Choice Recovery Complaint

Choice Recovery, Inc. Debt collection department,

Medical Disclosure verification of debt Right to dispute notice not received Ohio

COMPLAINT Now comes, - -, in consumer capacity filing a complaint against debt collection agency Choice Recovery, an Ohio agency licensed to collect debts in the state of OHIO ; In -/-/-, I checked my credit report and discovered Choice Recovery 's tradename on my credit file as a closed account and disputed the account with all - credit bureaus ; On -/-/- I received my credit report update from initial dispute, and Choice Recovery was deleted from - file but updated by - and - as a verified account ; Choice Recovery placed their tradename on my file in -/-/- ; and date last reported -/-/- ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Choice Recovery and - - ; I have never received any validation letter from Choice Recovery prior to their tradename on my credit file in -/-/- ; and allegedly validating the debt as valid to - and - ; This conduct is a direct violation of - Validation of debts ; -, and - Case No. - ( -. Ohio -/-/- ) This conduct is a direct violation of - false and misleading representation

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with - - Ohio Statutes of Frauds ; -, - ; This Conduct violates - disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in -/-/- ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Choice Recovery 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly in accordance with United States Court of Appeals, - Circuit, Case No. -, -, -/-/- ;