{"took":495,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":53,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2718084","_score":28.815014,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX Please provide proof of notice that was given that was to be submitted Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on. Once a collections agency notifies the individual that they owe a debt, the individual has 30 days to validate or dispute the debt. The collections company is not allowed to continue collections procedures until after the debt is validated or disputed. \n\nU.S. Code Title 15 Chapter 41 Subchapter V 1692g 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and PLEASE PROVIDE PROOF OF NOTICE THAT THIS WAS SENT TO ME WITHIN THE TIME FRAME ALLOWED ( certified mail # XXXX ) RECEIVED BY YOUR OFFICE XXXX/XXXX/XXXX ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. \nXXXX c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. -NOTICE WAS NEVER RECEIVED, SO THEREFORE I WAS NEVER GIVEN THE RIGHT TO DISPUTE ( d ) Legal pleadings ( certified # XXXX ) A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). \n\nIf the account has been sold to another creditor, then that creditor must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to it. Often such proof will be a bill of sale, an assignment, or a receipt between the last creditor holding the debt and the entity suing you.","date_sent_to_company":"2017-11-01T19:21:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2718084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RentDebt Automated Collections, LLC","date_received":"2017-11-01T18:27:30.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX Please provide <em>proof</em> of notice that was <em>given</em> that was to be <em>submitted</em> <em>Within</em> <em>five</em> <em>days</em> of the <em>collector</em> 's <em>initial</em> communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt <em>within</em> 30 <em>days</em>. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on."]},"sort":[28.815014,"2718084"]},{"_index":"complaint-public-v1","_id":"3205975","_score":25.668829,"_source":{"product":"Debt collection","complaint_what_happened":"Asset Recovery Solutions first reported on my Credit report on XX/XX/XXXX in the amount of {$740.00}. I never received any notice from this company nor was I given the opportunity to dispute or request method of verification prior to this company posting on my credit report. I don't know any further information about this debt. I initially contacted this company in XX/XX/XXXX to request proof that this debt belongs to me but was unsuccessful. I've submitted multiple disputes with the credit bureaus to remove this from my record but the dispute results always came back as \" account verified as accurate ''. Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), I have the right to request the \" Method of Verification ''. The credit reporting agency must give you the method of verification information within 15 days of your request. I request \" method of verification '' from both the debt collector and Credit bureaus via certified mail and was unsuccessful each time. XX/XX/XXXX, I contacted Asset Recovery again to find some sort of resolution and to request for proof. I was informed that this debt was now sold to another agency, which no contact information was provided. I refuse to pay this company without proof. \n\nAs stated in the FDCPA, Asset Recovery Solutions must send a validation notice within five days of their first contact with you. That initial letter must include a warning known as a Mini Miranda stating : The communication is from a debt collector and that any information obtained may be used to collect the debt. The initial letter must also state you have 30 days to request debt validation, otherwise, they will assume the debt belongs to you. I never received a letter from Asset Recovery Solutions which does not include the Mini Miranda so this means FDCPA has been violated which I will now pursue legal matters. I request proof that this account belongs to me. If this company fails to provide proof, I want them removed off of my credit report as soon as possible.","date_sent_to_company":"2019-04-09T12:42:52.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"20774","tags":"Servicemember","has_narrative":true,"complaint_id":"3205975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Asset Recovery Solutions, LLC","date_received":"2019-04-09T12:02:58.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["As stated in the FDCPA, Asset Recovery Solutions must send a validation notice <em>within</em> <em>five</em> <em>days</em> of their first contact with you. That <em>initial</em> letter must include a warning known as a Mini Miranda stating : The communication is from a debt <em>collector</em> and that any information obtained may be used to collect the debt. The <em>initial</em> letter must also state you have 30 <em>days</em> to request debt validation, otherwise, they will assume the debt belongs to you."]},"sort":[25.668829,"3205975"]},{"_index":"complaint-public-v1","_id":"20395296","_score":25.252615,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint against TrueAccord, a debt collection agency, regarding their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ). \nI recently discovered that TrueAccord has placed a collection account on my credit report. However, I never received any written notice, validation notice, or communication from this company regarding the alleged debt prior to it being reported.\n\nUnder the FDCPA, specifically 15 U.S.C. 1692g, a debt collector is required to provide a written notice containing key details of the debt within five days of their initial communication with a consumer. To this day, I have not received any such notice, nor have I been given the opportunity to dispute or validate this alleged debt. \nThis lack of proper notification has negatively impacted my credit and my livelihood. I believe this is a clear violation of my rights as a consumer. \nI am requesting the following : A full investigation into TrueAccords reporting practices.\n\nImmediate validation of the alleged debt, including all supporting documentation.\n\nRemoval of this account from my credit report if they can not provide proof that proper notice was given and that the debt is valid. \nConfirmation that my rights under the FDCPA will be upheld moving forward. \nPlease keep me informed of the progress and resolution of this complaint. I appreciate your attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-19T01:03:31.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"60440","tags":null,"has_narrative":true,"complaint_id":"20395296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TrueAccord Corp.","date_received":"2026-03-19T00:57:48.000Z","state":"IL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Under the FDCPA, specifically 15 U.S.C. 1692g, a debt <em>collector</em> is required to provide a written notice containing key details of the debt <em>within</em> <em>five</em> <em>days</em> of their <em>initial</em> communication with a consumer. To this day, I have not received any such notice, nor have I been <em>given</em> the opportunity to dispute or validate this alleged debt. \nThis lack of proper notification has negatively impacted my credit and my livelihood. I believe this is a clear violation of my rights as a consumer."]},"sort":[25.252615,"20395296"]},{"_index":"complaint-public-v1","_id":"18431852","_score":21.101677,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint against Caine & Weiner regarding a collection account reporting on my credit file under the account number listed above. I dispute this account in its entirety. \nI have no knowledge of this alleged debt, never received any written notice, and was not provided the legally required disclosures before this account appeared on my credit report. Under FDCPA 809 ( a ), a debt collector must send written notice within five days of initial communication, including the name of the original creditor, the amount of the debt, and notice of my right to dispute and request validation. That did not occur here. The first notice I received was credit reporting, which is unlawful. \nI have done extensive research on Caine & Weiner and am aware of their long history of consumer complaints, regulatory scrutiny, and litigation involving improper collection activity, failure to validate debts, inaccurate credit reporting, and violations of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Given this documented pattern, their continued reporting of this account without validation is especially concerning.\n\nI have requested validation of this alleged debt, yet Caine & Weiner has failed to provide any documentation establishing : The original creditor The legal basis for the debt A signed contract or agreement A complete itemized accounting The date of first delinquency Proof of assignment or ownership Proof that proper written notice was sent to me Under FCRA 607 ( b ), furnishers must ensure maximum possible accuracy. Under FCRA 623 ( a ), information that is inaccurate, misleading, or unverifiable may not be reported. Reporting a collection without validation, notice, or supporting documentation violates both statutes. \nAdditionally, XXXX XXXX compliance standards require furnishers to report complete, accurate, and non-misleading data. Reporting a collection without identifying the debt, original creditor, or validation history is inherently misleading and non-compliant. \nCaine & Weiners continued reporting of this account after failing to validate it constitutes willful noncompliance, especially given their awareness of federal reporting obligations and their history of enforcement actions.","date_sent_to_company":"2026-01-02T22:24:15.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"765XX","tags":null,"has_narrative":true,"complaint_id":"18431852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2026-01-02T22:20:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Under FDCPA 809 ( a ), a debt <em>collector</em> must send written notice <em>within</em> <em>five</em> <em>days</em> of <em>initial</em> communication, including the name of the original creditor, the amount of the debt, and notice of my right to dispute and request validation. That did not occur here. The first notice I received was credit reporting, which is unlawful."]},"sort":[21.101677,"18431852"]},{"_index":"complaint-public-v1","_id":"10450887","_score":16.838528,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding a fraudulent debt reported and collected by Online Collections XXXX under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and others. Furthermore, Online Collections XXXX is not licensed to collect in XXXX XXXX, adding another layer of non-compliance. \n\nDetails of the Violations : 1. Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to notify consumers of any alleged debt within five days of the initial communication, including information on how to dispute the debt. Online Collections XXXX failed to provide me with this notice, depriving me of my right to dispute the debt. \n2. Fraudulent Debt Reporting ( FCRA Violation ) : Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. Online Collections XXXX reported this debt without my authorization, which is a violation of the FCRA. \n3. Failure to Validate the Debt ( FDCPA Violation ) : As required by 15 U.S.C. 1692g ( b ) of the FDCPA, Online Collections XXXX must cease all collection activities until the debt is validated if the consumer disputes it. I have not been provided with sufficient proof or validation of the alleged debt, which further violates this provision. \n4. Unlawful Debt Collection Practices ( FDCPA Violation ) : Online Collections GRVLs continued efforts to collect this debt, despite my dispute and request for validation, violate FDCPA provisions related to unfair collection practices, including harassment ( 15 U.S.C. 1692d ) and false or misleading representations ( 15 U.S.C. 1692e ).\n\n5. Violation of the Fair Credit Billing Act ( FCBA ) : Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), consumers have the right to dispute billing errors within 60 days, which Online Collections XXXX has disregarded. Their failure to address my dispute adequately or provide verification of the debt is a violation of this act. \n6. Violation of State Licensing Laws : Online Collections XXXX is not licensed to collect debts in XXXX XXXX, yet they continue to engage in collection activities. This is a direct violation of both the FDCPA and local state laws requiring collectors to be licensed in the jurisdictions in which they operate. \n7. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the XXXX XXXX XXXX Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), Online Collections XXXX actions constitute unfair, deceptive, and abusive acts or practices. By attempting to collect on a fraudulent debt, failing to validate it, and engaging in unauthorized collection practices in XXXX XXXX, they are violating XXXX. \n8. Failure to Cease Communication ( FDCPA Violation ) : After requesting Online Collections GRVL to cease all communication regarding this disputed debt, they continued to contact me. This violates 15 U.S.C. 1692c ( c ) of the FDCPA, which requires collectors to stop communication upon request except for specific legal actions. \n9. Attempting to Collect Unauthorized Fees ( FDCPA Violation ) : Under 15 U.S.C. 1692f ( 1 ), a debt collector may not collect any amount, including interest, fees, or charges, unless it is expressly authorized by the agreement creating the debt or permitted by law. Online Collections XXXX has attempted to collect unauthorized fees in connection with this disputed debt.","date_sent_to_company":"2024-10-14T04:41:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"10450887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2024-10-14T04:37:34.000Z","state":"PR","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), debt <em>collectors</em> are required to notify consumers of any alleged debt <em>within</em> <em>five</em> <em>days</em> of the <em>initial</em> communication, including information on how to dispute the debt. Online Collections XXXX failed to provide me with this notice, depriving me of my right to dispute the debt. \n2."]