The Receivable Management Services LLC

XXXX keeps reporting The Receivable Management Services LLC which is paid in full. CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : The Receivable Management Services LLC Amount : {$0.00} I am disputing this claim due to : The debt was paid in full and please delete from my credit report. I have uploaded correspondence from RMS. This is my formal request to have the aforementioned item removed from credit report. Enclosed is additional evidence to support my claim. Sincerely, XXXX XXXX XXXX.

On XX/XX/XXXX, I refused an international XXXX shipment ( Tracking Number : XXXX ) and clearly notified XXXX via email that I did not accept the shipment and would not pay any import duties or fees. XXXX confirmed that the shipment would be returned to the sender. In early XX/XX/XXXX, XXXX failed to return the package and instead lost the shipment. A claim was filed and later approved ( Case # : XXXX ), confirming that XXXX acknowledged the loss. Despite this, XXXX issued an invoice dated XX/XX/XXXX for {$200.00} in customs duties and brokerage fees. The payment due date was XX/XX/XXXX. I did not pay this invoice because I never received the shipment and had already refused it. On XX/XX/XXXX, XXXX added a late fee of {$20.00}. In late XX/XX/XXXX, this incorrect charge ( total approximately {$220.00} ) was sent to a collection agency ( The Receivable Management Services LLC ).…

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NOTICE OF CEASE AND DESIST & DEMAND FOR VALIDATION Date : XX/XX/year> To : The Receivable Management Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT. This is a formal notice sent to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I. CEASE AND DESIST ALL CONTACT Pursuant to 15 U.S.C. 1692c, you are hereby commanded to CEASE AND DESIST all communication with me regarding this alleged debt. I do not wish to be contacted by telephone, mail, email, or at my place of employment. XXXX. FORMAL DISPUTE & VALIDATION OF DEBT Under 15 U.S.C. 1692g, I am formally disputing the validity of this alleged debt in its entirety. I demand " XXXX of XXXX, " which must include : XXXX. Proof of Claim : An original " wet-ink '' contract bearing my signature as required by UCC XXXX XXXX XXXX.…

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Re : Formal Dispute of Inaccurate Credit Reporting FCRA 623 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to formally dispute the accuracy of information your company has furnished to the credit reporting agencies regarding the account referenced below. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information is prohibited from reporting information to a consumer reporting agency if that information is known to be inaccurate. At this time, I have reason to believe that the account you have reported does not meet the standard of accuracy and completeness required under federal law. The information being reported is inaccurate and/or incomplete. I am requesting that you conduct a thorough investigation of this matter.…

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I am disputing a collection account being reported by Receivable Management Services LLC on my credit report in connection with an alleged debt from XXXX XXXX in the amount of {$1100.00}. I do not recognize this debt as valid, and the collection agency has not provided sufficient verification to establish that I am legally responsible for this obligation. This account is being reported as a collection while also listed as an open account, which is inconsistent and misleading. To date, I have not been provided with : - A signed agreement or contract showing I am responsible for this debt - A complete and itemized breakdown of the balance - Proof that the collection agency has legal authority or assignment of this debt - Documentation verifying the accuracy and completeness of the information being reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be accurate, complete, and verifiable.…

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I am submitting a formal complaint regarding inaccurate, incomplete, and potentially unverified information being reported on my consumer credit file by Receivable Management Services. This collection account is currently reported as paid/closed, however the reporting furnished to consumer reporting agencies appears incomplete and does not demonstrate full data integrity or proper verification of all required account fields. The information being reported lacks sufficient supporting detail to confirm that it is accurate, complete, and not misleading as required under the Fair Credit Reporting Act ( FCRA ). Account in question : Date opened : XX/XX/year> Status : Paid, Closed Original balance : {$190.00} Highest balance : Not reported The tradeline is missing complete account data elements that are typically required to properly verify the accuracy and completeness of a collection account reporting.…

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I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

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( RECEIVABLE MANAGEMENT ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are hereby required to provide all of the following documentation and me to receive them within 10 days of receiving this letter : XXXX. Proof that the alleged debt has been securitized ; XXXX. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, Between your company and the original creditor ; XXXX. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; XXXX.…

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I requested validation of this debt and received documentation that contains conflicting and unclear balance information. The validation provided shows XXXX different amounts with no explanation of how the total balance was calculated. The XXXX final bill lists a total of {$220.00}, yet also states a total amount due of {$770.00}, without any itemized breakdown or explanation for the difference. Because the amounts are inconsistent and unsupported, the balance being reported can not be verified as accurate. Despite this, the account continues to be reported on my credit report. I am requesting that this account either be properly validated with a full itemized breakdown and clear explanation of all charges, or deleted from all credit reporting agencies

