Anonymous
Written notification about debt: Debt collection
I submitted a written dispute and request for debt validation to the company regarding this account. After receiving my correspondence, the company acknowledged in writing that its investigation had not been completed and advised me that it needed an additional 30 days to complete its research and provide a response. I relied on that representation and waited in good faith. More than three months have now passed. Although the company later mailed copies of certain documents, it never provided a final written determination addressing the issues raised in my dispute. Specifically, I have not been informed whether the investigation has been completed, whether my dispute was accepted or denied, or the factual basis for its conclusions regarding the issues I raised. Instead of providing a final written response, the company has continued sending collection and settlement letters while my dispute remains unresolved. I have made repeated efforts to resolve this matter directly with the company before filing this complaint. My request is simple : I ask the company to provide a complete written determination of its investigation, address the issues raised in my dispute, explain the basis for its conclusions, and clarify whether it considers my dispute resolved. I respectfully request the CFPB 's assistance in obtaining a complete written response from the company.