Debt collection -- Written notification about debt -- Complaint #8754343
Complaint Overview
Complaint ID: 8754343
Company: Ray Klein, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Maryland
ZIP Code: 20874
Date Received: 2024-04-11T12:00:00-05:00
Date Sent to Company: 2024-04-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent the below letter to their company on XX/XX/year> and did not receive a response back with the information I requested : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Thursday, XX/XX/year> RE : XXXX To Whom It May Concern, Your company is reporting the below referenced account on my credit report as a collection account. XXXX XXXX XXXXXXXX XXXX in the amount of {$490.00} I have disputed this item with the credit reporting agency , and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely matter, will be considered a waiver to any and all your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or a waiver of status. XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8754343 about?
Complaint #8754343 was filed against Ray Klein, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-04-11T12:00:00-05:00.
How did Ray Klein, 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 Ray Klein, INC.?
Yes, visit the Ray Klein, INC. company profile at readthecomplaint.com/company/ray-klein-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.