Debt collection -- Written notification about debt -- Complaint #10776506
Complaint Overview
Complaint ID: 10776506
Company: Debt Recovery Solutions, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: North Carolina
ZIP Code: 28269
Date Received: 2024-11-12T12:00:00-05:00
Date Sent to Company: 2024-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Debt Recovery Solutions has violated my rights under the FDCPA and is thus liable for damages and civil penalties. On XX/XX/year> Debt Recovery Solutions reported a collection account on my credit reports. At no time did this debt collector contact me via mail or send me information on any debt owed. They are in major violation of 12 CFR 1006.30 12 CFR 1006.30 - Other prohibited practices. 1006.30 Other prohibited practices. ( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
Frequently Asked Questions
What is Complaint #10776506 about?
Complaint #10776506 was filed against Debt Recovery Solutions, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-11-12T12:00:00-05:00.
How did Debt Recovery Solutions, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Debt Recovery Solutions, LLC?
Yes, visit the Debt Recovery Solutions, LLC company profile at readthecomplaint.com/company/debt-recovery-solutions-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.