{"took":80,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":482,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14646397","_score":21.519459,"_source":{"product":"Debt collection","complaint_what_happened":": I am formally disputing the validity of the alleged debt referenced above and hereby issue a permanent cease and desist regarding any and all forms of communication under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c. Effective immediately, I prohibit XXXX XXXX XXXX, and any of its representatives, from contacting me regarding this alleged debt in any manner except as required by law. Dispute of Alleged Debt I dispute the existence, accuracy, and validity of this alleged debt with the original creditor, XXXX XXXX XXXX, as communicated by XXXX XXXX XXXXXXXX. This debt is to be considered disputed, and I demand verification and substantiation of the amount claimed.","date_sent_to_company":"2025-07-14T22:30:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"14646397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-14T17:42:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Dispute</em> of <em>Alleged</em> <em>Debt</em> I <em>dispute</em> the <em>existence</em>, <em>accuracy</em>, and validity of this <em>alleged</em> <em>debt</em> with the original creditor, XXXX XXXX XXXX, as communicated by XXXX XXXX XXXXXXXX. This <em>debt</em> is to be considered <em>disputed</em>, and I demand verification and substantiation of the amount claimed."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Telecommunications <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[21.519459,"14646397"]},{"_index":"complaint-public-v1","_id":"20072213","_score":21.159817,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing an alleged debt being reported and collected by LVNV Funding LLC and Resurgent Capital Services in connection with a XXXX  XXXX account that I do not recognize as valid. \n\nI requested validation of this alleged debt on multiple occasions and sent my disputes via certified mail. Most recently, I disputed the account in XXXX  and requested documentation verifying the existence and ownership of the alleged debt. \n\nIn response, the company provided only a self-generated account summary. The company has not provided documentation from the original creditor verifying the existence of the account, the ownership of the debt, or the accuracy of the balance being claimed. \n\nSpecifically, the company has failed to provide : a copy of the original signed agreement or account application a complete account transaction history or ledger documentation demonstrating the chain of assignment transferring the account from XXXX  XXXX to LVNV Funding LLC documentation demonstrating the legal authority of Resurgent Capital Services to collect this alleged debt Additionally, the company continues to rely on outdated identifying information and has sent correspondence to an address that is no longer my residence. My correct address is : XXXX XXXX XXXX XXXX XXXX, MO XXXX Because proper validation has not been provided and multiple entities appear to be involved in servicing or collecting this account, I am concerned that this debt may be reported or collected without proper verification. \n\nI am requesting that this matter be investigated and that appropriate action be taken to ensure the accuracy and legality of the reporting and collection activity.","date_sent_to_company":"2026-03-19T12:36:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"20072213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2026-03-08T01:24:35.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> an <em>alleged</em> <em>debt</em> being reported and collected by LVNV Funding LLC and Resurgent Capital Services in connection with a XXXX  XXXX account that I do not recognize as valid. \n\nI requested validation of this <em>alleged</em> <em>debt</em> on multiple occasions and sent my <em>disputes</em> via certified mail. Most recently, I <em>disputed</em> the account in XXXX  and requested documentation verifying the <em>existence</em> and ownership of the <em>alleged</em> <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[21.159817,"20072213"]},{"_index":"complaint-public-v1","_id":"14491615","_score":20.938522,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the collection account currently appearing on my credit report. I previously exercised my right under the Fair Debt Collection Practices Act ( FDCPA ) to request full validation of this alleged debt. Despite this request, I have yet to receive any legitimate documentation verifying the debt 's existence, ownership, or accuracy.","date_sent_to_company":"2025-07-07T06:35:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77632","tags":null,"has_narrative":true,"complaint_id":"14491615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-07T06:30:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am formally <em>disputing</em> the collection account currently appearing on my credit report. I previously exercised my right under the Fair <em>Debt</em> Collection Practices Act ( FDCPA ) to request full validation of this <em>alleged</em> <em>debt</em>. Despite this request, I have yet to receive any legitimate documentation verifying the <em>debt</em> 's <em>existence</em>, ownership, or <em>accuracy</em>."]