Debt collection -- Attempts to collect debt not owed -- Complaint #6538741
Complaint Overview
Complaint ID: 6538741
Company: Ras Lavrar, 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: 34471
Date Received: 2023-02-06T12:00:00-05:00
Date Sent to Company: 2023-02-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On a recent check of my mail I see there is a collection/charge off account from RAS LaVrar LLC saying I owe a debt of {$2100.00} that I do not recognize. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. I am allowing you a period of XXXX days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. Enclosed with this CFPB complaint are : My drivers license that shows identity + current mailing address Letter I received from you
Frequently Asked Questions
What is Complaint #6538741 about?
Complaint #6538741 was filed against Ras Lavrar, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-02-06T12:00:00-05:00.
How did Ras Lavrar, 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 Ras Lavrar, LLC?
Yes, visit the Ras Lavrar, LLC company profile at readthecomplaint.com/company/ras-lavrar-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.