Debt collection -- Attempts to collect debt not owed -- Complaint #11474946
Complaint Overview
Complaint ID: 11474946
Company: Eastern Revenue, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Maryland
ZIP Code: 21133
Date Received: 2025-01-10T12:00:00-05:00
Date Sent to Company: 2025-01-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The following debt collectors have places collections account on my credit report which the debt does not belong to me. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Debt and Request for Validation Information under Federal Law Dear [ Collection Agency Name ], I am writing in response to your attempts to collect a debt allegedly owed by me. I formally dispute the debt in its entirety as you have failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Specifically, I am requesting : 1. A copy of the purchase agreement or assignment agreement between your agency and the original creditor demonstrating your authority to collect this debt. 2. Full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ). In addition, I revoke my consent for any communication via phone, email, or any other method. Per the FDCPA, any further communication not explicitly authorized by law will constitute a violation of my rights. Violations of Federal Law You have failed to provide me with the opportunity to dispute the account within the mandated time frame, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your actions constitute violations of the following : 1. 12 CFR 1006.34 ( d ) for failure to disclose all legally required information. 2. 15 USC 1681s-2 ( 7 ) ( A ) by furnishing information to consumer reporting agencies without fulfilling your disclosure obligations. 3. 15 USC 1692e by employing false, misleading, and deceptive practices in your collection efforts. As per 15 USC XXXX, you are liable for damages of {$1000.00} for each violation of my rights under the FDCPA.
Frequently Asked Questions
What is Complaint #11474946 about?
Complaint #11474946 was filed against Eastern Revenue, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-01-10T12:00:00-05:00.
How did Eastern Revenue, INC. 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 Eastern Revenue, INC.?
Yes, visit the Eastern Revenue, INC. company profile at readthecomplaint.com/company/eastern-revenue-inc 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.