},"sort":[20.938522,"14491615"]},{"_index":"complaint-public-v1","_id":"21387717","_score":19.853266,"_source":{"product":"Debt collection","complaint_what_happened":"Additional Context I further note that Bank of America , N.A . has also initiated court action concerning this same alleged account balance in XXXX XXXX, Tennessee, styled Bank of America N.A. v. XXXX XXXX XXXX, XXXX XXXX. XXXX. \n\nThat pending collection action makes the accuracy and internal consistency of the furnished tradeline even more significant. Bank of America is attempting to enforce the alleged obligation through litigation while simultaneously furnishing account information that appears materially misleading, internally inconsistent, and not reasonably reconcilable on its face. \n\nThis dispute is not a concession of liability, validity, ownership, amount, or enforceability of the alleged debt. To the contrary, the existence of active collection litigation makes it essential that Bank of America conduct a reasonable investigation, produce a full account-level reconciliation, and cease furnishing any information that can not be verified as accurate, complete, and non-misleading. \nBank of America , N.A . has also filed a collection action concerning this same alleged account balance in XXXX XXXX, Tennessee, XXXX XXXX. XXXX. The existence of active litigation makes the continued furnishing of materially misleading or internally inconsistent account information especially serious. This dispute does not admit liability or the validity of the alleged debt ; it demands that Bank of America reconcile, correct, or delete reporting that can not be verified as accurate and non-misleading.","date_sent_to_company":"2026-04-19T21:44:49.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"21387717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-19T21:36:29.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["The <em>existence</em> of active litigation makes the continued furnishing of materially misleading or internally inconsistent account information especially serious. This <em>dispute</em> does not admit liability or the validity of the <em>alleged</em> <em>debt</em> ; it demands that Bank of America reconcile, correct, or delete reporting that can not be verified as accurate and non-misleading."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[19.853266,"21387717"]},{"_index":"complaint-public-v1","_id":"20026181","_score":19.804214,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding the inaccurate and unverifiable reporting of an alleged collection account by LVNV Funding LLC on my credit report. \n\nLVNV Funding LLC is currently reporting a derogatory collection account on my consumer credit file. I dispute the accuracy and validity of this account and have requested proper validation of the alleged debt. However, LVNV Funding continues to report this account without providing competent documentary evidence demonstrating that the debt is valid, accurate, or legally enforceable. \n\nLVNV Funding LLC is a debt purchaser and has not provided documentation establishing a contractual relationship between myself and their company. Additionally, they have failed to provide proof of assignment or chain of title demonstrating that they legally acquired the alleged debt from the original creditor. \n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), furnishers of information must ensure the maximum possible accuracy of information reported to consumer reporting agencies. Furthermore, under 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable investigation when a consumer disputes the accuracy of information being reported. \nIn addition, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide proper validation of the alleged debt upon request, including documentation supporting the existence and amount of the debt.\n\nTo date, LVNV Funding has failed to provide : A copy of the original signed agreement establishing the debt Account-level billing statements showing how the balance was calculated Documentation proving a lawful assignment or chain of title from the original creditor to LVNV Funding Evidence that LVNV Funding has legal authority to collect the alleged debt Despite the absence of proper validation, LVNV Funding continues to report this account as a derogatory collection account, which is damaging my credit profile and financial standing.\n\nBecause LVNV Funding has not provided competent documentary evidence supporting the accuracy and ownership of this alleged debt, the continued reporting of this account may constitute violations of federal consumer protection laws. \n\nTherefore, I respectfully request that the CFPB require LVNV Funding LLC to do the following : 1\n\n. Provide full documentation validating the alleged debt and demonstrating legal ownership of the account ; or 2. Immediately delete the account from all consumer credit reporting agencies if proper validation can not be provided.\n\nIf LVNV Funding can not produce documentation proving the existence, accuracy, and legal enforceability of the alleged debt, the account must be permanently removed from my credit reports. \n\nI request that this matter be investigated and that LVNV Funding comply with all applicable federal consumer protection laws.","date_sent_to_company":"2026-03-06T04:04:19.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"31907","tags":null,"has_narrative":true,"complaint_id":"20026181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2026-03-06T03:57:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["In addition, under the Fair <em>Debt</em> Collection Practices Act ( 15 U.S.C. 1692g ), a <em>debt</em> collector must provide proper validation of the <em>alleged</em> <em>debt</em> upon request, including documentation supporting the <em>existence</em> and amount of the <em>debt</em>."],"product":["<em>Debt</em> collection"]},"sort":[19.804214,"20026181"]},{"_index":"complaint-public-v1","_id":"18447744","_score":18.980661,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of a collection account being reported on my consumer credit file by Jefferson Capital Systems , LLC, reflecting an alleged balance of approximately {$310.00}.\n\nThis dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.