Debt collection -- Attempts to collect debt not owed -- Complaint #7668600
Complaint Overview
Complaint ID: 7668600
Company: The Receivable Management Services LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Indiana
ZIP Code: 46516
Date Received: 2023-10-09T12:00:00-05:00
Date Sent to Company: 2023-10-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I noticed an account on my credit reports from a company called THE RECEIVABLE MANAGEMENT that I never had any business relationship with. THE RECEIVABLE MANAGEMENT was attempting to collect on a an alleged debt in the amount of {$250.00}. I sent THE RECEIVABLE MANAGEMENT a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between THE RECEIVABLE MANAGEMENT and myself and the original application for the account. THE RECEIVABLE MANAGEMENT violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity.. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) THE RECEIVABLE MANAGEMENT was required to cease collection efforts until the alleged debt was validated but failed to do so. THE RECEIVABLE MANAGEMENT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I also disputed this fraudulent THE RECEIVABLE MANAGEMENT account with the credit bureaus. THE RECEIVABLE MANAGEMENT however continued reporting this fraudulent THE RECEIVABLE MANAGEMENT account with the credit bureaus. I saw the fraudulent THE RECEIVABLE MANAGEMENT account XXXX, XXXX and XX/XX/2023 on my credit reports. I then sent THE RECEIVABLE MANAGEMENT a FAILURE TO RESPOND letter via certified mail XX/XX/2023. THE RECEIVABLE MANAGEMENT violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. THE RECEIVABLE MANAGEMENT violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. THE RECEIVABLE MANAGEMENT violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) THE RECEIVABLE MANAGEMENT was required to cease collection efforts until the alleged debt was validated but failed to do so. THE RECEIVABLE MANAGEMENT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, THE RECEIVABLE MANAGEMENT FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. THE RECEIVABLE MANAGEMENT violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent THE RECEIVABLE MANAGEMENT account XX/XX/2023 on my credit reports and it is still there as of this filing.
Frequently Asked Questions
What is Complaint #7668600 about?
Complaint #7668600 was filed against The Receivable Management Services LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-10-09T12:00:00-05:00.
How did The Receivable Management Services 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 The Receivable Management Services LLC?
Yes, visit the The Receivable Management Services LLC company profile at readthecomplaint.com/company/the-receivable-management-services-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.