},"sort":[16.838528,"10450887"]},{"_index":"complaint-public-v1","_id":"5104200","_score":16.649523,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CFPB it is my request that you review and assess my concerns below before just forwarding over based on violations. \n\n\nReference # XXXX Although, I have no confidence that my concerns will be properly handled and/or reach the desk of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will not subside. XXXX has yet to properly address my statements as outlined and reiterated below in response to your successive CFPB unsatisfactory responses. I have attached most recent as your reference. \nThis is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g. I respectfully and humbly ask that your office provide me with competent evidence that I have any legal obligation to pay XXXX. At this time, I will also like to inform you that your offices have reported invalidated information to all three major credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit reports by your company you represent, I will not hesitate in bringing legal action against your and your client for the following violation of the FCRA, FDCPA, and Defamation of character ( per se ). \nXXXX Statement : We have validated the debt for the consumer more than once. ( Per attached response ) Consumer Response : To date, I have received no proof of validation in accordance with Congress requirements noted in 15 USC 1692g ( a ). Shown below for your reference. \n( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \nXXXX Statement : The consumer has an incorrect conception of debt validation. We have validated the debt under the requirements of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act Consumers Response : These are not assumptions, as stated above these are all requirements set forth by congress relating to verification requirement for alleged debt. \nThere is no grey area, I believe the individuals handling the complaint responses are not well versed in consumer laws and violations surrounding such. If you have provided the above information along with proof of receipt by consumer such as tracking information, etc, please advise. Otherwise, there is no validity to this claim. \n\nXXXX Statement : Should XXXX XXXX have Documentation to the contrary or wishes to allege identity theft or fraud, we would investigate the allegations once a fraud affidavit with a police report is received Consumers Response : This response further violates my rights as a consumer whereas there are no laws governing your request that police report be provided. These are all statements made up by XXXX in efforts to further camouflage their faulty and deceptive business practices. Please provide law supporting your request otherwise you are making up your own request is not legal. \nXXXX Statement : Theconsumer has made incorrect assumptions. XXXX XXXX XXXX Virginia is the owner of this debt. They contended that XXXX XXXX signed up for and used their utility services. \nConsumer Statement : If your statement is in fact true, my question remains unanswered. \n\nWho provided XXXX with authorization to obtain my information and collect on behalf of XXXX XXXX? Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer which I did not provide so therefore whether you are collecting on their behalf of not you have no right without my consent!!!!!!!!!!!!!!! You are not legally able to just go around collecting debt on behalf of someone in which you have no contractual agreement with. There are no laws governing this no should any information have been given to XXXX without consumer permission. \nXXXX Statement : Should XXXX XXXX have Documentation to the contrary or wishes to allege identity theft or fraud, we would investigate the allegations once a fraud affidavit with a police report is received. Until that time, the account is on hold, and we will continue to report it as disputed to the credit reporting agencies until we hear from the consumer. \nConsumer Response : The Consumer, never gave XXXX consent to furnish ANYTHING on my consumer report. Pursuant to Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer you do not have consent to furnish information. Who gave XXXX authorization? \nThere is no federal law that indicates you must furnish anything on my consumer report without my consent. \nBased on my consumer reports, XXXX reflects that my disputes were reinvestigated in XX/XX/2021. Per my last request, Please provide proof with steps taken to investigate. Corresponding Violation : 15 USC Code 1681a defines an investigation by performance of interview with either neighbors, friends, or associates of the consumer. \nPlease provide written response with whom you performed interviews within order to investigate debt XXXX Statement : Our client maintains ownership of their account ; therefore, we service the account on their behalf. \nConsumer Response : If XXXX is truly not a debt purchaser your communication sent out to me is also in further violation and misleading and further justifies my point. If XXXX only works on behalf of client, why is all information listed on my consumer report reflect XXXX? \nAlso the attached communication that was submitted to me by XXXX is a direct violation pursuant to 15 USC 1692 ( b ) ( 2 ) which states States that your communication should not state that consumer owes any debt. Please see your communication dated XX/XX/2021 which outlines the violation made by XXXX. \nMy request is that be removed from my consumer report immediately due to the violations stated, if account is not removed immediately, I will move forward with legal actions against your company. \nYour bogus company reflects on my consumer report as a charged off debt. IRS categories a charge-off as gross or ordinary income. This should be deleted as income should not be reported on ANY consumer report. This back and forth with XXXX has been extremely stressful and it is my hope that individuals who understand above mentioned violations will be able to comprehend and delete alleged debt to avoid further escalation. \nThanks, XXXX XXXX XXXX","date_sent_to_company":"2022-01-12T15:40:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"5104200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CONTRACT CALLERS INC","date_received":"2022-01-12T15:32:29.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( a ) NOTICE OF DEBT ; CONTENTS <em>Within</em> <em>five</em> <em>days</em> after the <em>initial</em> communication with a consumer in connection with the collection of any debt, a debt <em>collector</em> shall, unless the following information is contained in the <em>initial</em> communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, <em>within</em> thirty <em>days</em> after receipt of the notice"]},"sort":[16.649523,"5104200"]},{"_index":"complaint-public-v1","_id":"8016651","_score":16.623487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is regarding THE BUREAUS INC. and their reporting to my consumer report via XXXX, XXXX AND XXXX. A dispute was sent to THE BUREAUS INC at XXXX XXXX XXXX XXXX XXXX XXXX, IL on XX/XX/2023. There was no action of removal of the account in response to this dispute. However, they did comply to cease communication. \n\nTHE BUREAUS INC. Violated my federally protected rights under the FDCPA. \n1006.34 Notice for validation of debts.\n\n( a ) Validation information required.\n\n( 1 ) In general.Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.\n\n1006.34 ( b ) ( 3 ) ( v ) ( 4 ) Validation noticemeans a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.\n\n( 5 ) Validation periodmeans the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it.\n\n1006.34 ( c ) ( 3 ) ( 3 ) Information about consumer protections.\n\n( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.\n\n( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor.\n\n( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid.\n\n( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureaus website atwww.cfpb.gov/debt-collection.\n\n( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically. \n\n\n1006.38 Disputes and requests for original-creditor information.\n\n( a ) Definitions.For purposes of this section, the following definitions apply : ( 1 ) Duplicative disputemeans a dispute submitted by the consumer in writing within the validation period that : ( i ) Is substantially the same as a dispute previously submitted by the consumer in writing within the validation period for which the debt collector already has satisfied the requirements of paragraph ( d ) ( 2 ) ( i ) of this section; and ( ii ) Does not include new and material information to support the dispute.\n\n( 2 ) Validation periodhas the same meaning given to it in 1006.34 ( b ) ( 5 ).\n\n( b ) Overshadowing of rights to dispute or request original-creditor information.\n\n( 1 ) Prohibition.During the validation period, a debt collector must not engage in any collection activities or communications that overshadow or are inconsistent with the disclosure of the consumers rights to dispute the debt and to request the name and address of the original creditor. \n( 2 ) XXXX XXXXA debt collector who uses Model Form B1 in appendix B to this part in a manner described in 1006.34 ( d ) ( 2 ) has not thereby violated paragraph ( b ) ( 1 ) of this section.\n\n( c ) Requests for original-creditor information.Upon receipt of a request for the name and address of the original creditor submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt until the debt collector : ( 1 ) In general.Sends the name and address of the original creditor to the consumer in writing or electronically in the manner required by 1006.42 ; or ( 2 ) Special rule if the current creditor and the original creditor are the same.In lieu of taking the actions described in paragraph ( c ) ( 1 ) of this section, reasonably determines that the original creditor is the same as the current creditor, notifies the consumer of that fact in writing or electronically in the manner required by 1006.42, and refers the consumer to the validation information previously provided pursuant to 1006.34 ( a ) ( 1 ).\n\n( d ) Disputes ( 1 ) Failure to dispute.The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.\n\n( 2 ) Response to disputes.Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt, or any disputed portion of the debt, until the debt collector : ( i ) Sends a copy either of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; or ( ii ) In the case of a dispute that the debt collector reasonably determines is a duplicative dispute, either : 1006.38 ( d ) ( 1 ) ( A ) Notifies the consumer in writing or electronically in the manner required by 1006.42 ( a ) ( 1 ) that the dispute is duplicative, provides a brief statement of the reasons for the determination, and refers the consumer to the debt collectors response to the earlier dispute; or ( B ) Satisfies paragraph ( d ) ( 2 ) ( i ) of this section.\n\nTHE BUREAUS, INC. is not a consumer reporting agency nor are they a consumer protection bureau. The company filing shows that they are a for profit company and are a debt collector originated in Illinois and licensed in the state of OHIO. The are not a consumer agency or \" Bureau '' as stated in their company name. This is a violation under the following federal regulations : 1006.18 False, deceptive, or misleading representations or means.\n\n( a ) In general.A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.\n\n( b ) False, deceptive, or misleading representations.\n\n( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.\n\n( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).\n\n( iii ) Any individual is an attorney or that any communication is from an attorney.\n\n( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.\n\n( vi ) Accounts have been turned over to innocent purchasers for value.\n\n( vii ) Documents are legal process.\n\n( viii ) Documents are not legal process forms or do not require action by the consumer.\n\nUnder \" Volenti non fit injuria '' tort law. Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. THE BUREAUS., knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt THEY CAN NOT CRY INJURY OR DAMAGE FOR RISK THEY WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria THE BUREAU INC. had not provided legal obligation that I have to pay them. This includes but is not limited to : 1. The original agreement from the creditor that authorizes you to collect on this alleged debt or a copy of such agreement.\n\n2. The agreement bearing my signature stating that I have agreed to assume the debt.\n\n3. Valid copies of the debt agreement stating the amount of the debt and interest charges.\n\n4. Proof that the Statute of Limitations for collecting this debt has not expired.\n\n5. A comprehensive history of the payments made on this account, if any were made.\n\n6. An explanation in detail as to how you calculated the amount you're asking.\n\n7. Any court judgment against me regarding this debt.\n\n8. competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. I believe this is a reasonable request given the circumstances.\n\nIn order to validate that this is permissible to be reported on my consumer report.\n\nI did not and never have authorized ( verbally or written ) an account with THE BUREAUS INC to be furnished on my consumer reports. This violates 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is a law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.