Optio Solutions, LLC

Account Qualia Collection Services # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

I am filing a complaint regarding an inaccurate debt collection account with Qualia Collection Service associated with XXXX XXXX that has been wrongly placed under my name. A debt balance of {$7200.00} was reported against me and transferred to Qualia Collection Service, even though this debt does not belong to me. I believe this may be a case of mistaken identity, mixed file reporting, or inaccurate account attribution. The collection account has caused significant damage to my credit profile and financial reputation. I have disputed the debt and requested validation from the collection agency. I requested documentation proving that I am legally responsible for this account, including the original signed lease agreement, payment records, and identity verification documents. At this time, I have not received sufficient evidence demonstrating that this debt belongs to me.…

XX/XX/year> accepted a settlement offer from Qualia Collection Services that said and mailed information regarding the balance that was held on the XXXX account ( {$4500.00} ) paid the offer that was ( {$800.00} ) have a confirmation that my debt was no longer a thing with a balance of ( {$0.00} )

} I am filing a complaint regarding an unresolved billing dispute related to my move-out charges from XXXX XXXX XXXX ( managed by XXXX XXXX ). On XX/XX/year>, I submitted a detailed written dispute identifying multiple inaccuracies in the final account statement, including incorrect rent proration, invalid charges, and unsupported damage fees. Management acknowledged my dispute on XX/XX/year>, and stated that the account would be reviewed. However, I never received a corrected accounting, supporting documentation, or any resolution. Despite this, the account was subsequently sent to a third-party collection agency ( Qualia Collection Services ) without resolving the disputed issues. Sending a disputed and unverified account to collections without completing a proper investigation is not appropriate and has caused ongoing harm and confusion.…

I am filing a complaint regarding an unresolved and improperly reported debt currently being pursued by a collection agency on behalf of XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ). On XX/XX/XXXX, I submitted a detailed written dispute directly to the property management company regarding my final move-out statement. The dispute outlined multiple material inaccuracies, including : - Incorrect rent proration beyond my approved lease termination date ( XX/XX/XXXX ) - An invalid {$170.00} refund applied for a charge that was never paid - Duplicative and unsupported smoke-related damage charges - A final balance that can not be reconciled due to inconsistent ledger entries The property manager acknowledged receipt of my dispute on XX/XX/XXXX, and stated the account would be reviewed. However, no corrected accounting, documentation, or resolution was ever provided.…

Sent a debt verification letter to Qualia Collection Services on XX/XX/year> Alleged amount owed {$2900.00} Received a debt verification letter from Qualia Collection Services on XX/XX/year> the letter had charges in it that had already been paid by me and I have said paid receipt, and there were other amounts that were inflated and I do not owe. Called Qualia collection services on XX/XX/year> explained that I did not owe these amounts and did not agree to there verification letter but was willing to try to settle this matter to get this removed from my credit bureaus, even sent proof of payment that I had made in form of paid receipt.... Was told that they were unwilling to remove this collection from my credit bureaus. I am currently applying to low income senior housing and I am unable to secure housing with this collection on my bureaus.…

The company is reporting an inaccurate apartment collection account. They used an incorrect move-out date and charged rent/fees after I vacated the unit. I provided documentation, including notice of move-out and evidence the apartment was empty. Despite this, the debt continues to be reported, harming my ability to obtain housing. I request deletion of the inaccurate collection account and correction of all credit reporting.

The company is reporting an inaccurate apartment collection account. They used an incorrect move-out date and charged rent/fees after I vacated the unit. I provided documentation, including notice of move-out and evidence the apartment was empty. Despite this, the debt continues to be reported, harming my ability to obtain housing. I request deletion of the inaccurate collection account and correction of all credit reporting.

I am filing a formal complaint regarding an invalid debt being reported and collected by a third-party agency on behalf of XXXX XXXX XXXX XXXX This debt is being pursued based on inaccurate and disputed information, including an incorrect move-out date and charges that do not reflect my actual lease obligations or payment history. I fulfilled my lease requirements and made all required payments during my lawful tenancy. I formally disputed this debt with the collection agency and requested validation pursuant to the Fair Debt Collection Practices Act. The response I received was insufficient and failed to provide proper documentation supporting the legitimacy of the debt, including proof of the alleged move-out date or a lawful basis for the charges. Despite my dispute, collection efforts have continued without adequate verification. This raises concerns regarding compliance with federal law and the accuracy of the information being reported.…

I recently discovered a {$130.00} collection account reported by Qualia Collection Services on my credit reports, related to a prior rental with XXXX XXXX. I was never notified of this debt before it was reported to the credit bureaus. I did not receive any written notice, email, or phone call from the collection agency regarding this account, nor was I informed of my right to dispute the debt. After discovering the account, I contacted the apartment management ( XXXX XXXX ), who informed me that the account had been sent to a different collection partner ( XXXX ). This created confusion regarding who is responsible for the debt. I also attempted to resolve the matter and make payment, but I was unable to successfully complete payment or obtain clear instructions. Additionally, I attempted to contact the collection agency listed on my credit report ( Qualia Collection Services ) to obtain information, but I was unable to reach them or receive any response.…

