Debt Recovery Solutions, LLC

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FRA ), your agency has failed to provide adequate legal validation of the alleged debt.

I am filing this complaint against Debt Recovery Solutions , LLC regarding its reporting and collection of an alleged debt that it attributes to XXXX. Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The underlying XXXX account has already been resolved and removed from my credit reports. Despite that, Debt Recovery SolutionXXXX continues to attempt to collect and report an alleged balance. I have never entered into any agreement or business relationship with Debt Recovery Solutions, and I dispute that I owe this company any debt. I have already notified Debt Recovery Solutions in writing that I dispute this alleged debt and demanded that collection efforts cease. Despite my dispute, the company continues to report or attempt to collect this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, furnishers of information have a duty to report accurate information and to conduct a reasonable investigation when a consumer disputes information.…

XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> * * Via Certified Mail Return Receipt Requested * * Debt Recovery Solutions , LLC XXXX XXXX XXXX # XXXX XXXX, NY XXXX * * RE : Formal Notice of Cease and Desist ; Demand for Debt Validation and Preservation of Rights * * To Whom It May Concern : This correspondence shall serve as my formal notice and demand pursuant to the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq., regarding your alleged claim against me. I dispute the validity of the alleged debt in its entirety. This letter shall not be construed as an acknowledgment of liability, an admission of indebtedness, or a waiver of any rights, remedies, defenses, or causes of action available to me under federal law, state law, or common law. Any implication to the contrary is expressly denied. Accordingly, pursuant to 15 U.S.C.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : DRS - XXXXXXXX XXXX XXXX XXXX XXXX : {$930.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This 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 F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

I was a victim of Identity theft in XXXX there were multiple accounts opened up in my name fraudulently. DEBT RECOVERY SOLUTIONS is reporting a collection account that is fraudulent and I want to submit a formal complaint against them. have identified the accounts and now am able and have the spirit to fight this challenge and work on getting my life back. I work full time and raise a family and this has caused a great deal of stress on my family. Filed the FTC Fraud report and contacted the companies reporting the information as well as contacted the police. Please help me fight this and get my issues resolved. Thank you

I am formally notifying you that, effective immediately, you must cease and desist all communication with me regarding any alleged debt your company claims I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), once a consumer provides written notice to stop communication, a debt collector must immediately halt all contact except to confirm one of the following : 1. You are terminating further collection efforts, or 2. You intend to take a specific legal action. This letter serves as my official written notice. You are not permitted to call, text, email, mail, or otherwise contact me regarding this matter. Additionally : You are not authorized to contact my family, employer, neighbors, or any third party. You are not authorized to report or re-report inaccurate or unverified information to any credit bureau. Any continued communication after receipt of this letter will be documented as a knowing and willful violation of federal law.…

To Whom It May Concern : I am submitting this formal complaint and dispute regarding multiple collection accounts currently appearing on my consumer credit reports. I am requesting an immediate investigation into the accuracy, completeness, and verifiability of the information being reported. This letter is being sent directly by the consumer. It is not a XXXX-party credit repair organization or agency. The collection accounts at issue are being reported using inaccurate identifying information, including outdated addresses and information associated with my former maiden name. The reporting of inaccurate personal identifying information raises serious concerns regarding the procedures used to verify these accounts and whether the information being furnished complies with the Fair Credit Reporting Act.…

To Whom It May Concern : I am submitting this formal complaint and dispute regarding multiple collection accounts currently appearing on my consumer credit reports. I am requesting an immediate investigation into the accuracy, completeness, and verifiability of the information being reported. This letter is being sent directly by the consumer. It is not a third-party credit repair organization or agency. The collection accounts at issue are being reported using inaccurate identifying information, including outdated addresses and information associated with my former maiden name. The reporting of inaccurate personal identifying information raises serious concerns regarding the procedures used to verify these accounts and whether the information being furnished complies with the Fair Credit Reporting Act.…

debt recovery solutions is trying to get money owed to me from XXXX XXXX. I found this out from my consumer credit report. XXXX XXXX impersonated lawyers or federal agents, or debt recovery did through emails, which went to my spam. They were telling me I would be sued or face legal pentalies etc. I can't find the emails because I deleted them. I obtained the loan from XXXX XXXX, which is located in south carolina. I live in north carolina, so this is illegal to offer a payday loan to someone in a different state.

I settled this collection account with Debt Recovery Solutions approximately 60 days ago for {$290.00} under an agreement that the account would be removed from my credit report. The account is still reporting an open balance and has not been deleted or updated correctly with the credit bureaus. I have contacted the company and was told the deletion/update was still processing, but the inaccurate reporting continues to negatively affect my credit score. I am requesting that the account be updated or removed immediately and that the inaccurate balance reporting be corrected with all credit bureaus.

the debt owe is XXXX for a furniture set that was charge off due to the company not fixing the broken wood and harassment calls from local store

I REFUSE TO PAY THIS DEBT. This is my formal request to cease collection activities and communication. Collection activities include reporting to consumer reporting agencies. My formal request for validation of the account in question. My formal request for ALL Original Account Level Documentation NOT AVAILABLE Original Account Level Documentation. Please provide the name of the person who claims to have requisite/personal knowledge of the facts, and geniuses or authenticity of the account including possession of XXXX documents. This person should be able to establish a prima facie case per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ]. Requisite/personal knowledge can not be based solely upon the books and records from your entity. Proof original account level documentation has been reviewed by the same person. This person must be familiar with the original creditors record keeping practices.…

* Fails to provide adequate documentation, * Ignores your requests, * Or continues reporting inaccurate information,

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

According to credit report simple fast loans says i owe XXXXXXXX XXXX and it was sent to a collection agency. Of which i have no knowledge of this. I guess it was sold to debt recovery solutions.