\n\n( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.\n\n( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.","date_sent_to_company":"2023-12-20T15:12:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44128","tags":null,"has_narrative":true,"complaint_id":"8016651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Bureaus, Inc.","date_received":"2023-12-17T16:55:23.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( 1 ) In general.Except as provided in paragraph ( a ) ( 2 ) of this section, a debt <em>collector</em> must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the <em>initial</em> communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) <em>Within</em> <em>five</em> <em>days</em> of that <em>initial</em> communication; or ( ii ) By providing the validation information orally in the"]},"sort":[16.623487,"8016651"]},{"_index":"complaint-public-v1","_id":"10145550","_score":16.226845,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding a fraudulent debt reported and collected by NATIONAL CREDIT SYSTEMS under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and others. Furthermore, NATIONAL CREDIT SYSTEMS is not licensed to collect in the XXXX XXXX XXXXXXXX XXXX, adding another layer of non-compliance. \n\nDetails of the Violations : XXXX. Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to notify consumers of any alleged debt within five days of the initial communication, including information on how to dispute the debt. NATIONAL CREDIT SYSTEMS failed to provide me with this notice, depriving me of my right to dispute the debt. \nXXXX. Fraudulent Debt Reporting ( FCRA Violation ) : Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. NATIONAL CREDIT SYSTEMS reported this debt without my authorization, which is a violation of the FCRA. \nXXXX. Failure to Validate the Debt ( FDCPA Violation ) : As required by 15 U.S.C. 1692g ( b ) of the FDCPA, NATIONAL CREDIT SYSTEMS must cease all collection activities until the debt is validated if the consumer disputes it. I have not been provided with sufficient proof or validation of the alleged debt, which further violates this provision. \nXXXX. Unlawful Debt Collection Practices ( FDCPA Violation ) : NATIONAL CREDIT SYSTEMSs continued efforts to collect this debt, despite my dispute and request for validation, violates FDCPA provisions related to unfair collection practices, including harassment ( 15 U.S.C. 1692d ) and false or misleading representations ( 15 U.S.C. 1692e ). \nXXXX. Violation of the Fair Credit Billing Act ( FCBA ) : Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), consumers have the right to dispute billing errors within 60 days, which NATIONAL CREDIT SYSTEMS has disregarded. Their failure to address my dispute adequately or provide verification of the debt is a violation of this act. \nXXXX. Violation of State Licensing Laws : NATIONAL CREDIT SYSTEMS is not licensed to collect debts in the XXXX XXXX XXXXXXXX XXXX, yet they continue to engage in collection activities. This is a direct violation of both the FDCPA and local state laws requiring collectors to be licensed in the jurisdictions in which they operate. \nXXXX. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), NATIONAL CREDIT SYSTEMS actions constitute unfair, deceptive, and abusive acts or practices. By attempting to collect on a fraudulent debt, failing to validate it, and engaging in unauthorized collection practices in the XXXX XXXX XXXX, they are violating XXXX. \nXXXX. Failure to Cease Communication ( FDCPA Violation ) : After requesting NATIONAL CREDIT SYSTEMS to cease all communication regarding this disputed debt, they continued to contact me. This violates 15 U.S.C. 1692c ( c ) of the FDCPA, which requires collectors to stop communication upon request except for specific legal actions. \nXXXX. Attempting to Collect Unauthorized Fees ( FDCPA Violation ) : Under 15 U.S.C. 1692f ( 1 ), a debt collector may not collect any amount, including interest, fees, or charges, unless it is expressly authorized by the agreement creating the debt or permitted by law. NATIONAL CREDIT SYSTEMS has attempted to collect unauthorized fees in connection with this disputed debt.","date_sent_to_company":"2024-09-17T21:38:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10145550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-09-17T20:25:53.000Z","state":"AK","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), debt <em>collectors</em> are required to notify consumers of any alleged debt <em>within</em> <em>five</em> <em>days</em> of the <em>initial</em> communication, including information on how to dispute the debt. NATIONAL CREDIT SYSTEMS failed to provide me with this notice, depriving me of my right to dispute the debt. \nXXXX."]},"sort":[16.226845,"10145550"]},{"_index":"complaint-public-v1","_id":"10435500","_score":16.208776,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding a fraudulent debt reported and collected by FirstPoint Coll Resources under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and others. Furthermore, FirstPoint Coll Resources is not licensed to collect in XXXX XXXX, adding another layer of non-compliance. \n\nDetails of the Violations : 1. Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to notify consumers of any alleged debt within five days of the initial communication, including information on how to dispute the debt. FirstPoint Coll Resources failed to provide me with this notice, depriving me of my\n\nright to dispute the debt. 2. Fraudulent Debt Reporting ( FCRA Violation ) : Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report with\nout my permission. FirstPoint Coll Resources reported this debt without my authorization, which is a violation of the FCRA.\n\n3. Failure to Validate the Debt ( FDCPA Violation ) : As required by\n15 U.S.C. 1692g ( b ) of the FDCPA, FirstPoint Coll Resources must cease all collection activities until the debt is validated if the consumer disputes it. I have not been provided with sufficient proof or validation of the alleged debt, which further violates this provision.\n\n4. Unlawful Debt Collection Practices ( FDCPA Violation ) : FirstPoint Coll Resources continued efforts to collect this debt, despite my dispute and request for validation, violate FDCPA provisions related to unfair collection practices, including harassment ( 15 U.S.C. 1692d ) and false or misleading representations ( 15 U.S.C. 1692e ).\n\n5. Violation of the Fair Credit Billing Act ( FCBA ) : Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), consumers have the right to dispute billing errors within 60 days, which FirstPoint Coll Resources has disregarded. Their failure to address my dispute adequately or provide verification of the debt is a violation of this act.\n\n6. Violation of State Licensing Laws : FirstPoint Coll Resources is not licensed to collect debts in XXXX XXXX, yet they continue to engage in collection activities. This is a direct violation of both the FDCPA and local state laws requiring collectors to be licensed in the jurisdictions in which they operate.\n\n7. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), FirstPoint Coll Resources actions constitute unfair, deceptive, and abusive acts or practices. By attempting to collect on a fraudulent debt, failing to validate it, and engaging in unauthorized collection practices in XXXX XXXX, they are violating UDAAP.\n\n8. Failure to Cease Communication ( FDCPA Violation ) : After requesting FirstPoint Coll Resources to cease all communication regarding this disputed debt, they continued to contact me. This violates 15 U.S.C. 1692c ( c ) of the FDCPA, which requires collectors to stop communication upon request except for specific legal actions.\n\n9. Attempting to Collect Unauthorized Fees ( FDCPA Violation ) : Under 15 U.S.C. 1692f ( 1 ), a debt collector may not collect any amount, including interest, fees, or charges, unless it is expressly authorized by the agreement creating the debt or permitted by law. FirstPoint Coll Resources has attempted to collect unauthorized fees in connection with this disputed debt.","date_sent_to_company":"2024-10-14T04:49:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"10435500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FirstPoint Collection Resources","date_received":"2024-10-14T04:44:07.000Z","state":"PR","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), debt <em>collectors</em> are required to notify consumers of any alleged debt <em>within</em> <em>five</em> <em>days</em> of the <em>initial</em> communication, including information on how to dispute the debt. FirstPoint Coll Resources failed to provide me with this notice, depriving me of my\n\nright to dispute the debt. 2."]},"sort":[16.208776,"10435500"]},{"_index":"complaint-public-v1","_id":"12465200","_score":15.728474,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint Against Jensen Sullivan for Fraudulent Account Reporting & Unlawful Debt Collection Practices To : Consumer Financial Protection Bureau ( CFPB ) & Utah Department of Financial Institutions Subject : Unauthorized Accounts, Violation of Fair Credit Reporting Act ( FCRA ), and Unlawful Debt Collection Practices Dear Consumer Finance Officials, I am filing this formal complaint against Jensen Sullivan for reporting fraudulent accounts on my credit report and for violating federal and Utah state laws regarding debt collection practices. Despite my clear evidence of identity theft, Jensen Sullivan continues to report and attempt to collect on accounts that do not belong to me. Furthermore, they sued me without ever providing the legally required debt validation notice, depriving me of my right to dispute the debt before legal action was taken. These actions violate the Fair Credit Reporting Act ( FCRA )\n\n( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), and the Utah Consumer Credit Protection Act ( UCCPA ) ( Utah Code 13-45-201 et seq. ). Details of the Fraudulent Accounts & Debt Collection Violations : I never applied\nfor, agreed to, or had any accounts with Jensen Sullivan.\n\nI never signed any contract or agreement authorizing these accounts.\n\nUpon discovering these fraudulent accounts on my credit report, I promptly disputed them with both Jensen Sullivan and the credit bureaus.\n\nI requested proof of the alleged accounts, including any signed agreements or supporting documentation. Jensen Sullivan failed to provide any evidence, violating\n\n15 U.S.C. 1681g ( a ) ( 1 ). I submitted a police report and an identity theft affidavit, as required under 15 U.S.C. 1681c-2 ( a ) and Utah Code 13-45-201, pro\nving these accounts were fraudulently opened in my name.\n\nJensen Sullivan sued me for this fraudulent debt\n\nwithout ever sending me a written notice of the debt within a reasonable time, violating 15 U.S.C. 1692g ( a ), which requires debt collectors to send a written validation notice within five days of initial contact. Because they failed to send me proper notice, I was denied my legal right to dispute the debt before being sued, violating both the FDCPA and Utah\nstate debt collection laws.\n\nViolations Committed by Jensen Sullivan : Violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ) : Jensen Sullivan is required to furnish only accurate information to credit bureaus. By reporting accounts that do not belong to me, they are in direct violation of federal law.\n\nFailure to Investigate ( 15 U.S.C. 1681s-2 ( b ) ) : Once I disputed these accounts, Jensen Sullivan had a legal obligation to conduct a reasonable investigation. Their failure to provide documentation or conduct a proper investigation violates the FCRA.\n\nFailure to Block Identity Theft-Related Information ( 15 U.S.C. 1681c-2 ( a ) ) : After receiving my police report and identity theft affidavit, Jensen Sullivan was legally required to block the fraudulent accounts from my credit report. Their refusal to do so is unlawful.\n\nViolation of FDCPA ( 15 U.S.C. 1692g ( a ) ) : Jensen Sullivan sued me for a debt without ever providing me a written notice of the debt withi\n\nn five days of initial contact, denying me my right to dispute the debt before legal action was taken. Violation of Utah Consumer Credit Protection Act ( Utah Code 13-45-\n201 ) : Jensen Sullivan has failed to comply with Utah law requiring proper debt verification and correction of fraudulent information.\n\nRequested Resolution : Given the clear evidence of fraud and Jensen Sullivans failure to comply with both federal and state laws, I demand the following immediate actions : Permanent removal of all fraudulent accounts from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). \nA written confirmation from Jensen Sullivan stating that these accounts have been deleted and will not be reinserted in the future.\n\nImmediate dismissal of any lawsuit filed against me based on this fraudulent debt.\n\nCompensation for damages under 15 U.S.C. 1681n, 1681o, and 15 U.S.C. 1692k, which allow for statutory and punitive damages due to their willful violations of the FCRA and FDCPA.\n\nIf this issue is not resolved within 15 days, I will escalate my complaint to the Federal Trade Commission ( FTC ), the Utah Attorney Generals Office, and pursue legal action for willful violations of my consumer rights.\n\nI expect a prompt response and resolution. Failure to comply will result in further legal consequences.","date_sent_to_company":"2025-03-14T01:51:57.