To Whom It May Concern, I am writing in response to your claim that I owe a debt allegedly associated with an account you say was opened on XX/XX/year>. This letter serves as a formal request for full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I am disputing this debt in its entirety and request that you provide complete documentation verifying its accuracy and legal ownership. Please provide the following : 1. The original signed loan agreement or application bearing my legally verified electronic or written signature 2. Full account history, including payment ledger and transaction records 3. Proof showing how the loan was funded and deposited ( bank account details used ) 4. Documentation of all communications allegedly confirming my identity or authorization 5. The name, address, and contact information of the original creditor ( XXXX XXXX XXXX ) 6.…

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I own a XXXX XXXX in XXXX XXXX, XXXX and do not take any XXXX. I do provide XXXX for XXXX to submit to their XXXX for XXXX reimbursement to themselves. After that XXXX submitted their XXXX, for a visit XX/XX/year>. I received a check from XXXX instead of the XXXX. I do not contract with XXXX. I never deposited the check, and this is confirmed with bank statements. I have spoked with XXXX claim collections at least 3 times confirming that the check was never deposited and I am not contracted with XXXX. Today, I received a letter from collections again requesting money from me for a check that they incorrectly sent me and that I never deposited. I left a detailed message for the collection agency but am concerned about the repercussions of them sending this to collections. It is completely unacceptable and I can't seem to make XXXX remedy the situation that they created.

This collection account contains inaccurate, incomplete, and unverified information. I previously disputed this item with the credit bureaus and/or the furnisher, but the information continues to be reported without proper validation. Under 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable investigation and delete any information that can not be verified. Under 15 U.S.C. 1681s2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection and provide validation upon request. The furnisher has not provided proper validation, yet continues to report this account, which is a violation of federal law.

This CFPB complaint is also a formal request for debt validation to RECEIVABLE MANAGEMENT SERVICES under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to RECEIVABLE MANAGEMENT SERVICES, along with any documentation confirming the nature of the transfer.…

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I am filing a complaint against Receivable Management Services LLC regarding a collection account reported on my credit file for XXXX. The original amount was {$160.00}, and this account has been paid in full on or around XX/XX/year>. The balance is now {$0.00}. Despite this, the account continues to be reported as a collection, which is negatively impacting my credit. I contacted the company directly and requested removal of the account as a goodwill adjustment. They refused and stated they do not offer goodwill deletions. I also requested validation of the continued reporting, but no sufficient documentation has been provided. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable. Since this debt has been satisfied, continued reporting as a collection is misleading and harmful.…

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I am submitting a complaint regarding an invalid debt that has been sent to collections by XXXX. I requested termination of my XXXX policy effective XX/XX/XXXX, in accordance with their required cancellation process. In subsequent phone conversations with XXXX, I was informed that my policy did in fact terminate on XX/XX/XXXX. However, I was then told that the policy was somehow renewed in XX/XX/XXXX, despite the fact that I did not request, authorize, or consent to any renewal of coverage. As a result of this unauthorized renewal, I was billed for XX/XX/XXXX, and a balance of {$590.00} has now been sent to collections ( Receivable Management Services LLC ). I have made numerous attempts to resolve this issue directly with XXXX via phone and chat, spending several hours on hold and speaking with multiple representatives, but no resolution has been provided.

Validation of Debt Request - RECMGMT SRVC - XXXXXXXX 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 XXXX 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 filing this complaint regarding The Receivable Management Services LLC for failure to provide proper debt validation and for reporting a collection account on my credit report without providing sufficient documentation verifying the debt. I requested validation of the alleged debt in writing and requested that all communication be conducted in writing for documentation purposes. Instead of providing validation, the company repeatedly instructed me to call them and has not provided the requested documentation in writing. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt and to receive documentation showing that I am legally obligated to pay, the amount is accurate, and that the collection agency has the legal authority to collect on the debt. Additionally, this account is being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), any information reported must be accurate and verifiable.…

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I am submitting this complaint regarding a debt collection issue that I believe may violate the Fair Debt Collection Practices Act ( FDCPA ). On or around XX/XX/year> I contacted the company regarding an alleged debt in the amount of {$200.00}. The communication was made via mail, and I never got an answer. On XX/XX/year>, I request validation of the debt, disputing the debt, despite this, the company failed to provide validation. I am requesting that this matter be reviewed and that the company be required to comply with applicable laws and regulations. Thank you for your attention to this matter.

