Debt collection -- Electronic communications -- Complaint #9156930
Complaint Overview
Complaint ID: 9156930
Company: The Stark Collection Agency, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Electronic communications
Sub-Issue: Frequent or repeated messages
State: Tennessee
ZIP Code: 38106
Date Received: 2024-06-01T12:00:00-05:00
Date Sent to Company: 2024-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XX/XX/XXXX The Stark Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Subject : Debt Validation Request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX and Account Reference # XXXX To Whom It May Concern, As an effort to correct my credit file I was going through my emails to check debt collectors that I have contacted prior but never followed up and wanted validation of the alleged debt. As I have no access to any emails or access to a mailbox due to XXXX, I'm just now gaining access to that hacked email and discovered a letter from THE STARK COLLECTIONS AGENCY. This letter serves as a dispute to the alleged debt. I am writing to formally request validation of the debt that you have contacted me about, which is referenced under the account number XXXX and Reference Account XXXX. According to my records, and verified by a debt validation certification from the state of Tennessee, there is zero debt in my name. I have attached a certificate of verification from the TN Secretary of State of 0 records of debt owed by XXXX XXXX XXXX and XXXX XXXX in XXXX, TN. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : 1. **Validation of the debt** : Please provide the original signed contract or other instrument bearing my signature that substantiates the alleged debt. 2. **Amount of the debt** : Please provide a complete breakdown of the amount you claim I owe. 3. **Name and address of the original creditor** : Identify the original creditor to whom this debt is owed, along with their contact information. 4. **Proof of assignment** : Provide proof that The Stark Collection Agency has the legal right to collect this debt on behalf of the original creditor. 5. **Verification of my liability** : Show evidence that I have a legal obligation to pay this debt. 6. Please provide all but not limited to any contracts signed with XXXX XXXX XXXX or XXXX XXXX wet ink signature to do business with your company. Until these items are provided, I dispute the validity of this debt in its entirety and request that you cease all collection efforts. I also request that you immediately remove any negative information related to this alleged debt from my credit report, as reporting inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, please be advised that I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect those rights. I expect a timely response to this request, as failure to provide the requested documentation within 30 days will result in the presumption that the debt is invalid and no further collection activities are warranted and validate my claim that this is indeed identity theft again, something I have endured since XXXX. I have filed several identity theft reports with the federal government as well as police reports. Thank you for your prompt attention to this matter. Please confirm receipt of this letter and your intention to comply with my validation request at your earliest convenience. Sincerely, By : XXXX XXXX XXXX FOR : XXXX XXXX -- -.
Frequently Asked Questions
What is Complaint #9156930 about?
Complaint #9156930 was filed against The Stark Collection Agency, INC. regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2024-06-01T12:00:00-05:00.
How did The Stark Collection Agency, 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 The Stark Collection Agency, INC.?
Yes, visit the The Stark Collection Agency, INC. company profile at readthecomplaint.com/company/the-stark-collection-agency-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.