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"84005","tags":null,"has_narrative":true,"complaint_id":"12465200","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Jensen & Sullivan, LLC","date_received":"2025-03-14T01:49:45.000Z","state":"UT","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["Jensen Sullivan sued me for this fraudulent debt\n\nwithout ever sending me a written notice of the debt <em>within</em> a reasonable time, violating 15 U.S.C. 1692g ( a ), which requires debt <em>collectors</em> to send a written validation notice <em>within</em> <em>five</em> <em>days</em> of <em>initial</em> contact. Because they failed to send me proper notice, I was denied my legal right to dispute the debt before being sued, violating both the FDCPA and Utah\nstate debt collection laws."]},"sort":[15.728474,"12465200"]},{"_index":"complaint-public-v1","_id":"11673334","_score":15.345361,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Request for Debt Validation and Cease and Desist Notice XXXX XXXX XXXX Dear Zion Debt Holdings LLC, Account # XXXX I am writing for the XXXX time in regard to your attempts to collect an alleged debt associated with XXXX This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable federal laws. I am requesting full validation and verification of this alleged debt, as well as a cessation of all communication with me, directly or indirectly, including communication through my consumer report.CEASE ALL COMMUNICATION WITH ME 15 USC 1692c... I refuse to pay this alleged debt ..... \n\nPursuant to my rights as a consumer, I demand that you provide the following information and documentation to substantiate your claim and demonstrate compliance with federal laws : Validation of Debt ( 15 U.S.C. 1692g ) : Provide a full validation of the alleged debt, including an itemized breakdown of the principal, interest, and fees. \n\nContract with Wet Ink Signature : Provide a certified copy of the original contract or application bearing my wet ink signature. If no such document exists, please explain why this is the case and how you verified this debt belongs to me. \n\nCertified Written Notice ( 15 U.S.C. 1692g ) : Provide a certified copy of the written notice you were required to send within five ( 5 ) days of your initial communication. This notice must include : The amount of the alleged debt. \n\nThe name of the original creditor. \n\nA statement notifying me of my right to dispute the debt within thirty ( 30 ) days of receipt. \n\nA disclosure that upon dispute, you are required to verify the debt and provide me with the name and address of the original creditor if different from the current creditor. \n\nChain of Assignment : Provide detailed documentation demonstrating the full chain of assignment of this alleged debt. This must include : A certified copy of the purchase agreement and assignment documents proving you legally own the debt. \n\nThe amount paid for the debt and documentation of the lawful purchase of my personal information. \n\nConsent documents that demonstrate you obtained my personal information lawfully and with authorization from me. \n\nProof of Authorization to Collect in XXXX : Provide evidence that you are licensed and authorized to collect debts in the state of XXXX. \n\nInformation Regarding Validation Process : Provide detailed information, ( Full disclosure ) including names, addresses, and dates of any neighbors or witnesses you contacted as part of your validation process. This must comply with FDCPA requirements. \n\nAffidavit of Compliance : Submit a sworn affidavit, under penalty of perjury, confirming that no FDCPA or FCRA violations have occurred in your attempts to collect this debt. \n\nCertified Proof of Identity Verification : Given the widespread breaches at all three major credit bureaus Ive suffered, provide extensive documentation detailing how you verified this alleged debt belongs to me and is not due to my information being compromised even though I have proof my information was breached from the credit reporting agencies, provide first hand knowledge and proof that my information was not used in a fraudulent manner. \n\nCessation of Communication : Cease all communications with me, both directly and indirectly, as defined under 15 U.S.C. 1692c, which includes communication via my consumer report. By parking this account on my consumer report is a form of communication per the FDCPA law. \n\nFederal Identity Theft and Mail Fraud Compliance : Provide a detailed explanation of how you obtained and used my personal information in compliance with federal laws, including : 18 U.S.C. 1028 ( Identity Theft ) : The unauthorized acquisition or use of my personal information without consent constitutes identity theft. \n\n18 U.S.C. 1341 ( Mail Fraud ) : Using the mail to attempt to collect an alleged debt without proper validation may constitute mail fraud. \n\nFailure to provide the requested information within XXXXen ( 10 ) days of receipt of this letter may result in my pursuing legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Furthermore, I reserve the right to seek damages and remedies through arbitration or litigation. Furthermore if you sell my information to another debt collector I will pursue any and all civil and criminal liabilities possible. \n\nI trust you will treat this matter with the urgency and seriousness it deserves. Your prompt attention to my requests and compliance with federal laws will determine the next steps I may take to protect my rights as a consumer. \n\nThank you for your cooperation.","date_sent_to_company":"2025-01-17T04:56:54.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"11673334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Zions Debt Holdings","date_received":"2025-01-17T04:39:42.000Z","state":"NV","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["Certified Written Notice ( 15 U.S.C. 1692g ) : Provide a certified copy of the written notice you were required to send <em>within</em> <em>five</em> ( 5 ) <em>days</em> of your <em>initial</em> communication. This notice must include : The amount of the alleged debt. \n\nThe name of the original creditor. \n\nA statement notifying me of my right to dispute the debt <em>within</em> thirty ( 30 ) <em>days</em> of receipt."]},"sort":[15.345361,"11673334"]},{"_index":"complaint-public-v1","_id":"5850791","_score":15.097841,"_source":{"product":"Debt collection","complaint_what_happened":"To : Equifax Credit Bureau XXXX XXXX XXXX, XXXX, GA XXXX. \n\nRe : Submitted Dispute CFBP XXXX Completion : XXXX From : XXXX XXXX XXXX Thank you for reviewing my claim. However, in your investigation that was complete XX/XX/2022 you stated that you used XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX to verify negative information that is being reported on my credit report. The use of 3rd party reporting agencies does not solidify burden of proof. The initial submission of the clam was to provide validation, providing me with copies of documents with my living signature to validate the records that are being reported. I have never given written consent according to ( 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ), to report anything on my credit report, in addition to not knowing where the negative items that are being reported were derived from. I am requesting that all negative items that are being reported on my credit report be removed within the grace period of 5 days from the date of this rebuttal of investigation CFPB XXXX. \nReferences for consideration : 15 U.S. Code 1681n ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.\n\n15 U.S. Code 1681- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.\n\n15 U.S. Code 1681 ( b ) REASONABLE PROCEDURES : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.\n\n15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 U.S. Code 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.","date_sent_to_company":"2022-08-06T23:09:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77044","tags":null,"has_narrative":true,"complaint_id":"5850791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-06T23:05:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am requesting that all negative items that are being reported on my credit report be removed <em>within</em> the grace period of 5 <em>days</em> from the date of this rebuttal of investigation CFPB XXXX. \nReferences for consideration : 15 U.S."]},"sort":[15.097841,"5850791"]},{"_index":"complaint-public-v1","_id":"6899419","_score":13.494955,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I expressed my intention to acquire an automobile via a consumer credit transaction to both Capital One Auto Finance and XXXX XXXX XXXX XXXX XXXX, both verbally and in writing at the beginning of and throughout the process. I was blocked and didnt know any other way to accomplish the goal of completing the transaction. Both the bank and the dealership knowingly violated the Truth in Lending Act by using discriminatory practices, violating \" informed use '' practices, misleading, threatening, and harassment. \n\nWhen I began the process, I was not aware of a lot of the information that I learned along the way. I knew according to XXXX XXXX XXXX, I was not obligated to pay a down payment. I also knew that I was the original creditor and could not be denied an extension of my own credit. I originally applied for a new XXXX XXXX XXXX XXXX. \n\nCapital One approved my application, but according to the dealership the bank would only process it if I put down a {$51000.00} down payment. I spoke to the bank who confirmed that they did not impose the down payment. I tried to invoke 15 USC 1605 through written correspondence ( see attachment ), but the dealership still would not budge. I was blocked from moving forward with that particular automobile because I would not agree to the down payment. \n\nThe dealership agreed to work out another deal that would not involve a down payment for a different automobile. I finally settled for a XXXX XXXX XXXX on XX/XX/XXXX. When it was time to sign the contract, I was told that I had to hurry because the document would time out and the dealership had three other people waiting for me to finish so they could sign their documents. The dealership also told me not to use consumer at the end of my autograph, but I did not comply. Additionally, I was denied the opportunity to read the agreement as I was signing. Needless to say, no one explained the contract or made sure that adequate notice was given. After all of that, I took possession of the XXXX. \n\nAfter that, the bank wanted additional information and forced the dealership to ask for more of my financials. I did not understand that there were other options to secure the funding for the transaction, or I would have been able to compare the various options and avoid the uninformed use of credit from the beginning. In the absence of more options, I submitted my information. \n\nThe bank had an issue with my address. Because my property does not yet have an address, I use a mailbox for all intents and purposes. But the bank demanded that I send them some form of proof of address. I sent what I could. I had the IRS send documents addressed to me to an address that I was temporarily staying at. I used that to provide proof of address. I also made the dealership aware of the Non-Disclosure Agreement that exist in a contract with the Trust, and that I was limited on what I could share to avoid violating the NDA. Additionally, because it was a temporary address that I dont use because I have my own, I only had limited documents to send. \n\nDespite that fact, the bank would not accept what I was able to send and continued to harass me for more information that was not pertinent to the approval of my transaction. The bank continued to pressure the dealership who in turn applied that pressure to me to furnish documentation by threatening the loss of funding. Finally, when I was pushed well beyond the boundaries of my comfort level, I studied more and sent the bank a XXXX XXXXXXXX ( see attachment ) with stronger and new evidence of my rights and how they were violating them. \n\nAfter reading the Affidavit of XXXX XXXX XXXX, I better understood the nature of the United States Banking XXXX in relation and construction to the United States Code. The people who back the pledge for the full faith and CREDIT of the United States deserve what is rightfully ours, especially when we invoke what is right, XXXX, fair, and in good faith. \n\nThe Conditional Acceptance was received by a bank representative on XX/XX/XXXX at XXXX pm per the United States Postal Service XXXX Mail Number. Previously, the same documents were uploaded to their platform via an emailed link on Monday, XX/XX/XXXX. The link was sent by the bank to upload address documents to release the hold for funding. I sent the Conditional XXXX instead. The following Friday, XX/XX/XXXX, the deal was funded. \n\nAs I searched for concrete content for the XXXX  XXXX, I found and included the definitions of evidence of indebtedness and adequate notice putting them on notice that any dispute would need to include evidence of where the debt originated. I know that I am the original creditor. The bank then sent or caused to be sent a XXXX XXXX XXXX dated XX/XX/XXXX stating the following disclosure : \" To the extent that you have filed for protection under federal bankruptcy law, you XXXX not be personally liable for the unpaid balance of this loan. This statement is not an attempt to collect a debt and is being provided for informational purposes ONLY. '' Further, as described in the XXXX XXXX mentioned above and the Affidavit sent with it, the bank never delivered or caused to be delivered any money/credits of its own to the consumer. Instead, the bank accessed the consumer 's credit and used it to fund the request. Therefore, there is nothing for the consumer to \" pay back ''. \n\nCapital One sent a Validation of Debt letter ( although they technically can not validate the debt ) on XX/XX/XXXX, which did not include information regarding the original creditor and stated that I am still obligated to make payments to Capital One. Also, it was not signed by an authorized representative as called out in the XXXX XXXX. It did not satisfy the requirements set forth in the United States Code to be properly considered a debt validation. \n\nBelow are a few of the violations that occurred. I believe more rights were violated. Please advise of the ones that are not listed here. Also, see the XXXX XXXX attached. \n\n\n15 USC 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction 15 USC 1601 ( a ) Informed use of credit The XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. \n\n15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n15 USC 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n15 USC 1602 ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning.","date_sent_to_company":"2023-04-27T22:15:36.