by the XXXX representative that the account was fully closed with no remaining balance. I have had no active XXXX services or lines since that time. Despite this, an unexplained balance of {$2500.00} later appeared on the account and was sent to collections without any itemized bill, final statement, or written explanation of the charges. I never received documentation explaining how this amount was calculated. Before the account was sent to collections, I contacted XXXX approximately 1520 times by phone. During these calls, multiple XXXX representatives acknowledged that the balance was an error and assured me it would be corrected. I was also told that call recordings and confirmations would be provided, but I never received them.…

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