\n\nJefferson Capital Systems , LLC is not the original creditor. To date, no competent evidence has been produced demonstrating : The existence of a valid, enforceable consumer obligation Lawful ownership of the alleged debt A complete and unbroken chain of title from the original creditor to Jefferson Capital Systems , LLC A full itemized accounting of the amount being reported","date_sent_to_company":"2026-01-03T22:57:59.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"75052","tags":null,"has_narrative":true,"complaint_id":"18447744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-01-03T22:52:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am formally <em>disputing</em> the <em>accuracy</em>, completeness, and verifiability of a collection account being reported on my consumer credit file by Jefferson Capital Systems , LLC, reflecting an <em>alleged</em> balance of approximately {$310.00}.\n\nThis <em>dispute</em> is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.\n\nJefferson Capital Systems , LLC is not the original creditor."],"product":["<em>Debt</em> collection"]},"sort":[18.980661,"18447744"]},{"_index":"complaint-public-v1","_id":"20025631","_score":18.622316,"_source":{"product":"Debt collection","complaint_what_happened":"This account is being reported as derogatory on my credit report despite the fact that it has not been properly validated. \n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies and data furnishers are required to follow reasonable procedures to ensure the maximum possible accuracy of information reported on a consumer 's credit file. \n\nAdditionally, under 15 U.S.C. 1681i, a reasonable investigation must be conducted when a consumer disputes the accuracy of information on their credit report. \n\nI have disputed this account because : The alleged debt has not been validated. \nNo documentation has been provided proving that I entered into a contractual obligation for this debt. \nNo documentation has been provided showing that the reporting entity has legal authority or assignment rights to collect this alleged debt. \nThe balance and account history being reported can not be verified as accurate and complete. \n\nDespite these concerns, the account continues to be reported on my credit file. \n\nIf the company can not provide competent documentary evidence demonstrating the existence of a valid contractual obligation, proof of assignment, and the accuracy of the balance being reported, then the continued reporting of this account violates the Fair Credit Reporting Act.","date_sent_to_company":"2026-03-06T03:30:20.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"31907","tags":null,"has_narrative":true,"complaint_id":"20025631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-03-06T03:13:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies and data furnishers are required to follow reasonable procedures to ensure the maximum possible <em>accuracy</em> of information reported on a consumer 's credit file. \n\nAdditionally, under 15 U.S.C. 1681i, a reasonable investigation must be conducted when a consumer <em>disputes</em> the <em>accuracy</em> of information on their credit report. \n\nI have <em>disputed</em> this account because : The <em>alleged</em> <em>debt</em> has not been validated."],"product":["<em>Debt</em> collection"]},"sort":[18.622316,"20025631"]},{"_index":"complaint-public-v1","_id":"20117806","_score":18.466923,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding Midland Credit Managements continued reporting of an alleged debt that I formally disputed and requested validation for.\n\nI previously sent written correspondence disputing this account and requesting validation of the alleged debt. My dispute requested documentation proving the existence of the debt, proof that Midland Credit Management has legal authority to collect, and documentation showing the accuracy of the balance being reported.\n\nMidland Credit Management has continued reporting this account to the consumer reporting agencies despite failing to provide proper validation of the alleged debt.\n\nUnder the Fair Debt Collection Practices Act, when a consumer disputes a debt and requests validation, the debt collector must cease collection activity until proper validation is provided. Reporting a debt to consumer reporting agencies while failing to validate the debt constitutes continued collection activity.\n\nAdditionally, under the Fair Credit Reporting Act, any company furnishing information to credit reporting agencies must ensure that the information is accurate and must conduct a reasonable investigation when a consumer disputes the information.\n\nMidland Credit Management has failed to provide : A copy of the original signed agreement or contract Documentation proving I am legally responsible for the alleged debt Documentation showing Midland Credit Management has legal assignment or ownership of the debt A complete accounting of the alleged balance Despite these failures, Midland Credit Management continues to report the account to the credit bureaus.\n\nI believe Midland Credit Management is reporting information that has not been properly verified and has failed to comply with the requirements of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.","date_sent_to_company":"2026-03-10T04:05:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"237XX","tags":null,"has_narrative":true,"complaint_id":"20117806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-03-10T03:58:06.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am filing this complaint regarding Midland Credit Managements continued reporting of an <em>alleged</em> <em>debt</em> that I formally <em>disputed</em> and requested validation for.