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"90292","tags":null,"has_narrative":true,"complaint_id":"6899419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-04-27T21:54:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. \n\n15 USC 1692g ( a ) Notice of debt ; contents <em>Within</em> <em>five</em> <em>days</em> after the <em>initial</em> communication with a consumer in connection with the collection of any debt, a debt <em>collector</em>"]},"sort":[13.494955,"6899419"]},{"_index":"complaint-public-v1","_id":"17245368","_score":13.04663,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns the derogatory collection account being furnished by XXXX XXXX XXXX ( XXXX ) to one or more of the nationwide consumer reporting agencies. The information reported by XXXX appears to be inaccurate, unverified, incomplete, and unsupported by proper documentation. XXXX has not demonstrated ownership of the debt, has not provided legally required validation under the Fair Debt Collection Practices Act ( FDCPA ), and has not complied with its obligations under the Fair Credit Reporting Act ( FCRA ). For these reasons, I am requesting that the Consumer Financial Protection Bureau investigate XXXX reporting practices and determine whether they are acting in compliance with federal law. \n\nThe account being reported by XXXX is listed as a collection or charge-off with a past-due balance. XXXX claims to be collecting on a debt and is furnishing this derogatory information to the consumer reporting agencies. However, at no point has XXXX provided any of the documentation required to establish that the debt is legitimate, that the amount is accurate, or that XXXX has any legal right to collect or furnish information regarding this alleged debt. \n\nXXXX XXXX XXXX is a third-party debt collector. As such, the company is required to comply with the FDCPA and FCRA. Under the FDCPA, XXXX must validate the debt before continuing collection activity if a consumer requests validation. Furnishing information to a credit bureau is considered collection activity. I have not received any proof that XXXX provided validation, nor did XXXX supply any documentation when responding to my disputes filed through the credit bureaus. \n\nWhen I disputed the XXXX account with the credit bureaus, I expected a full reinvestigation as required under FCRA 611. Instead, the credit bureaus quickly marked the account as verified without providing any supporting documentation. A proper reinvestigation requires the bureau to review evidence submitted by the consumer, request documentation from the furnisher, and evaluate the accuracy of the information being reported. The speed of the bureaus responses suggests that they relied solely on automated information provided by XXXX through the e-OSCAR system. Automated responses do not meet the standard of a reasonable reinvestigation. \n\nXXXX has not provided : The original signed agreement or contract Copies of any original creditor statements An itemized account history showing charges, payments, and fees Documentation demonstrating the origin of the debt A complete billing ledger Proof of ownership or assignment of the debt A bill of sale referencing this specific account A chain of title if the debt was sold multiple times Documentation showing how the balance was calculated Proof of the date of first delinquency Any FDCPA-compliant validation notice Without these documents, XXXX can not legally verify or report the debt. \n\nThere are serious concerns surrounding whether XXXX owns, was assigned, or is otherwise authorized to collect this account. Third-party collectors like XXXX can not report or collect on a debt unless they have proper documentation proving ownership or legal assignment. They must also be able to produce a chain of assignment showing how the debt was transferred from the original creditor to any subsequent buyers. \n\nIf XXXX can not provide these documents, they can not legally furnish the account under the FCRA. \n\nAnother major concern is the accuracy of the balance reported by XXXX. Debt collectors frequently receive incomplete, outdated, or inaccurate data from creditors. XXXX has not provided documents showing : How the balance was determined Whether late fees or other charges were added Whether any payments were applied Whether the debt was partially paid or settled previously Whether the original creditor charged off the account correctly Whether the balance includes unlawful or unverified fees Without documentation, XXXX can not prove that the amount being reported is accurate. \n\nAdditionally, the reporting of the XXXX account raises concerns regarding the date of first delinquency. This date determines whether an account is legally reportable. Under FCRA 605 ( a ), no collection account can be reported more than seven years after the date of first delinquency. XXXX has not provided documentation establishing this date. If the date of first delinquency can not be verified, XXXX may be reporting obsolete information, which is a violation of the FCRA. \n\nXXXX is also required under FDCPA 809 ( b ) to provide a validation notice within five days of initial communication. This notice must identify : The amount of the debt The name of the original creditor A statement of the consumers rights Instructions on how to dispute the debt XXXX has not provided such a notice. Without it, they can not continue collection activityincluding credit reportinglegally. \n\nAnother issue concerns whether XXXX is licensed to collect debts in the relevant jurisdiction. Many states require debt collectors to be registered, bonded, and licensed before collecting debts. If XXXX is collecting without proper licensing, they can not legally report a debt and can not legally pursue collection. \n\nThe credit bureaus reinvestigation processes also raise concerns. Under FCRA 611, credit bureaus must conduct reasonable investigations and delete any information that can not be verified. The bureaus rapid responses suggest that they relied solely on XXXX automated verification rather than requiring the company to provide documentation. This is not a lawful reinvestigation. \n\nXXXX also had an obligation under FCRA 623 ( a ) ( 3 ) to notify the credit bureaus that the account was disputed. If XXXX failed to mark the account as disputed, this violates federal law. Furnishers can not continue reporting disputed information without providing dispute notifications to all bureaus. \n\nAdditionally, furnishers like XXXX must conduct a reasonable investigation when notified of a dispute by a credit bureau under FCRA 623 ( b ). A reasonable investigation requires : Reviewing all information provided by the consumer Reviewing all relevant internal records Reviewing documents from the original creditor Correcting any inaccurate information Deleting information that can not be verified XXXX has not demonstrated that they conducted such an investigation. Their failure to provide documentation suggests that no meaningful investigation occurred. \n\nXXXX inaccurate reporting has caused harm, including : Denial of credit Higher interest rates Harm to creditworthiness Loss of financial opportunities Added stress and emotional distress Negative information from a debt collector carries significant weight with lenders. When unverified information is reported, the consequences for the consumer are severe. \n\nXXXX failure to provide documentation suggests that they are furnishing information without validating it. This violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate information. Without validation, they can not prove that the information they are reporting is accurate. \n\nXXXX  reporting of unverified information also violates FDCPA 807, which prohibits false or misleading representations. Reporting a debt without documentation is misleading because it suggests that the debt is valid when the collector can not prove it. \n\nXXXX may also be violating FDCPA 808 by attempting to collect an amount that is not authorized by contract or law. Without documentation, XXXX can not demonstrate that the balance is lawful. \n\nFurthermore, XXXX may be reporting debts that are time-barred. If the debt is beyond the statute of limitations, it can not legally be pursued through litigation, and some states prohibit reporting of time-barred debts altogether. XXXX has not provided documents establishing that the debt is within the statute of limitations. \n\nXXXX failure to provide validation is a direct violation of the FDCPA. XXXX must cease all collection activityincluding furnishing to credit bureausuntil proper validation is provided. \n\nThe companys lack of documentation suggests that they may not possess the records necessary to legally collect or report the debt. Debt collectors often purchase portfolios containing incomplete data. When they do not have original documentation, they can not fulfill validation requests. \n\nXXXX refusal or inability to provide documentation means that the credit bureaus must delete the unverified information under FCRA 611 ( a ) ( 5 ) ( A ).\n\nIn addition, if the original creditor recalled, settled, discharged, or closed the account, XXXX must stop reporting it. Without documentation, XXXX can not show that they are the lawful collector. \n\nThere is also a concern that XXXX may have reported more than one variation of the same account. Duplicate reporting or inconsistent reporting is a known issue with debt buyers. If XXXX is reporting more than one version of the debt or if another collector is reporting the same debt, this may constitute multiple violations of the FCRA. \n\nFurthermore, XXXX reporting may not be consistent across all three credit bureaus. If they reported different balances, dates, or account statuses to different bureaus, this indicates a failure to maintain reasonable procedures for accuracy. \n\nGiven all the deficiencies described above, XXXX has failed to meet its burden of proving the legitimacy of the alleged debt. Under federal law, XXXX must demonstrate : The debt exists They own or represent the owner of the debt The amount is accurate The data is complete and supported by evidence They are legally entitled to collect and report the debt They followed all FDCPA and FCRA requirements XXXX has demonstrated none of the above. \n\nFor all these reasons, XXXXs reporting appears to violate : FCRA 602 ( a ) ( maximum accuracy requirement ) FCRA 607 ( b ) ( reasonable procedures requirement ) FCRA 611 ( reinvestigation requirements ) FCRA 623 ( a ) ( furnisher accuracy and dispute obligations ) FCRA 623 ( b ) ( furnisher reinvestigation obligations ) FDCPA 807 ( misrepresentation ) FDCPA 808 ( unfair practices ) FDCPA 809 ( b ) ( validation requirement ) The CFPB should investigate XXXX to determine whether it is acting within federal law and whether its reporting practices are unfair, deceptive, or abusive. \n\nGiven that XXXX has not provided validation, has not demonstrated ownership, has not shown the debt is accurate, and has not provided documentation during reinvestigations, the information they are reporting is unverified. \n\nUnder federal law, unverified information must be deleted.","date_sent_to_company":"2025-11-15T01:35:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63376","tags":null,"has_narrative":true,"complaint_id":"17245368","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"W&A Intermediate Co., LLC","date_received":"2025-11-15T01:30:21.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX is also required under FDCPA 809 ( b ) to provide a validation notice <em>within</em> <em>five</em> <em>days</em> of <em>initial</em> communication. This notice must identify : The amount of the debt The name of the original creditor A statement of the consumers rights Instructions on how to dispute the debt XXXX has not provided such a notice. Without it, they can not continue collection activityincluding credit reportinglegally."]},"sort":[13.04663,"17245368"]},{"_index":"complaint-public-v1","_id":"5562624","_score":12.848885,"_source":{"product":"Debt collection","complaint_what_happened":"DEBT COLLECTOR AND DEBT COLLECTION AGENCY ATTEMPTING TO COLLECT AN ALLEGED DEBT THAT WAS PAID. \n\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing- ( a ) Notice of debt ; and contents. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX did not send XXXX XXXX XXXX a Notice of debt ; and contents before, since or to date. \n\nA validation letter was requested from Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX which are debt collection agency and a debt collector. A validation letter was never received from Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX. XXXX XXXX XXXX requested Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX which are debt collection agency and a debt collector to cease all communication for an alleged debt and stop collections attempts towards him that violated the Fair Debt Collection Practices Act. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX violated the Fair Debt Collection Practices Act by attempting to collect and allege debt directly and indirectly by a debt collection agency and a debt collector before, since or to date that has never been verified and or validated the allege debt as required by Georgia Law, State and Federal Law. \n\nXXXX XXXX XXXX did not default on his mortgage payments/loan and provided the proof of payments that was in questioned by Escalation Manager for XXXX, XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX and Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX which are debt collection agency and a debt collector that was hired by XXXX. See exhibits, I and J. Escalation Manager for XXXX, XXXX XXXX admitted on XXXX, XXXX, XXXX and admitted Ok, XXXX XXXX I do see where there are four ( 4 ) payments that was misapplied '' It is a material fact that Attorney for XXXX, [ XXXX XXXX XXXX, XXXX ] on XX/XX/XXXX admitted to receiving a copy to the Complaint that was filed, and all relevant information in this matter. He received the recorded admission of XXXX Escalation Manager XXXX XXXX admitting on XXXX, XXXX, XXXX that in fact XXXX XXXX XXXX payments had been received by XXXX but that those payments were misapplied and not credited to XXXX XXXX XXXX account. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX had knowledge of the conversation and the admission of XXXX Escalation Manager XXXX XXXX admitting on XXXX, XXXX, XXXX that in fact XXXX XXXX XXXX payments had been received by XXXX but that those payments were misapplied and not credited to XXXX XXXX XXXX account. \n\nMc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are debt collection agency and debt collector. Both were aware that their client XXXX XXXX Bank XXXX. and XXXX XXXX XXXX Co XXXX had XXXX XXXX home published in an advertisement in the newspaper for foreclosure sale of Property at a time when XXXX XXXX XXXX was not in default. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX having full knowledge of the facts and material facts that XXXX XXXX XXXX was not in default and willfully attempted to collect an alleged debt that was willful. See exhibits, H, K and L Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are debt collection agency and debt collector and were aware that their client XXXX XXXX Bank XXXX. and XXXX XXXX XXXX Co XXXX promised not to foreclose on XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are debt collection agency and debt collector and were aware that their client XXXX XXXX Bank XXXX. and XXXX XXXX XXXX Co XXXX promised to settle this matter accordingly and still attempted to collect and alleged debt. See exhibit N Admission for Attorney XXXX XXXX XXXX, My client has asked me to reach out to you again regarding a possible mediation and possible settlement. If, you are interested when is a good time for a call? I can make time next Tuesday or Thursday if either of those work for you. Please let me know. Thanks, XXXX XXXX. See exhibit N Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX having full knowledge of the facts and material facts [ Promissory estoppel ] willfully attempted to collect an alleged debt that was willful. \n\nMCCALLA RAYMER LEIBET PIERCE, LLC ADMISSION ABOUT XXXX XXXX XXXX The firm is also pleased to announce that XXXX XXXX, previously a partner in the firms XXXX XXXX XXXX, has been named Managing Partner of the firms Georgia XXXX XXXX XXXX XXXX XXXX. \n\nXXXX XXXX began his legal career as an associate in the creditors rights group at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX in XXXX. XXXX joined XXXX in XXXX as a senior associate in the XXXX XXXX and XXXX XXXX, and was named a partner in that group in XXXX. XXXX has extensive experience in XXXX foreclosure confirmation law and enforcement of debt instruments. XXXX broad creditors rights practice includes the representation of lenders in all aspects of loss mitigation and litigation, including workouts, actions for receivers, confirmation actions, deficiency actions, collections, and representation of creditors in bankruptcy cases. He will be based out of the firms XXXX, XXXX  office and will oversee all litigation matters in XXXX \n\nXXXX has extensive experience in XXXX foreclosure confirmation law : Georgia law doesn't give borrowers a statutory right of redemption after a nonjudicial foreclosure. Once your Georgia home has been foreclosed, you can't redeem it. \nMCCALLA RAYMER LEIBET PIERCE, LLC ATTEMPT TO COLLECT AN ALLEGED DEBT 1. Dismiss Plaintiffs Amended Complaint with prejudice ; and 2. Grant Defendant all such other relief as is just and equitable. \nRESPECTFULLY SUBMITTED this XXXX day of XXXX, XXXX : McCALLA RAYMER LEIBERT PIERCE , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Direct and Fax XXXX Counsel for XXXX XXXX Bank, XXXX. \n\nXXXX. XX/XX/XXXX ( XXXX. XXXX ) WAIVER OF SERVICE Returned Executed by XXXX XXXX XXXX Bank XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX waiver mailed on XX/XX/XXXX, answer due XX/XX/XXXX. ( XXXX, XXXX ) ( Entered : XX/XX/XXXX ) XXXX. XX/XX/XXXX ( XXXX. XXXX ) MOTION to Dismiss Complaint with Brief In Support by XXXX Bank, XXXX XXXX XXXX XXXX Co, XXXX XXXX XXXX Bank XXXX XXXX. ( Attachments : # XXXX Brief XXXX ) ( XXXX, XXXX ) ( Entered : XX/XX/XXXX ) XXXX. XX/XX/XXXX ( XXXX ) MOTION for Extension of Time to File Answer re XXXX Amended Complaint, by XXXX Bank XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX NA. ( Attachments : # XXXX Text of Proposed Order ) ( XXXX, XXXX ) ( Entered : XX/XX/XXXX ) It is clear and undisputed that Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are debt collection agency and debt collector and willfully attempted to collect an alleged debt from XXXX XXXX XXXX directly and indirectly. \n\n\nMCCALLA RAYMER LEIBET PIERCE, LLC FRAUDULENTLY CONCEALED IDENTITY The plain language on the website of Mc Calla Raymer Leibet Pierce, clearly states Mc Calla Raymer Leibet Pierce, [ Foreclosure ] and ( MRLP ) represents lenders, servicers, and investors in non-judicial and judicial foreclosures across its thirteen state footprint, particularly Georgia. See Exhibit A The plain language on the website of Mc Calla Raymer Leibet Pierce, clearly states Mc Calla Raymer Leibet Pierce, [ Litigation ] at Mc Calla Raymer Leibet Pierce, we understand that our clients face many risks, from a pro se foreclosure contest to a complex title curative dispute to a jury trial with allegations of fraud and consumer protections violations. And our litigators are not foreclosure attorneys who able in litigation-we are separate litigation departments comprised of true trial lawyers, with decades of combined experience handling thousands of trials and appeals of all kinds. \n\nXXXX XXXX asked Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are you a debt collection agency and a debt collector. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX replied, that a legal question and never answered the question. However, Mc Calla Raymer Leibet Pierce, LLC website explains it best, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are a debt collection agency and a debt collector attempting to collect an allege debt from XXXX XXXX XXXX Pro XXXX. \n\nFurthermore, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX has sent over forty ( 40 ) letters to XXXX XXXX XXXX from the Law Firm, with the Law Firm, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX name on the letters and none of the letters states that Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX is a debt collection agency and a debt collector. \n\nTellingly, XXXX XXXX XXXX XXXX XXXX, XXXX and Attorney XXXX XXXX XXXX have been emailing XXXX XXXX XXXX starting around and about XXXX and to date. The signature of the emails display : XXXX XXXX, XXXX. \nManaging Partner, AL / GA / MS Litigation McCalla Raymer Leibert Pierce , LLC XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Office : ( XXXX ) XXXX / Ext. XXXX XXXX Licensed in Georgia XXXX Florida \" Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose. '' Consequently, \" Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose. '' is false and misleading. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX has willfully and intentional fraudulently concealed their identities for the sole purpose of debt collection. \n\nIt is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The elements of fraudulently concealed their identities exists in the instant matter. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX remained silent and failed to disclose material facts despite a duty to do so. \n\nVIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX violation of the Fair Debt Collection Practices Act is clear and unambiguous. \n\nCommunication with the consumer generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX XXXX XXXX did not give XXXXc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX XXXX permission. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX do not have express permission in writing from the Court. \nHarassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : XXXX XXXX XXXX received several phone calls, several emails, and several letters about an alleged debt that Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX has stated remains unsatisfied. \nFalse or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX mislead XXXX XXXX XXXX by stating in the emails \" Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose.\n\nUnfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX attempted to collect an allege debt amount, interest, fees and other charges from XXXX XXXX XXXX. \nValidation of debts : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX within five days after the initial communication with XXXX XXXX XXXX did not send a validation letter of the allege debt. \nCONCLUSION Let the truth be told, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX attempted to collect an allege debt from XXXX XXXX XXXX starting around and about XXXX and to date without validation of the allege debt. And or any personal knowledge of the facts, material fact and undisputed material facts that occurred between to XXXX XXXX Bank XXXX, XXXX XXXX XXXX Co XXXX and XXXX XXXX XXXX. \nMc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX starting around and about XXXX received competent evidence from XXXX XXXX Bank XXXX. and XXXX XXXX XXXX Co XXXX that XXXX XXXX XXXX did not default on his mortgage payments/Loan. And Escalation Manager for XXXX, XXXX XXXX admitted on XXXX, XXXX, XXXX and admitted Ok, XXXX XXXX I do see where there are four ( 4 ) payments that was misapplied ''. XXXX XXXX Bank XXXX, XXXX XXXX XXXX Co XXXX and XXXX XXXX XXXX determined that the case could settle and agreed to settle. XXXX XXXX Bank XXXX, XXXX XXXX XXXX Co XXXX stated they did not want to litigate this matter. However, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX has taking it upon themselves to litigate this matter and attempted to collect an alleged debt. \nPlease see exhibits in support of XXXX XXXX XXXX claims of Unlawful debt collection by Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX. \nCONTACT INFORMATION FOR MCCALLA RAYMER LEIBERT PIERCE LLC McCalla Raymer Leibert Pierce , LLC Georgia ( XXXX ) XXXX Attn : XXXX XXXX, XXXX. \nManaging Partner, AL / GA / MS Litigation McCalla Raymer Leibert Pierce , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX / Ext. XXXX XXXX XXXX","date_sent_to_company":"2022-05-27T17:19:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"30038","tags":null,"has_narrative":true,"complaint_id":"5562624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"McCalla Raymer Leibert Pierce, LLC","date_received":"2022-05-16T00:31:11.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Validation of debts : Notice of debt ; contents <em>Within</em> <em>five</em> <em>days</em> after the <em>initial</em> communication with a consumer in connection with the collection of any debt, a debt <em>collector</em> shall, unless the following information is contained in the <em>initial</em> communication or the consumer has paid the debt, send the consumer a written notice containing."]},"sort":[12.848885,"5562624"]},{"_index":"complaint-public-v1","_id":"17216213","_score":12.777092,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint because LVNV Funding LLC is reporting a derogatory collection account on my consumer credit reports that is inaccurate, unverified, unsupported by documentation, and being continued without proper validation as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and validation requests submitted directly to the credit reporting agencies and to LVNV Funding LLC itself, this company has failed to provide the legally required verification of the alleged debt, the chain of assignment, the original creditor documentation, or any records showing that the debt is actually mine or that they have the legal right to collect or furnish this information. \n\nIn summary, LVNV Funding LLC is furnishing information that remains unvalidated, unverified, unsupported, and potentially unlawful, causing significant harm to my credit standing. I am requesting CFPB assistance because all reasonable attempts to resolve this directly have been ignored or improperly handled.\n\n1. Description of the Problem LVNV Funding LLC is reporting a collection account in the amount of {$510.00}. The tradeline appears as a derogatory collection/charge-off account, reported as past due and with no supporting information identifying the original creditor, the date of assignment, the legal authorization to collect, or verification proving ownership of the alleged debt. \n\nThis account appears on my consumer credit file without : The original creditor name The original contract or agreement Proof of any relationship between me and the alleged creditor A chain of title proving legal ownership An itemized accounting of the amount being claimed Any documentation validating that LVNV Funding LLC purchased or was assigned this debt None of this information has ever been produced, despite multiple written requests. LVNV Fundings failure to validate and its continued reporting of the account constitute a violation of the FDCPA and FCRA.