Debt collection -- Written notification about debt -- Complaint #4734115
Complaint Overview
Complaint ID: 4734115
Company: P.S.C., INC
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Washington
ZIP Code: 98038
Date Received: 2021-09-19T12:00:00-05:00
Date Sent to Company: 2021-09-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX - Initial Dispute with Credit Bureaus requesting Verification ( no verification supplied ) XX/XX/XXXX - Method of Verification Request Sent to Credit Bureaus ( no details regarding creditor, dates, added info supplied - no change ) XX/XX/XXXX - Wrote to bureaus again requesting verification of the debt and no verification received regarding this account again. XX/XX/XXXX - Escalated and sent Validation Letter directly to the collection company ( no true validation has occurred up to this point ) XX/XX/XXXX - I received a bill from the collection company, not validation - it is attached XX/XX/XXXX - Again, I requested full validation on this account again- they supplied a letter stating the sent full validation ( the letter I received on XX/XX/XXXX attached, but again this this is not validation of a debt, it's merely a bill ) XX/XX/XXXX - I received the same bill as a response, with the statement that the debt had been validated back in XXXX ( as you can see from the letter they sent in received XX/XX/XXXX - it is a bill, not legal validation/ Per my consumer rights there are details legally they should be able to provide me the consumer that has not happened. A bill is not validation. I will attach proof of the validation requests I have sent. Legally they should be able to supply the following upon request, I do not know what this is for and I am trying to find out and still have not found out. What they sent me does not prove that I owe this debt. I requested multiple times they provide legal validation to include the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. ( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond. ( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor. ( 6 ). Name and address from the original creditor. ( 7 ). Copy of the original contract bearing my signature. ( 8 ). Chain of title on this debt. ( 9 ). Proof that you can collect this debt from me. ( 10 ). Do you own or is this debt assigned? ( 11 ) .Copies of all letters sent to me from you and the original creditor regarding this debt. ( 12 ). How much did you buy the debt for? ( 13 ). When was the last time a payment was made on this debt? ( 14 ). What fees/interest were tacked onto the debt? ( 15 ). How were the fees determined? It has now led me to file a complaint with the CFPB, because I have been requesting information and it has yet to be provided. I have followed all channels from disputing/investigating validity with the bureaus and the creditor and no one has validated or supplied any of the actual supporting documentation that by law they should be able to supply.
Frequently Asked Questions
What is Complaint #4734115 about?
Complaint #4734115 was filed against P.S.C., INC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-09-19T12:00:00-05:00.
How did P.S.C., 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 P.S.C., INC?
Yes, visit the P.S.C., INC company profile at readthecomplaint.com/company/p-s-c-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.