Debt collection -- Attempts to collect debt not owed -- Complaint #12158107
Complaint Overview
Complaint ID: 12158107
Company: M.A.R.S., INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Illinois
ZIP Code: 60617
Date Received: 2025-02-20T12:00:00-05:00
Date Sent to Company: 2025-02-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a complaint to XXXX XXXX on XXXX ( Complaint ID XXXX ) and XXXX ( Complaint ID XXXX ) and both claims were closed after XXXX XXXX responded with an itemized document. This letter is in response to those claims. XXXX XXXX claims that I Owe {$2700.00}. I requested that XXXX XXXX provided me with a copy of any viable evidence showing the account is being reported accurately. I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance.
Frequently Asked Questions
What is Complaint #12158107 about?
Complaint #12158107 was filed against M.A.R.S., INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-02-20T12:00:00-05:00.
How did M.A.R.S., 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 M.A.R.S., INC.?
Yes, visit the M.A.R.S., INC. company profile at readthecomplaint.com/company/m-a-r-s-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.