I am disputing a rental collection account reported by Qualia Collection Services ( OCS ) in the amount of {$48000.00}, originally from XXXX XXXX. I requested full validation of this debt. In response, the collection agency provided only a copy of my lease, a summary statement with total charges, and an unsigned, undated document that they claim is from the property. This document does not include a name, signature, date, or sufficient identifying information to verify its authenticity or origin. They did not provide a complete itemized ledger or payment history showing how the balance was calculated. The documentation provided also indicates that rental assistance payments were received on my behalf during the COVID-19 period, but it appears these payments may not be fully accounted for. The document itself suggests that additional payment verification may be needed.…

This complaint concerns a collection account reported by Qualia Collection Services on behalf of XXXX XXXX in XXXX XXXX XXXXXXXX XXXX for which I am a co-signer. I did not reside at the property ; however, I am being held financially responsible as a co-signer on the lease. The tenant lived at the property for approximately XXXX months. During this time, management changed after the original lease. Under prior management, lease timelines and expectations were clearly communicated. However, after the management change, there was no communication as the lease approached expirationno notice regarding renewal, termination requirements, or required action. The timing of the lease expiration coincided with a period in which XXXX of the tenants was awaiting graduate school admission decisions, which directly impacted their housing plans. Due to this uncertainty, they were unable to provide a full XXXX notice.…

Qualia Collection Services is reporting a collection account on my credit report in the amount of {$3300.00}, claiming the original creditor is XXXX XXXX XXXX XXXX. This account was assigned to Qualia on or about XX/XX/year>XXXX with a reported first date of delinquency of XX/XX/year>. I have never received any written notice from Qualia Collection Services regarding this alleged debt. I never received the required written validation notice informing me of my right to dispute this debt within 30 days as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is my first formal contact disputing this account.…

This complaint concerns a collection account reported by XXXX XXXX XXXX on behalf of XXXX XXXX in XXXX XXXX XXXX, UT. I lived at this property for approximately XXXX months. During this time, management changed after my original lease. Under prior management, lease timelines and expectations were clearly communicated. However, after the management change, there was no communication as the lease approached expirationno notice regarding renewal, termination requirements, or required action. The timing of the lease expiration coincided with a period in which a co-tenant on the lease was awaiting graduate school admission decisions, which directly impacted our housing plans. Due to this uncertainty, we were unable to provide a full XXXX notice. We communicated this situation to the leasing office in good faith and attempted to resolve the matter reasonably. Despite these efforts, no accommodation or reasonable resolution was offered.…

im a victim of identity theft i tried to dispute the debt with all credit unions all 3 credit unions are refusing to delete it of my credit report last year alone my information wS in 17 data breaches noone ever contacted me my life has changed negativly with all these fraudulent accounts i have filled a police report and a identity theft report as well

This complaint concerns a collection account reported by Qualia Collection Services on behalf of XXXX XXXX in XXXX XXXX XXXX, XXXX. I lived at this property for approximately XXXX months. During this time, management changed after my original lease. Under prior management, lease timelines and expectations were clearly communicated. However, after the management change, there was no communication as the lease approached expirationno notice regarding renewal, termination requirements, or required action. The timing of the lease expiration coincided with a period in which a co-tenant on the lease was awaiting graduate school admission decisions, which directly impacted our housing plans. Due to this uncertainty, we were unable to provide a full XXXX notice. We communicated this situation to the leasing office in good faith and attempted to resolve the matter reasonably. Despite these efforts, no accommodation or reasonable resolution was offered.…

RE : Cease & Desist / Debt Validation Demand Violations of the FDCPA & FCRA This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S.…

The final payment for this rental property was fulfilled on XX/XX/year>. A check dated XX/XX/year> was written in the amount of {$1400.00} and cashed on XX/XX/year>. The memo line of said check explicitly stated, XXXX rent-last payment. XXXX were returned via rent drop box as requested by front office XXXX, XXXX XXXX. Since receiving the notice of a balance owed, Ive contacted the leasing office, property manager and the collection agency it was forwarded to ; to alert them to this inaccurate information. I visited the office in person and sent several emails, and only XXXX has received a response. All other attempts to resolve have been unsuccessful.

I am a victim of identity theft. I did not authorize, open, or benefit from the account ( s ) and inquiries that are currently appearing on my credit report. I recently discovered unauthorized activity, including hard inquiries and a collection account associated with Qualia Collection Services. I have not applied for any credit related to these items and did not give permission for my personal information to be used. I believe my identity may have been compromised due to recent data breaches, including the XXXX XXXX XXXX incident. As soon as I became aware of this fraudulent activity, I took immediate action to dispute the information with the credit bureaus and the reporting debt collector. I am requesting that all fraudulent accounts and inquiries be removed and that any reporting related to this identity theft be blocked. I certify under penalty of perjury that the information provided is true and correct to the best of my knowledge.

This debt has been legally settled, and I do owe any balance to this company.

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.…

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.…

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.…

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.…

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.…

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.…

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.…

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.…