Collection Specialists, Inc.

On 5/19/17, we sent a validation letter to *** *** at *** *** *** *** *** ** ***
On 6/2/17, our letter was returned by the U.SPost Office stating unable to forward
The above address was provided to us by our client, *** *** ***
On 6/28/17, we placed a
collection call to a phone number that Mr*** had provided on his rental applicationThere was no answer, so our collector, Amy, left a message for Mr*** to call her
On 7/27/17, *** *** called our officeAmy took the callBefore we start a conversation with a consumer we use identifiers such as last four digits of a social security number, date of birth, or previous addressIf we cannot identify a consumer, we do not continue with a conversationIf we do identify the consumer, then we quote the Mini-Miranda Act, which is required by law
The Mini-Miranda Act: This is an attempt to collect a debt and any information obtained will be used for that purpose
After Mr*** was identified as our consumer, we advised him we needed a current address so we could mail him a validation letterThe law requires us to send a validation letter within days after a communication has been made because we had received a mail return
Mr*** provided us with an address of *** *** *** *** *** ** ***At that time the validation letter was requested
Mr*** did ask what the account was all aboutAmy said it would take a couple of hours to obtain the file that would provide us with the information he was requesting
For the next two (2) hours, Mr*** called our office 3-times to see if we had the information yetAt that time, we had not retrieved the fileThe last time Mr*** called, he was advised to call MrJeff SR*** at 765-646-and MrR*** would discuss the account with himHe did not call
On 8/4/17, the validation letter was returned to us stating “Return to Sender/Insufficient Address/Unable to Forward”
The plan was to get the validation letter to Mr***, wait a few days to see if it was returned and then respond to his verbal dispute in writing
We have never experienced a situation where someone calls in on an account that has not been validated and they dispute the bill and they will not give us the opportunity, as required by law, to validate first and then respond to the dispute
August 7, 2017, MrR*** received a letter from the State of Indiana Attorney General’s office with the complaint
At this time, we do have a full account detail of the charges
Attached are the following documents:
- A copy of the validation letter and envelope that shows we attempted to validate the account
- An account detail of the charges
Sincerely,
Jeff SR***
President/CEOCollection Specialists, Inc. Meridian Plaza Anderson, IN 46016 PHONE: (765) 646-6034 FAX: (765) 646-

March 3, 2017   RE: [redacted], [redacted], [redacted]. Revdex.com ID#[redacted]   We are in receipt of the letter you sent dated February 13, 2017. [redacted] disputed his account with us on September 1, 2016 via fax. (See copy) [redacted] stated in his letter he felt the balance owed seemed high. We...

contacted our client and they agreed to adjust the balance to $111.86. We than sent [redacted] our response showing the new balance, (see copy) and then he paid the account in full on September 13, 2016. After an account is paid we report it to the Credit Bureau the following month via tape. We report to the credit bureaus one time a month. The said account was reported paid in full in October 2016 and November 2016, but it didn't show paid on the report until December 2016. Also once an account is reported to a credit bureau for a certain amount, and our client asks us to reduce it we cannot request that the credit bureau do the same. Please be advised, we don't have the authority to remove anything from a credit report. If I can be of any further assistance, please do not hesitate to call me.SincerelyJeff S. R[redacted]President & CEO