\n\n2. Timeline of Events and Actions Taken A. Discovery of the LVNV Funding Account I first discovered the LVNV Funding LLC tradeline on my consumer credit reports when reviewing them for accuracy. The account was marked as derogatory and listed as a collection/charge-off. The reporting included negative indicators that immediately harmed my creditworthiness.\n\nB. Initial Disputes to Credit Bureaus I disputed the LVNV Funding account with each of the credit reporting agencies, requesting : A full reinvestigation Verification from the furnisher The method of verification Documentation supporting the debt Clarification regarding legal ownership I explicitly cited FCRA requirements for maximum possible accuracy and reasonable reinvestigation.\n\nC. Bureau Responses Within days, each bureau returned an automated statement : The furnishers verified that the information is accurate.\n\nHowever : No documentation was provided No proof of investigation was provided No explanation of the method of verification was provided No original contract, statements, or transfer documents were provided Given the speed of the response, it was highly unlikely that any bureau conducted a meaningful reinvestigation. Instead, they appeared to rely solely on automated e-OSCAR responses from LVNV Funding.\n\nD. Direct Validation Requests to LVNV Funding LLC After receiving unsatisfactory responses from the bureaus, I submitted written requests directly to LVNV Funding LLC, asking for : Validation of the debt under FDCPA 809 ( b ) The name of the original creditor A copy of the original signed contract or agreement A complete itemized accounting Proof that LVNV Funding LLC legally owns the debt The chain of custody or assignment history Details regarding how they calculated the balance Under federal law, a collector can not continue collection or reporting activities without validating the debt when requested.\n\nE. LVNV Fundings Failure to Respond LVNV Funding LLC failed to provide : ANY validation ANY documentation ANY breakdown of the amount claimed ANY proof of assignment ANY original creditor records ANY chain-of-title records ANY response acknowledging the request Instead, LVNV Funding LLC : Continued to report the account Continued to furnish the information as derogatory Continued collection and credit reporting activity without validation This is a direct violation of FDCPA 809 ( b ), which requires debt collectors to cease collection and reporting until the debt is validated.\n\n3. Violations of Federal Law A. Violations of FDCPA 809 ( b ) Under FDCPA 809 ( b ), once a consumer requests validation : The collector MUST cease collection.\n\nThe collector MUST cease reporting.\n\nThe collector MUST provide validation.\n\nLVNV provided none of these. They continued reporting the account despite failing to validate.\n\nB. Violations of FDCPA 807 ( 8 ) It is a deceptive practice to : Communicate false or unverified credit information Fail to mark an account as disputed Report an invalid, unproven, or undocumented debt LVNV Fundings refusal to provide validation while continuing to report the account constitutes false representation.\n\nC. Violations of FCRA 607 ( b ) ( Maximum Possible Accuracy ) A debt buyer can not lawfully report a debt without proof of ownership and accuracy. LVNV Funding has not shown : That the account belongs to me That the amount is correct That the debt is legally collectible That they have proper assignment or ownership Without this, the reporting is not accurate.\n\nD. Violations of FCRA 611 ( a ) ( Reinvestigation Requirements ) During bureau disputes, LVNV Funding failed to : Provide documentary evidence Provide a meaningful response Conduct a reasonable reinvestigation Support their claims with documentation Instead, the bureaus relied on automated responses from LVNV, which is not permissible under federal reinvestigation rules.\n\nE. Violations of CFPB and FTC Regulatory Guidance Both agencies have issued guidance warning that : Furnishers must maintain documentation Automated responses are insufficient Debt buyers often report unverifiable debts Furnishing without verification is unlawful LVNVs actions align with known patterns of non-compliance among debt buyers.\n\n4. Why the Account Is Unverifiable and Should Not Be Reported LVNV Funding LLC is a debt buyer that often acquires massive portfolios of old, incomplete, or expired debts in bulk. These portfolios frequently lack : Contracts Statements Itemization Chain-of-title records Consumer communications Payment histories Despite this, LVNV Funding continues to report the accounts to the credit bureaus as if the information were accurate and complete.\n\nIn this specific case : LVNV Funding has never produced proof of ownership.\n\nLVNV Funding has never provided the name of the original creditor.\n\nLVNV Funding has never supplied an itemized accounting.\n\nLVNV Funding has never produced a signed agreement.\n\nLVNV Funding has never demonstrated that the debt is valid or owed.\n\nWithout these documents, the account can not legally be verified or reported.\n\n5. Harm Caused by LVNV Funding LLCs Conduct Because of LVNV Fundings failure to validate the debt and continued reporting : My credit score has been significantly lowered.\n\nI have been denied financing opportunities.\n\nI have received higher interest rates.\n\nMy creditworthiness has been reduced.\n\nI have experienced emotional and financial stress.\n\nI have spent significant time disputing an account that LVNV has never substantiated.\n\nThis harm is ongoing and continues every month the account is reported.\n\n6. My Requests for Fair Resolution I am not seeking anything outside of what federal law already requires.\n\nA fair resolution must include : 1. Full deletion of the LVNV Funding LLC account from all credit bureaus because the debt has never been validated.\n\n2. Written confirmation of deletion from all three credit reporting agencies.\n\n3. Written confirmation from LVNV Funding LLC that : They have ceased reporting the account.\n\nThey will not reinsert the account without full documentation.\n\n4. A requirement that any future reporting complies with FCRA 611 ( a ) ( 5 ) ( B ) If LVNV attempts to reinsert the account : They must provide certification of accuracy.\n\nThe bureaus must notify me within five business days.\n\n5. Assurance that LVNV Funding updates the account as disputed which they have failed to do.\n\n6. Review of LVNV Fundings verification procedures to ensure compliance with CFPB debt collection and furnishing laws.\n\n7. Why CFPB Intervention Is Necessary I have exhausted all normal consumer dispute processes. LVNV Funding LLC has ignored : Validation requests Documentation requests Requests for assignment records Requests for proof of ownership Reinvestigation obligations FDCPA requirements to cease reporting FCRA documentation standards The credit bureaus continue to accept LVNVs automated verified responses even though LVNV has never validated the debt. This ongoing inaccuracy can only be resolved through CFPB intervention.\n\nLVNV Funding LLC has a documented history of failing to validate debts and continuing to report unverified information, making regulatory oversight especially important.\n\n8. Conclusion In closing, LVNV Funding LLC is reporting a derogatory collection account that they have never validated, never substantiated, never documented, and have continuously reported after multiple disputes.\n\nTheir actions violate : FDCPA 809 ( b ) FDCPA 807 ( 8 ) FCRA 607 ( b ) FCRA 611 ( a ) CFPB compliance bulletins FTC debt collection standards I am requesting that the Consumer Financial Protection Bureau intervene to require : Full validation of the account using original documentation, OR Full deletion of the account if validation can not be produced.\n\nGiven LVNV Fundings consistent refusal to provide any documentation, the only lawful outcome is deletion.\n\nI respectfully request that the CFPB review this matter and require LVNV Funding LLC to comply with all obligations under federal consumer protection laws. The continued reporting of an unvalidated debt has caused and continues to cause significant financial and emotional harm, and I am seeking a fair and lawful resolution consistent with federal consumer protection statutes.","date_sent_to_company":"2025-11-14T01:14:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"17216213","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-11-14T01:04:28.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Bureau Responses <em>Within</em> <em>days</em>, each bureau returned an automated statement : The furnishers verified that the information is accurate.\n\nHowever : No documentation was provided No <em>proof</em> of investigation was provided No explanation of the method of verification was provided No original contract, statements, or transfer documents were provided <em>Given</em> the speed of the response, it was highly unlikely that any bureau conducted a meaningful reinvestigation."]},"sort":[12.777092,"17216213"]},{"_index":"complaint-public-v1","_id":"17243992","_score":12.766512,"_source":{"product":"Debt collection","complaint_what_happened":"This is a complete and detailed description of the issues surrounding the Consumer Adjustment Company , Inc. ( CACi ) account that appears on my credit report under the identifier XXXX. The account is being reported as a Collection/Chargeoff, is marked as derogatory, and reflects a past-due balance of {$960.00}. This account has caused substantial damage to my credit file, negatively affected my financial opportunities, and has been handled in a manner that appears inaccurate, incomplete, non-validated, and non-compliant with federal laws governing debt collection and credit reporting. \n\nThe purpose of this statement is to explain, in full detail, exactly what happened, how Consumer Adjustment Company failed to follow federal legal requirements, how the credit bureaus failed to conduct a lawful reinvestigation, and how this account has caused ongoing harm.\n\n1. Discovery of the CONSUMER ADJ XXXX Account on My Credit Report I first became aware of the Consumer Adjustment Company account during a routine review of my credit reports. The tradeline appeared listed as : Creditor Name : CONSUMER ADJUSTMENT CO ( CACi ) Account Number : XXXXXXXX XXXX XXXX ( obfuscated by credit bureau ) Past Due Balance : {$960.00} Status : Collection/Chargeoff Reporting Across Bureaus : Appears on all three Severity : Derogatory The account was surprising because I had never received a single communication from Consumer Adjustment Company about this alleged debt. I had not received : A phone call A letter A billing statement A notice of assignment A validation notice A demand for payment A settlement offer Any initial communication The account seemed to materialize on my credit file without warning, without explanation, and without any prior collection effort by CACi. \n\nThis raised immediate concerns about : Accuracy Identity association Account existence Documentation Legality of the reporting Compliance with FDCPA and FCRA Because I had no prior knowledge of this debt, I began to investigate further.\n\n2. CACi Is a Debt Collector, Not an Original Creditor and Provided No Documentation Consumer Adjustment Company is not a lender or original creditor. They are a third-party debt collector who must comply with FDCPA requirements, including : Sending a validation/verification notice Providing written notice of the debt Offering 30 days to dispute Providing all documents that prove the debt is valid Identifying the original creditor Providing itemized statements when requested CACi provided none of this.\n\nThey did not provide : A. A Written Notice of the Debt ( FDCPA 809 ( a ) ) The law requires CACi to send a written validation notice within five days of the initial communication.\n\nBut I never received : A written notice A letter of any kind Any form of initial communication Therefore, CACi did not meet the legal requirement to initiate collection legally.\n\nB. Proof That I Owe the Debt ( FDCPA 809 ( b ) ) When I disputed the account with the bureaus and with CACi, they failed to provide : A signed contract Any agreement or application Statements Ledger Account details Date of service Itemized breakdown Explanation of the {$960.00} balance Account documentation of any kind Total lack of documentation means the debt is not validated.\n\nC. Proof of Ownership CACi must prove the debt was : Assigned to them Placed with them Legally transferred Within their right to collect They provided none of the required transfer documentation.\n\nD. Identification of Original Creditor CACi did not disclose : Who the original creditor was When the debt originated What the debt was for When the alleged default occurred This makes the debt unidentifiable and unverifiable.\n\n3. The Debt May Be Incorrect, Outdated, or Fraudulently Assigned Because CACi failed to provide : Original creditor name Contract Account statements Detailed information Chain of assignment the debt may be : A. Incorrectly assigned Debt collectors often receive improperly transferred accounts with wrong names, wrong amounts, or wrong identities.\n\nB. A double collection attempt It is unclear whether this debt was already settled, paid, discharged, or resolved before CACi began reporting.\n\nC. Time-barred or beyond the statute of limitations Without dates, it is impossible to determine if CACi is collecting old or expired debt.\n\nD. Identity-related A debt without documentation can not be tied to the correct individual.\n\nE. A case of mistaken data reporting CACi may be reporting based on an old or inaccurate database extract.