What can I do if a debt collector refuses to provide me with proof of a debt?

If a debt collector refuses to provide proof of a debt, you should contact the Washington State Department of Financial Institutions (DFI). The DFI is responsible for consumer protection in all areas of consumer finance, including debt collection. They can investigate whether the debt collector is acting appropriately and if they are, require the collector to provide proof of the debt. The first step is to file a complaint with the DFI. It is important to include as much information as possible including the name of the debt collection agency, the name of the debt collector, and any information that you can provide related to the debt. It is also important to provide any documentation that you have received from the debt collector. The DFI will investigate your claim and if the debt collector refuses to provide proof of the debt, the DFI may take action against the debt collector. Depending on the outcome of the investigation, the DFI may impose a fine or require the debt collector to provide proof of the debt. In cases where the DFI finds that the debt collector has acted inappropriately, it may also provide you with compensation for any damages that you may have suffered. Additionally, the DFI may also require the debt collector to change their practices to ensure that they are conducting their activities in accordance with the law. The DFI is committed to protecting Washington consumers from unfair debt collection practices and will work with you to review the actions of the debt collector and take necessary action.

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What can I do if a debt collector refuses to provide me with proof of a debt?

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