CFPB Complaints

I am filing a complaint regarding Advanced Recovery Systems for failure to validate an alleged debt. On XX/XX/year>, I sent a written request for validation of a debt that the company is reporting on my credit file. As of today, more than 30 days have passed, and I have not received any response or validation documentation. Despite failing to validate the debt, the company continues to report this account on my credit report. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires that a debt collector cease collection activity until proper validation has been provided. Because the company has failed to validate the debt, I am requesting that this account be immediately removed from all credit reporting agencies and that I receive written confirmation of its deletion. I am also requesting that the company provide documentation of the alleged debt if they intend to continue any collection efforts. This matter is time-sensitive, and I expect prompt resolution

XXXX XXXX in XXXX XXXX is trying to collect a debt of over XXXX. The first letter they sent out was XXXX. Now its XXXX. Im not understanding. For a service I didnt fully get.

I did not receive any information regarding owing the original creditor or collection agency. I receive so many Robo calls I'm unsure if at some point if that is how they attempted to contact me. I had XXXX in TN but paid upfront for the cost. I received notification that I was being sued by the collection agency in the state of XXXX where I reside. This particular collection is also not listed on my credit report so I did not know this was something I needed to handle. They are staring that I am accruing interest daily and I am struggling with inflation and XXXX kids already. Please assist on how I can handle this.