\n\nI previously sent written correspondence <em>disputing</em> this account and requesting validation of the <em>alleged</em> <em>debt</em>. My <em>dispute</em> requested documentation proving the <em>existence</em> of the <em>debt</em>, proof that Midland Credit Management has legal authority to collect, and documentation showing the <em>accuracy</em> of the balance being reported."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[18.466923,"20117806"]},{"_index":"complaint-public-v1","_id":"21277054","_score":18.313103,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against Credit Acceptance Corporation regarding a disputed account and their refusal to provide verification of the alleged debt.\n\nI previously submitted a written request seeking validation and documentation of this account. In response, Credit Acceptance stated that they are not required to validate the debt because they are not a third-party debt collector.\n\nHowever, this response fails to address their obligations under the Fair Credit Reporting Act ( FCRA ). If Credit Acceptance is furnishing this account to any credit reporting agency, they are legally required to ensure the information is accurate, verifiable, and properly investigated upon dispute.\n\nTo date, Credit Acceptance has failed to provide any documentation supporting : The existence of a valid contract bearing my signature A complete and accurate accounting of the alleged balance Proof of their legal right to collect the debt Their refusal to provide verification while continuing to report or attempt to collect this debt raises serious concerns about the accuracy and legality of their reporting practices.\n\nI am requesting : A full investigation of this account under the FCRA Immediate deletion of this account from all credit reporting agencies if it can not be properly verified All supporting documentation related to this alleged debt Please investigate this matter and ensure compliance with federal and state consumer protection laws. \n\nThey also continued to try to collect the debt while being disputed.","date_sent_to_company":"2026-04-15T20:17:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"92780","tags":null,"has_narrative":true,"complaint_id":"21277054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2026-04-15T20:05:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["To date, Credit Acceptance has failed to provide any documentation supporting : The <em>existence</em> of a valid contract bearing my signature A complete and accurate accounting of the <em>alleged</em> balance Proof of their legal right to collect the <em>debt</em> Their refusal to provide verification while continuing to report or attempt to collect this <em>debt</em> raises serious concerns about the <em>accuracy</em> and legality of their reporting practices."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Auto <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.313103,"21277054"]},{"_index":"complaint-public-v1","_id":"8155943","_score":18.208536,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engel haloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.\n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-14T16:07:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"92585","tags":null,"has_narrative":true,"complaint_id":"8155943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MARINER FINANCE, LLC","date_received":"2024-01-14T16:01:47.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.208536,"8155943"]},{"_index":"complaint-public-v1","_id":"8155847","_score":18.208536,"_source":{"product":"Debt collection","complaint_what_happened":"Today, XX/XX/2024 as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-14T16:23:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"92585","tags":null,"has_narrative":true,"complaint_id":"8155847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WHEELS FINANCIAL GROUP, LLC.","date_received":"2024-01-14T16:19:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.208536,"8155847"]},{"_index":"complaint-public-v1","_id":"8140188","_score":18.208536,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/2024, as a federally protected consumer XXXX seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n. \nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-10T16:06:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"85033","tags":null,"has_narrative":true,"complaint_id":"8140188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COLLECTIONS USA, INC.","date_received":"2024-01-10T16:02:18.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.208536,"8140188"]},{"_index":"complaint-public-v1","_id":"8139360","_score":18.208536,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). \n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-10T09:50:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"73110","tags":null,"has_narrative":true,"complaint_id":"8139360","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"T.S. Holdings","date_received":"2024-01-10T09:47:42.000Z","state":"OK","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Rental <em>debt</em>"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[18.208536,"8139360"]},{"_index":"complaint-public-v1","_id":"8138815","_score":18.208536,"_source":{"product":"Debt collection","complaint_what_happened":"Firstly, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). \n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-10T08:49:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"85033","tags":null,"has_narrative":true,"complaint_id":"8138815","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2024-01-10T08:40:22.