Optio Solutions, LLC

FINAL NOTICE DEMAND FOR PROPER VALIDATION OF DEBT & INTENT TO PURSUE LEGAL ACTION Qualia Collection Service ( QCS ) Account # XXXX Account Dispute Alleged Balance : {$1300.00} This serves as my formal final notice regarding the above-referenced account. I XXXX XXXX, previously disputed this alleged debt and requested full validation. Your response failed to meet the legal requirements under the Fair Debt Collection Practices Act, specifically XXXX XXXX. XXXX. You provided : - A copy of a lease already in my possession - A summary of charges without supporting documentation This does not constitute proper validation of a debt.…

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Under the FCRA, you are required to conduct a reasonable investigation of this matter within 30 days. If you can not verify the accuracy of this account with complete and documented evidence, you must delete it from my credit file. Request for Action : Conduct a thorough investigation of the disputed account Provide documentation verifying this debt, including original creditor information and proof of my obligation Delete the account entirely if it can not be verified as accurate Send me an updated copy of my credit report reflecting these changes Additionally, please provide the name, address, and contact information of any entity that verified this account. Please note that reporting inaccurate or unverifiable information violates federal law. Failure to comply with the FCRA may result in further action to protect my rights. I have enclosed copies of supporting documentation to assist in your investigation.…

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I paid a company approximately {$700.00} after they promised XXXX remove my collection account from my credit report. They clearly stated that the debt would be deleted once I made the payment. After receiving my payment, they did not remove the collection account as promised. The debt is still showing on my credit report, XXXX they have not fulfilled their agreement. I feel misled XXXX deceived, as I paid specifically for this service XXXX did not receive what was promised. This appears XXXX be a false representation of their services. I am requesting that this issue be investigated XXXX that the company be held accountable. I also request either the removal of the collection account as promised or a full refund.

I am writing to dispute a debt listed by XXXX Corners ( Account XXXX XXXX ) for approximately {$1800.00}. I am a victim of identity theft, and this account was opened fraudulently without my knowledge or consent.I have confirmed with XXXX corners that the Social Security XXXX associated with this fraudulent account does not match my own. This discrepancy proves that the account does not belong to me and was established using incorrect personal identifiers.

Date : XX/XX/XXXXXXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Regarding Incorrect Debt Collection and Credit Reporting To Whom It May Concern, I am submitting this complaint to request assistance regarding an inaccurate collection account that has been reported under my name and is negatively affecting my credit report. A collection account in the approximate amount of {$1700.00} related to an apartment in XXXX, Florida has been reported against me. I dispute this debt because I am not legally responsible for this obligation. The apartment application associated with this matter was submitted by me while I was planning to attend college in XXXX. After receiving the lease agreement and reviewing the terms, I discovered that the monthly rental amount included numerous additional fees that appeared excessive and unfair. As a result, I cancelled the agreement approximately forty-eight days before the intended move-in date.…

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b'I am filing this follow-up complaint because Qualia Collection Services provided false and misleading information in their previous response to the CFPB, therefore misrepresenting its compliance with the FDCPA and FCRA in previous communications. The company claimed they provided me with a written validation notice; however, I have never received such a notice. In the previous claim, Qualia agreed to send information without addressing the original violations.\n\nIn XXXX XXXX, Qualia initiated contact via a threatening phone call and contacted my family members without my permission. Under 15 U.S.C. 1692g, they were required to send a written notice within five days of that contact.…

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This is an unauthorized account that is negatively reflecting my credit profile. Please help me to rectify this error/fraud. To Whom It May Concern, I am submitting this complaint regarding a debt collection account that is being reported and/or collected without proper validation. I formally requested debt validation from the collection agency pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, the collector has failed to provide sufficient documentation verifying : The original creditors full legal name and address A complete accounting of the alleged debt Documentation bearing my signature showing I agreed to the obligation Proof the collector has legal standing/authority to collect Verification that the amount reported is accurate Despite my request, the account continues to be reported and/or collection activity persists. This is a direct violation of federal law.…

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A written dispute regarding an alleged rental move-out balance associated with XXXX at XXXX, managed by XXXX XXXX, was mailed on XX/XX/year>. The dispute requested validation of the charges and supporting documentation, including an itemized accounting of the alleged balance and documentation supporting any move-out charges. On XX/XX/year>XXXX XXXX XXXX acknowledged receipt of the dispute by email to the co-resident on the lease. In that email response, the company stated that they had reviewed the account and considered the dispute closed. However, no documentation validating the alleged charges was provided. Instead, the company directed the consumer to review information through an online payment portal. Directing a consumer to an online payment portal does not constitute proper validation of a disputed debt. No itemized ledger, lease documentation, or supporting evidence of the claimed balance was provided despite the written request for validation.…

