Date Received: 2017-07-11
Product: Payday loan debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: ” Ad Adstra ” has been reporting an account in collections on my credit report. I have now sent two validation requests to this company, to the address listed on statements they keep sending, asking them to validate the original creditor, amount, payment history, fees/interest etc. as this account I did not recognize. I specifically wanted to see loan agreements or anything bearing my signature, as I have had several accounts opened by my ex-husband without my knowledge.The first validation request was sent on XXXX XXXX, 2017, with no reply. The second, and most recent request for validation attached to this complaint was sent XX/XX/2017. The company sent another statement with a partial response on X/XX/17, however, they have failed to provide me a copy of the loan agreement, original balance, or anything bearing my signature that substantiates I am responsible for this account. Having my SSN, Drivers license number, and birthdate was n’t the validation I requested, as I know anybody could obtain and provide that without my consent. As they are reporting on my credit report, they have the legal responsibility to validate upon request an account in question, and have failed to provide me with the documentation necessary for me to actually validate and/or dispute this account.
Company: Ad Astra Recovery Services Inc
State/Zip: UT 843XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2571460
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