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.208536,"8138815"]},{"_index":"complaint-public-v1","_id":"8138345","_score":18.208536,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-10T20:57:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"73112","tags":null,"has_narrative":true,"complaint_id":"8138345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2024-01-10T20:49:25.000Z","state":"OK","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"company":["A/KA Columbia <em>Debt</em> Recovery, LLC d/b/a Genesis"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.208536,"8138345"]},{"_index":"complaint-public-v1","_id":"8126335","_score":18.208536,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. The amount said that is owed at XXXX. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). \n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-08T14:22:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"731XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8126335","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2024-01-08T14:18:54.000Z","state":"OK","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.208536,"8126335"]},{"_index":"complaint-public-v1","_id":"8121471","_score":18.208536,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer XXXX seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore XXXX  such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct XXXX  erroneous reports of this debt as mine. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. XXXX  attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing XXXX  XXXX  ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-08T03:12:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"27834","tags":null,"has_narrative":true,"complaint_id":"8121471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2024-01-08T03:08:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing XXXX  XXXX  ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.208536,"8121471"]},{"_index":"complaint-public-v1","_id":"8155976","_score":18.19978,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engel haloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-14T16:13:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"92585","tags":null,"has_narrative":true,"complaint_id":"8155976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-01-14T16:09:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.19978,"8155976"]},{"_index":"complaint-public-v1","_id":"8142685","_score":18.19978,"_source":{"product":"Debt collection","complaint_what_happened":"Firstly, XX/XX/2023, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). \n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-10T09:14:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"85033","tags":null,"has_narrative":true,"complaint_id":"8142685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The CMI Group, Inc.","date_received":"2024-01-10T09:07:36.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.19978,"8142685"]},{"_index":"complaint-public-v1","_id":"8139484","_score":18.19978,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). \n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-10T09:24:34.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"73110","tags":null,"has_narrative":true,"complaint_id":"8139484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAC Financial Corp","date_received":"2024-01-10T09:20:39.000Z","state":"OK","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.19978,"8139484"]},{"_index":"complaint-public-v1","_id":"8126459","_score":18.19978,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but\nrather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-08T14:15:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"731XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8126459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-01-08T14:08:17.000Z","state":"OK","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but\nrather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.19978,"8126459"]},{"_index":"complaint-public-v1","_id":"8138899","_score":18.197477,"_source":{"product":"Debt collection","complaint_what_happened":"Firstly, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-10T08:59:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"85033","tags":null,"has_narrative":true,"complaint_id":"8138899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-01-10T08:56:33.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.197477,"8138899"]},{"_index":"complaint-public-v1","_id":"8136761","_score":18.197477,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhaloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.\n\n.\n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-10T17:21:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"73120","tags":null,"has_narrative":true,"complaint_id":"8136761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-01-10T17:18:20.000Z","state":"OK","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[18.197477,"8136761"]},{"_index":"complaint-public-v1","_id":"8121483","_score":18.197477,"_source":{"product":"Credit card","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validating violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.","date_sent_to_company":"2024-01-08T03:19:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"27834","tags":null,"has_narrative":true,"complaint_id":"8121483","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-01-08T03:14:00.000Z","state":"NC","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the <em>alleged</em> <em>debts</em> <em>existence</em> ( original <em>alleged</em> contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this <em>alleged</em> matter."],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[18.197477,"8121483"]},{"_index":"complaint-public-v1","_id":"8156739","_score":18.1872,"_source":{"product":"Debt collection","complaint_what_happened":"Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engel haloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. \n\nI am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).\n\n806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. 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