Choice Recovery, Inc. Debt Collection Complaint

Choice Recovery, Inc. Debt collection department,

Other (phone, health club, etc.) False statements or representation Attempted to collect wrong amount Georgia

- : - - - - Choice Recovery - - - - THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- - Credit Report : Account 1 ) - COLUMBUS - INC./and CHOICE RECOVERY INC. : Account 2 ) # - - -. - -, - - - Collection agencies are reporting that I owe the above creditor - Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe - these creditors for the same exact debt? - Re : - Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : - INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. I am requesting that you investigate this illegal deceptive practice and verification of this


engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, The FTC CLEARY points out, Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.