Debt collection -- Attempts to collect debt not owed -- Complaint #18957104
Consumer disputes debt validity with MRS BPO, LLC
Complaint Overview
Complaint ID: 18957104
Company: Mrs Bpo, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33607
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2026-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because debt collection agencies must ensure they are attempting to collect from the correct individual and have proper validation for the debt.
Consumer Sentiment: negative
Topics: Debt collection, Debt validation
AI Analysis
CFPB complaint 18957104 was filed against MRS BPO, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against MRS BPO, LLC for attempting to collect a debt that the consumer claims is not theirs. The complaint was received on November 30, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should always verify the legitimacy of a debt and request validation from the debt collector if they believe it is not theirs.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed.
Regulatory Insight
Regulators may investigate MRS BPO, LLC for potential violations of the FDCPA if they fail to validate the debt or cease collection efforts upon dispute.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have rights under state law to protect themselves from unfair or deceptive debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where disputes over debt ownership or validity frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18957104 about?
CFPB complaint 18957104 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against MRS BPO, LLC on November 30, 2025.
Which company is complaint 18957104 filed against?
Complaint 18957104 was filed against MRS BPO, LLC. You can view all complaints against this company on their profile page at /company/mrs-bpo-llc.
What was the company's response to complaint 18957104?
MRS BPO, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18957104 filed?
Complaint 18957104 was received by the CFPB on November 30, 2025. It was sent to MRS BPO, LLC on January 23, 2026.
What state was complaint 18957104 filed from?
Complaint 18957104 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 18957104?
Dispute information is not available for complaint 18957104.
What product category is complaint 18957104 about?
Complaint 18957104 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18957104 submitted?
Complaint 18957104 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18957104?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed. This relates to a Debt collection complaint against MRS BPO, LLC involving "Attempts to collect debt not owed".
How likely is complaint 18957104 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18957104?
This complaint is rated as medium risk. The risk is medium because debt collection agencies must ensure they are attempting to collect from the correct individual and have proper validation for the debt.
What regulatory actions apply to complaint 18957104?
Regulators may investigate MRS BPO, LLC for potential violations of the FDCPA if they fail to validate the debt or cease collection efforts upon dispute. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18957104?
Consumers should always verify the legitimacy of a debt and request validation from the debt collector if they believe it is not theirs.
Are there state-specific protections for complaint 18957104?
In Florida, consumers have rights under state law to protect themselves from unfair or deceptive debt collection practices. This complaint was filed from Florida.
How does complaint 18957104 compare to industry norms?
This is a common issue in the debt collection industry, where disputes over debt ownership or validity frequently arise.
What steps should a consumer take if they receive a debt collection notice for a debt they do not owe?
The consumer should immediately send a written dispute letter to the debt collector requesting debt validation. This letter should be sent via certified mail with a return receipt requested to ensure proof of delivery.
What are the potential consequences for a debt collection agency that attempts to collect a debt not owed by the consumer?
If a debt collector violates the FDCPA by attempting to collect a debt not owed, they can face legal action from the consumer, including statutory damages, actual damages, attorney's fees, and court costs.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.