There is a XXXX account that appears on my credit report. This account does not belong to me, and I believe it is the result of identity theft. I have never applied for, opened, or received a payday loan through XXXX or any similar payday lending company. I recently reviewed my credit report on the XXXX of XXXX and was shocked to discover an account showing a balance of {$2200.00}. This is the first time I became aware of this account. Because I did not authorize this account, I request that any information related to this fraudulent account be removed from my credit report as it is ruining my credit and that I be provided with documentation regarding the removal of this account. I affirm that I am a victim of identity theft and that this debt is not mine. I shall also be updating the authorities and making a police report. Please update your records accordingly and notify all applicable credit reporting agencies of the disputed status of this account.

I am filing this complaint regarding a collection account reported by Debt Recovery Solutions in the amount of {$590.00} AND {$510.00} I am the victim of ongoing identity theft. Over the past several years, fraudulent accounts and collections have repeatedly appeared on my credit reports without my knowledge or authorization. I have previously reported identity theft to law enforcement and federal agencies, and I have submitted identity theft documentation to the credit bureaus and creditors regarding these incidents. While my prior police reports may not specifically identify this newly reported collection account, they document the ongoing identity theft activity affecting my personal information. The appearance of this Debt Recovery Solutions collection account is consistent with the pattern of fraudulent activity that has been occurring on my credit file.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Account Number ; XXXX To Whom It May Concern : I am in receipt of your communication regarding the above-referenced account. I dispute this alleged debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a formal notice that I dispute the validity, accuracy, and completeness of the alleged debt. This correspondence is not a refusal to pay, an acknowledgment of liability, nor a promise to pay. All rights are expressly reserved. Please provide competent evidence that I have a legal obligation to pay this debt, including : 1. The name and address of the original creditor. 2. The original account number. 3. The date the account was opened. 4. The date of default. 5.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I am writing XXXX formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, XXXX proof that I am responsible for this debt. I am making this request XXXX ensure the information being reported is accurate XXXX not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity XXXX reporting related XXXX this account, as allowed by law.

I disputed this information through transunion. I requested the payment history.My signature and proof that they own the debt. The only thing I received was a letter back from transunion, said that the debt was mine. The company 's name is Debt Recovery Solutions. The amount is {$3700.00} The account was opened XX/XX/year>. Last reported XXXX XXXX. I'm asking for proof that this is my account, they own the debt and there was no insurance payout on this account. That they claim is mine.

Im writing to file a complaint against [ Collection Agency Name ] for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

DEBT RECOVERY SOLUTIONS have been. threaten me over debt that doesn't belong to me I am a victim of human tracfikking and they can not give me vertifcation. that this is my account and my doing. The are illegally keep this on my account breaking rules.

I am submitting this complaint regarding DEBT REC SOL account # XXXX concerning a collection reported to all XXXX credit bureaus in the amount of {$2700.00}, this account is not accurate, a lot of miss information on this account On XX/XX/year>, I noticed that this collection was reported on my report. The amount involved was {$2700.00}. I contacted the company on XX/XX/year> by phone and mail and spoke with XXXX XXXX. I explained the issue and requested a correction, investigation, and removal since its incorrect. The company responded by all they mentioned was it has been validated with no explanation. Despite my efforts, the issue has not been resolved because it is still on my credit report. Actions I have taken include : XX/XX/year> Contacted the company and requested assistance. XX/XX/year> Submitted documents or proof. XX/XX/year> Followed up regarding the status. XX/XX/year> Received denial/no response/incorrect resolution.…

I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

I am formally disputing the accuracy and validity of a medical debt that has been reported on my credit file. I have never received proper notice of this debt from your company or the original creditor prior to it being reported. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as I was not given the opportunity to validate or dispute the debt before it was placed on my credit report. I am requesting full validation of this alleged debt. Specifically, please provide : 1. The name and address of the original medical provider. 2. The date ( s ) of service associated with this account. 3. An itemized statement of charges. 4. The date this account was assigned or sold to your agency. 5. Documentation showing I was properly notified of this debt prior to credit reporting. 6. Proof that you have the legal authority to collect on this account.…

I am submitting this complaint regarding a fraudulent account that has been improperly reported to my credit file. In XXXX, I was a victim of identity theft ; however, I did not become aware of the fraud until XXXX. An unknown individual used my personal information to obtain payday loans without my knowledge or authorization. Upon discovering the fraud, I immediately contacted the companys fraud department. I was instructed to file a police report and submit the documentation for investigation. I complied with all requested steps and was provided with a reference number confirming the reported incident. Despite this, in XXXX, a collection agency has placed this fraudulent debt on my credit report. This account does not belong to me, and I have previously reported it as fraud. I am requesting that this matter be fully investigated, the fraudulent account be removed from my credit report, and that appropriate action be taken to prevent further harm to my credit.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX Date open XX/XX/year> DRS Balance Updated XX/XX/year> Amount {$7500.00} Request Debt Validation Request Under the FDCPA To Whom it May Concern : I am Formally requesting validation of the alleged debt referenced in your recent communication. Under the Fair Debt Collection Practice Act ( FDCPA ), you are required to provide full verification before any further collection activity. Specifically, I request : XXXX. A signed purchase or assignment agreement, signed by all parties involved showing a complete chain of title and legal transfer of the alleged debt. XXXX. Documentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information XXXX. A full itemized accounting of the alleged debt referenced, including the original creditor, dates, amounts and any added fees.…