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 XXXX 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 disputing a collection account being reported on my credit file related to XXXX XXXX. I do not recognize this debt and do not recall opening or authorizing this account. While reviewing my credit report I also discovered incorrect personal information, including an address in Ohio that I have never lived at and a name variation that is not mine. Because of these errors I believe my credit file may be mixed with another individual. I am requesting verification of this debt and removal of the collection account from my credit report if it can not be verified

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> The Receivable Management Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : FORMAL DISPUTE, DEMAND FOR VALIDATION, AND CEASE AND DESIST Account Number : not furnished To Whom It May Concern, I am in receipt of your communication regarding the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as a formal dispute of the alleged debt and a request for validation. Under 15 U.S.C. 1692g, I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor ; The amount of the alleged debt with an itemized accounting of all charges, interest, and fees ; Copies of any contract, agreement, or instrument bearing my signature that created the alleged obligation ; Documentation demonstrating your legal authority to collect this debt ; Proof that the alleged debt has been legally assigned or…

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I am submitting a formal complaint regarding this fraudulent account that have been reported on my credit file. I have multiple accounts honestly, and these accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and human trafficking and I did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1.…

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A debt of {$1400.00} is being collected by Receivable Management Services on behalf of XXXX and XXXX being characterized as a payroll overpayment. The amount relates to wages paid during a Leave of Absence that began on XX/XX/XXXX. On XX/XX/XXXX, I notified my supervisor in writing of my LOA dates ( XX/XX/XXXX through XX/XX/XXXX ) and requested that any remaining PTO/PDO be applied during the leave period. My supervisor acknowledged receipt of this communication the same day. At no point was I advised that PTO/PDO use during LOA was prohibited, that my PTO/PDO balance was exhausted, or that continued PTO/PDO use would result in an overpayment. XXXX subsequently processed payroll and issued payment. No contemporaneous notice of overpayment, payroll correction, repayment obligation, or wage recovery was provided at the time payment was issued or at the time of final paycheck issuance.…

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I am submitting this formal complaint to the Consumer Financial Protection Bureau because XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX did not conduct a reasonable reinvestigation of a disputed collection account, violating FCRA 1681i, and did not ensure maximum possible accuracy under 1681e ( b ). Additionally, as a victim of the XXXX XXXX data breach, XXXX now has a heightened obligation to ensure all data is fully verified. They have failed to provide any proof of the debt or compliance with XXXX XXXX standards. I demand immediate deletion of this account and full documentation of their investigation. If this is not resolved, I expect further regulatory action. I ask the CFPB to investigate XXXX noncompliance and ensure my rights under the FCRA are fully upheld.

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

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

Re : CFPB Complaint # XXXX Subject : Request for CFPB Enforcement of AgreedUpon Deletion Receivable Management / Progressive Insurance To Whom It May Concern, I am submitting this followup regarding CFPB Complaint # XXXX. In my original complaint, I clearly stated that : Updating the account to paid or closed is not an acceptable resolution, I am requesting a full deletion, And the collection agency no longer had legal authority to report the account once the original creditor accepted payment. Receivable Management responded to my complaint and explicitly confirmed in writing that they would initiate the removal of any credit reporting placed by our company once the account was closed. Their response stated : On XX/XX/year>, XXXX XXXX notified us of a payment in the amount of {$620.00}, satisfying your balance. Upon closing of your account, we will initiate the removal of any credit reporting placed by our company.…

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This collection account from XXXX XXXX for {$820.00} is inaccurate. The policy associated with this balance was canceled, and I was not properly notified of any remaining balance before the account was sent to collections. I did not receive a final bill or any written notice giving me the opportunity to resolve this amount prior to it being reported as a collection. I dispute the validity of this debt and request verification, including documentation showing how the balance was calculated, proof that the policy was active during the period charged, and evidence that proper notice was provided before sending the account to collections. Until this information is verified, I request that this collection be removed from my credit report.

I am disputing a collection account that your agency has reported on my credit file without providing me any advance notice or communication. This is my first awareness of this alleged debt, and I have substantial questions regarding its validity and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt your agency claims I owe. I am exercising this statutory right and demanding that you provide comprehensive validation, including documentation of the original creditor, itemization of the amount claimed, and proof establishing my legal responsibility for this debt. Until you furnish proper validation, all collection activities and credit reporting related to this account must cease immediately.

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