Debt collection -- Written notification about debt -- Complaint #9467712
Complaint Overview
Complaint ID: 9467712
Company: Rsi Enterprises, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Arizona
ZIP Code: 85388
Date Received: 2024-07-08T12:00:00-05:00
Date Sent to Company: 2024-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The company did not property validate this alleged debt. The instead only mailed a single bill they provided is not proper validation of the debt and will not suffice. I disputed the alleged debt that you are attempting to collect. I additionally requested validation of the alleged debt pursuant to my rights under the FDCPA. I requested a copy of the signed contract, I also requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to the consumer credit reporting agencies. 1st you failed to obtain and send verification of the alleged debt by not mailing me the contact, instead of sending me a signed contact or agreement signed by all parties involved as requested, you mailed me a bill only this is non-responsive to my validation request. Under the FDCPA, it is unfair and unconscionable to attempt to collect a debt in any amount that is not expressly authorized by agreement creating a debt permitted by law. 2nd you have failed to provide a valid basis for the calming I am required to pay the alleged amount owed. Additionally, you have failed to provide details about the age and amount of the debt ; a detailed explanation of any interest added and the legal authorization for this interest ; the date the original creditor claims it became delinquent. And whether this debt is within the statute of limitation and how that was determined. Lastly, you failed to provide any details on your authority to collect this debt that was requested : whether you are licensed in my state and if so ; provide the date and license name on the license and license number along with the address and telephone number of the state agency issuing the license number. You have not complied with the request that was made and was not proper validation. You have failed to provide any proof that it is me that owes this alleged debt. Under the FDCPA laws that have been requested by me in my initial request to you Since you were unable to provide proper validation of this alleged debt, I am requiring you to cease reporting and collection immediately. As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Frequently Asked Questions
What is Complaint #9467712 about?
Complaint #9467712 was filed against Rsi Enterprises, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-07-08T12:00:00-05:00.
How did Rsi Enterprises, 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 Rsi Enterprises, INC.?
Yes, visit the Rsi Enterprises, INC. company profile at readthecomplaint.com/company/rsi-enterprises-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.