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I am disputing the validity of the alleged debt ( Account # XXXX ) being collected by Qualia Collection Services ( Optio Solutions , LLC ). This debt stems from move-out " cleaning fees '' charged by XXXX XXXX in XXXX, which I previously disputed with the original creditor by providing time-stamped photos and a receipt from a professional cleaning service proving the unit was left in excellent condition. Violations of the FDCPA and FCRA : Failure to Validate : On, XX/XX/XXXX I responded to a collection text from this agency and formally requested validation of the debt. To date, I have received XXXX response, XXXX itemization of charges, and no proof of liability. Unlawful Collection Activity : Despite my timely dispute, the agency failed to provide validation and instead proceeded to report this as a derogatory item on my credit report in XX/XX/XXXX.…

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I had an early departure from the property due to an unaddressed gas leak. I filed several complaints that were repeatedly closed by management and left for health reasons. XX/XX/XXXX a collection appeared from XXXX XXXX on behalf of the creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Due to unforeseen circumstances and financial hardship that ensued after having to leave my place and my job to relocate to another state to live with someone, I was not able to pursue legal action against this property. XX/XX/XXXX I receive email correspondence from XXXX XXXX offering a settlement opportunity. I responded by phone and requested mail correspondence for a pay to delete agreement. The agency and creditor urged this settlement opportunity is time sensitive so I did agree to pay-to-delete verbally and stated the agreement needs to be sent by mail correspondence. I started paying toward the settlement immediately cashier check on XXXX, XX/XX/XXXX, and XX/XX/XXXX.…

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Validation of Debt Request - QUALIA ( XXXX XXXX XXXX XXXXXXXX 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 ) XXXX, 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 was a tenant at the apartment and I am not disputing that I lived there. However, a {$990.00} rental collection account has been reported to my credit report for alleged floor damage after I moved out. The damage in question was minor and limited to a small area of flooring. It does not reasonably justify a {$990.00} charge. My full security deposit of approximately {$430.00} {$440.00} was already withheld. Charging an additional {$990.00} on top of the entire deposit is excessive and disproportionate to the level of damage. Based on the minor nature of the issue, the total amount being claimed appears unreasonable. I contacted the company and requested proper debt validation and a detailed, itemized breakdown of the charges, including documentation such as invoices, repair estimates, or contractor bills showing how the {$990.00} amount was calculated. The company has not provided any supporting documentation.…

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Validation of Debt Request - XXXX XXXX SERV - XXXXXXXX XXXX XXXXXXXX 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 filing this complaint against Qualia Collection Services ( Account # XXXX / Ref # XXXX ) for clear violations of the FCRA and FDCPA. XXXX. Illegal Re-aging : This debt from XXXX at XXXX originated in late XXXX. However, the company is reporting a 'Status Date ' of XX/XX/XXXX on my XXXX report. This is a fraudulent attempt to make an old debt appear as new. XXXX. Deceptive Tactics : Their online portal forces a payment date of XX/XX/XXXX, without my consent. XXXX. Lack of Good Faith : I attempted to settle this for {$800.00}, but the company was arrogant and refused to provide proper verification or a fair negotiation. I demand the IMMEDIATE REMOVAL of this inaccurate and deceptive reporting from my credit file. ''

I contacted this company in writing to request validation of the alleged debt and to attempt good-faith resolution. The company has not responded to my written requests and continues reporting my account on my credit reports. I am requesting that the company either provide proper validation of the debt or remove the account from my credit reports.

QUALIA is falsely reporting on my credit. I have never had any accounts with them. Per my research QUALIA 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 this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days.…

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I have communicated with Qualia Collection Services in regards to a debt attempting to be collected. I have requested and received documentation proving this debt to be unverifiable as well as deleted from my account. It has been successfully deleted, however Qualia has contacted me stating this debt will still be attached to me. I do not claim this debt. I communicated legal matters to the management regarding this building and ultimately did not feel safe in these premises. I have also notified to staff the tenant utilizing this particular unit in question has illegally occupied it as an XXXX amongst another unit. Upon finding out and not agreeing to the decisions being made ; it resulted in retaliation towards personal affairs and business ; and has tried to get me kicked out my former apartment located in XXXX. I did not have physical access to this apartment. I have gotten bullied and gang stalked.…

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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 licen

QCS is engaging in deceptive practices and making false representations to the CFPB. In their response to my previous complaint XXXX, QCS claimed they 'sent proper notice as required by law. ' This is a verifiable falsehood, as QCS does not have my mailing address, nor have I ever provided XXXX and I have never received any written correspondence from them. Furthermore, the initial contact from QCS was a phone call on XX/XX/year> where the representative made threats to place the debt on my credit if I did not pay. No legal disclosures ( Validation Notice ) were provided during the call, and because they do not have my address, they could not have mailed the required written notice within 5 days, violating FDCPA 1692g. QCS 's statement to the Bureauclaiming they will 'mail verification'is a further deception given their lack of contact info.…

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I contacted the collection agency regarding an account they are reporting on my credit report, during the call I was informed that the company does not have documentation. I requested validation of the debt and asked for the account to be removed due to lack of proper authorization and the refused. I believed this inaccurate and unfair.

