Lee v. American Agencies CA1/4

I. BACKGROUND

A. The Allegations of the Complaint Plaintiff alleged in the operative complaint that on or about September 24, 2008, defendant American Agencies sent her an initial debt collection letter claiming she owed $831.06 on a past due bill from a third party and stating American Agency had purchased the debt from another debt collector. The letter said nothing about how or when the debt was incurred. In response, plaintiff sent a letter disputing the debt and requesting the

1 original name and address of the creditor and verification of the debt. She alleged American Agencies did not respond to the request for verification and that it continued to attempt to collect the debt. This attempt, according to the complaint, included reporting plaintiff’s debts to consumer credit reporting agencies. According to plaintiff, defendants had a practice of not validating or verifying debts upon consumer request, but instead continuing to call purported debtors and failing to ensure adverse credit reporting was discontinued. Plaintiff also alleged both that defendants were either parents and subsidiaries of each other and that they were in reality one company. Plaintiff asserted…