I contacted the collection agency regarding an account they are reporting on my credit report, during the call I was informed that the company does not have documentation. I requested validation of the debt and asked for the account to be removed due to lack of proper authorization and the refused. I believed this inaccurate and unfair.

I am filing this complaint regarding an inaccurate rental debt reported by my former apartment management. In XX/XX/year>2025, I contacted the apartment management regarding disputed charges on my final statement. I had already paid {$1700.00}. In their written response, the management stated that the lease break fee was {$2100.00} and that the prorated amount had been corrected. However, the amount later sent to collections was {$3700.00}, which is significantly higher than the lease break fee they previously stated. I continued to follow up in XX/XX/scrub> 2025 requesting clarification and correction of the balance, as they had repeatedly indicated that the amount would be adjusted. Despite these assurances, no corrected final balance was ever provided to me. Despite the unresolved dispute and inconsistent amounts, the apartment management sent the alleged balance to a collection agency.…

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XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of certain information appearing on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The following account is being reported inaccurately and/or can not be properly verified : Creditor Name : XXXX Collection Service Account Number : XXXX I dispute this account in its entirety. I do not recognize this debt as reported and request that you provide full verification, including : - Proof of the original agreement bearing my signature - Complete payment history - Documentation showing the account balance is accurate - Proof that the reporting party has the legal right to report this account If you are unable to verify this account as required by law, I request that it be * * deleted immediately * * from my credit file.…

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Im submitting this complaint regarding a collection account reported by Qualia Collection Services. In or around XX/XX/XXXX, a move-out charge of {$270.00} from my former apartment was sent to collections and reported by Qualia Collection Services . On XX/XX/XXXX, I paid the full balance of {$270.00}, and the account balance is now {$0.00}. After the payment, I disputed the account with XXXX and XXXX and provided proof of payment. On XX/XX/XXXX, XXXX responded that the account was verified as accurate but updated to reflect the paid status. XXXX later responded that the account information was updated to show a XXXX balance and recent payment activity ; however, the collection account continues to be reported. I am not disputing that the original charge existed. This was a one-time move-out charge related to a former apartment.…

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XXXX XXXX [ XXXXXXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, WA XXXX ] Dear [ XXXX XXXX XXXX ] , I am writing in response to the recent communication 1 received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information to substantiate your claim. I kindly request that you provide the following documentation : 1. The original creditor 's name and contact information. 2. The original account number associated with the alleged debt. 3. Detailed information about the nature of the debt, including the dates and amounts of all transactions or charges. 4.…

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this collections agency failed to provide me with debt validations letter and Under 15 U.S. Code 1692g, debt collectors are required to send a letter within five days of their initial communication. This letter must include : The amount of the debt owed. The name of the creditor to whom the debt is owed. A statement that if the consumer disputes the debt within thirty days, collection efforts will cease until the debt is validated so they violated my right.

I am disputing a collection account reported by Qualia Collection Services related to an apartment I lived in in XXXX. This account was recently placed into collections years after move-out. I disputed the account with XXXX, XXXX XXXX and the dispute was marked resolved without clear validation or documentation. Qualia Collection Services has failed to provide proper debt validation, but stated that they tried reaching out. I dont have an email they claim they sent including an itemized breakdown of charges, a copy of the lease, proof of move-out accounting, and proof they have legal authority to collect this debt. I did not receive proper notice of this alleged debt prior to it being reported to my credit. As reported, the account is inaccurate and unverifiable under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.…

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I am being contacted repeatedly regarding an alleged debt of {$3800.00} that I do not owe. There is no money judgment against me, and the amount being demanded was never awarded by any court. The only court case involving this matter was a housing/eviction action in XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ), with a hearing held on XX/XX/year>. This eviction case was filed regarding XXXX rent. XXXX rent in the amount of {$2200.00} was paid in full before the court date, and I still appeared at the XX/XX/year> hearing to inform the court and the landlord that payment had already been made. Despite this, the landlord and Qualia Collection Services are now attempting to collect {$3800.00}, an amount that : Was never ordered by a court Includes rent after I vacated the unit Is not supported by any judgment or lawful debt determination The company has been calling me repeatedly to collect this disputed amount.…

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I disputed an apartment collection account for {$1500.00} reported by Qualia Collection Services. I moved out of the apartment in XX/XX/XXXX, and the account appeared on my credit report in XXXX. I sent a written debt validation request. XXXX responded by providing a lease, resident ledger, and move-out charges but failed to provide proof of legal authority to collect, such as an assignment, contract, or bill of sale from the original creditor. Despite failing to fully validate the debt, the account continues to be reported to XXXX XXXX XXXX XXXX. I am requesting deletion of this account and cessation of collection activity unless proper legal authorization is provided. I will attach my letter I sent to them and what they sent to me below.