\n\nThe absence of foundational documentation makes the debt invalid and the reporting unlawful.\n\n4. I Disputed the Account With All Three Credit Bureaus Upon discovering the account, I immediately disputed it with : TransUnion Experian Equifax In my disputes, I specifically requested : Verification of accuracy Method of verification Documentation supporting the debt Identity confirmation Original creditor documentation Proof that CACi had the right to report the debt Full reinvestigation Correction or deletion of inaccurate information The disputes were submitted correctly and within legal guidelines.\n\n5. Credit Bureaus Failed to Provide a Proper Method of Verification ( FCRA 611 ( a ) ( 6 ) ) The credit bureaus responded with generic statements such as : The account has been verified as accurate.\n\nThe information was confirmed.\n\nThe furnisher verified the account.\n\nHowever, the credit bureaus did not provide : Actual copies of documents The name of the person who verified the account Whether CACi supplied documentation Whether verification was done via e-OSCAR Description of the procedure used Evidence CACi validated anything Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), the bureaus must provide the method of verification.\n\nNone of them complied.\n\nThis is a major legal violation.\n\n6. The Credit Bureaus Likely Used e-OSCAR Instead of a Real Investigation e-OSCAR is an automated system that uses : 2-digit codes No documents No human review No signature comparison No investigation of account history The CFPB has repeatedly stated : e-OSCAR is insufficient It does not meet legal requirements Furnishers must provide documents, not codes Debt-buyer accounts require manual investigation Given the bureaus responses, it is highly likely that : CACi sent an automated confirmation The bureaus accepted it without evidence No documents were reviewed No human investigation occurred This is not a lawful reinvestigation under federal law.\n\n7. CACi Failed to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) When a consumer disputes a debt : The furnisher must report it as disputed Failure to do so is a violation This misleads lenders into believing the debt is uncontested CACi did not report the account as disputed by consumer.\n\nThis harms my creditworthiness and violates federal law.\n\n8. Missing and Inaccurate Information on the CACi Account The CACi account contains multiple inaccuracies, including : Missing original creditor name Missing DOFD ( Date of First Delinquency ) Incomplete account history No itemized balance No dates showing account progression No explanation of the {$960.00} charge Inconsistent reporting across bureaus Under FCRA 607 ( b ), data furnishers must ensure maximum possible accuracy.\n\nCACi failed this obligation.\n\n9. CACi Failed to Provide a Legal Basis for Reporting the Debt CACi did not demonstrate : Permissible purpose to access my credit Contractual right to collect Assignment or transfer documentation Original source documentation Any evidence linking me to the debt CACi also did not provide : Proof of compliance with FDCPA requirements Proof of identification match Proof of account ownership Therefore, CACi has no legal basis to report this tradeline.\n\n10. Harm Caused by This Inaccurate and Unverified Reporting The presence of the CACi derogatory collection account has caused serious and ongoing harm, including : A. Lower Credit Score Collections significantly reduce credit scores and remain for years.\n\nB. Credit Denials I have been denied : Loans Credit cards Rental applications Financing opportunities Because lenders perceive collection accounts as severe derogatories.\n\nC. Higher Interest Rates When approved, rates were significantly higher due to the collection.\n\nD. Financial Stress and Emotional Distress This situation has caused : Anxiety Stress Confusion Loss of trust in credit reporting E. Out-of-Pocket Costs I incurred expenses for : Certified mail Printing Credit monitoring Time spent disputing inaccurate reporting These harms continue as long as the account remains unverified.\n\n11. Federal Law Violations Committed by CACi CACi violated : FDCPA Violations 807 ( 2 ) ( A ) misrepresentation 807 ( 10 ) deceptive practices 808 unfair practices 809 ( a ) failure to send validation notice 809 ( b ) continued reporting without validation FCRA Violations 623 ( a ) ( 1 ) inaccurate reporting 623 ( a ) ( 3 ) failure to mark as disputed 623 ( b ) failure to investigate 12. Federal Law Violations by XXXX XXXX XXXX XXXX The credit bureaus violated : 611 ( a ) ( 1 ) no reasonable reinvestigation 611 ( a ) ( 6 ) ( B ) ( iii ) no method of verification 607 ( b ) failure to ensure accuracy 611 ( a ) ( 5 ) failure to delete unverifiable information 13. Summary of What Happened To summarize : CACi is reporting a {$960.00} collection account without any documentation.\n\nI never received a validation notice or initial communication.\n\nCACi failed to validate the debt after dispute.\n\nCACi did not provide any contract, statements, or ownership documents. \n\nI disputed the account with all bureaus. \n\nThe bureaus failed to conduct a lawful investigation. \n\nNo Method of Verification was provided.\n\nCACi failed to mark the account as disputed.\n\nThe reporting contains errors and inaccuracies.\n\nThis account has caused substantial financial and emotional harm. \n\nThe account is unverified and can not legally remain on my credit report.","date_sent_to_company":"2025-11-15T00:29:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"633XX","tags":null,"has_narrative":true,"complaint_id":"17243992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Adjustment Company Incorporated","date_received":"2025-11-15T00:24:47.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["A Written Notice of the Debt ( FDCPA 809 ( a ) ) The law requires CACi to send a written validation notice <em>within</em> <em>five</em> <em>days</em> of the <em>initial</em> communication.\n\nBut I never received : A written notice A letter of any kind Any form of <em>initial</em> communication Therefore, CACi did not meet the legal requirement to initiate collection legally.\n\nB."]},"sort":[12.766512,"17243992"]},{"_index":"complaint-public-v1","_id":"4656455","_score":12.631079,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX JPMORGAN CHASE & CO ( referred to as JPMC ) a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) has written a response through the bureau ( defined under 15 U.S. Code 1692a ( 1 ) ) to the consumer and Original Creditor. The response claims \" We confirmed the debt associated with your accounts ending in XXXX and XXXX are valid. '' May I ask how they were validated, pursuant to 15 U.S. Code 1692g ( a ) or 15 U.S. Code 1692g ( b )? The sentence immediately following that states, \" We own the accounts .... '' If JPMC owns the accounts, how are they asking to have a XXXX XXXX consumer pay an alleged obligation that has not been verified or can be proven by contract the alleged obligation is lawfully owed? \n\nThese accounts are an incident of a natural person granting credit to a debtor to defer payment of debt or to incur debt and defer its payment, pursuant to 15 U.S. Code 1602 ( f ). I must add that a 'creditor ' refers only to a person and pursuant to the TILA, the term person means a natural person ; 15 U.S. Code 1602 ( e ) lawfully supports that. \n\nJPMC has proved they have gotten my cease and desist, but is not honoring it pursuant to my right under, 15 U.S. Code 1692c ( c ). JPMC states, \" Your accounts were previously updated with a cease and desist on XX/XX/XXXX. This means no outbound calls or mail are sent to you unless we are responding to your initiated action or escalation. Monthly statements will continue to be sent on your pre-charge off accounts. '' Okay, under the FDCPA 15 U.S. Code 1692a ( 2 ) communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. So, why would JPMC deceive me into thinking ceasing communication relates ONLY to outbound calls or mails? From my understating of the FDCPA, 15 U.S. Code 1692c ( a ) clearly states, \" Without the prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt .... '' My original cease and desist was received by JPMC on XX/XX/XXXX. 15 U.S. Code 1692c ( c ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except for, 15 U.S. Code 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). I have attached a screenshot of this statue and code ; I made the bureau aware of this violation on XX/XX/XXXX case number XXXX. Congress has written explicitly what kind of communication shall come after a cease and desist, why would JPMC attempt to sway me into thinking differently? What lawfully established claim does JPMC cite in regard to my cease and desist? \n\nJPMC has known since XX/XX/XXXX of cease and desist according my green return receipt accompanied by tracking number XXXX - USPS. I also included this as an attachment. Communication, directly or indirectly should have lawfully stopped. Why does XXXX continue to communicate with me indirectly through the 3 major Consumer Reporting Agencies? That is a violation, isn't it? I asked for it to communication to cease and desist, kindly. \n\nJPMC states in their CFPB response, \" The information we are sending to the credit-reporting agencies match our records. '' Pursuant t 15 U.S. Code 1692d ( 1 ) is looking to harm my reputation by indirectly speaking on private matters where congress has already identified, \" There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. That was 15 U.S. Code 1692 ( a ). I asked for communication to stop with me through ANY and ALL mediums. \n\nJPMC states in their CFPB response on 8/23/2021, \" Monthly statements will continue to be sent on your pre-charge off accounts. '' They continue to state, \" The alleged facts and statements in your letter are legally insufficient, without merit, and do not require a response. '' As a consumer, I deem that to be obscene and profane language pursuant to 15 U.S. Code 1692d ( 2 ). Does JPMC assume they may take adverse action against. consumer and charge off my account? \n\nJPMC states in their CFPB response on XX/XX/XXXX, \" we are not required to verify the validity of the debt under oath and, therefore, decline to do so. '' JPMC has adhered to my request for validation on XXXX XXXX, XXXX by mail by only sending ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed. What happened the mention of ( 3 ), ( 4 ) and ( 5 ) of that same statue? Validation is supposed to happen within five days after the initial communication with me a consumer, in connection with the collection of any alleged obligation, a debt collector, in this case JPMC shall, unless the following information is contained in the initial communication send the consumer a written notice with ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ; pursuant to 15 U.S. Code 1692g ( a ) ( b ) I submitted request for VERIFICATION pursuant to 15 U.S. Code 1692g ( b. The NAME and ADDRESS of the Original Creditor ( pursuant 15 U.S. Code 1602 ( i ) ) was my specific demand. Tracking via USPS is XXXX and its contents are attached. JPMC claims \" We own the accounts ... '' but, do they really and can they prove that lawfully? \n\nJPMC states in their CFPB response on XX/XX/XXXX, \" We also confirmed you paid for the services of a debt settlement company to settle the debt on your behalf. This charge was made on XX/XX/XXXX, for {$1000.00} to XXXX on your account ending XXXX. '' Firstly, that was an invasion of my privacy. Nonetheless, I have attached screenshots confirming I purchased books, three to be exact. They are educational tools open to the public on XXXX as well ; please see attached. I did not understand what a \" debt settlement company '' is so I had to study a bit more ; I have attached my findings about this as well. JPMC is belittling my knowledge as a consumer and is looking to discourage me from exercising my rights as a federally protected consumer, again. \n\nAs a consumer, I deem that to be obscene and profane language pursuant to 15 U.S. Code 1692d ( 2 ) because it is not backed by fact or Federal Law. Can JPMC provide proof of the process used to confirm that false statement? If JPMC can not, it has again tried to harass and abuse my knowledge gained, pursuant to 15 U.S. Code 1692d ( 1 ).\n\nLastly, based on previous correspondence with JPMC it is as if I am speaking to a minor ; I deem it necessary to define person, credit and creditor in the same order Congress did in Title 15 Chapter 41. Pursuant to 15 U.S. Code 1602 ( e ) person - means a natural person ; pursuant to 15 U.S. Code 1602 ( f ) credit - means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ; This leaves me to define creditor. Pursuant to 15 U.S. Code 1602 ( g ) the term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. See attachments for further proof of what Congress wrote and this all boils down to unauthorized use, meaning a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use AND from which the cardholder receives no benefit. \n\nThere is no benefit to me the consumer and original creditor if I am alleged obligated to pay on this account. Especially since consideration has already been made.","date_sent_to_company":"2021-08-24T07:10:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"4656455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-08-24T01:09:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation is supposed to happen <em>within</em> <em>five</em> <em>days</em> after the <em>initial</em> communication with me a consumer, in connection with the collection of any alleged obligation, a debt <em>collector</em>, in this case JPMC shall, unless the following information is contained in the <em>initial</em> communication send the consumer a written notice with ( 5 ) a statement that, upon the consumers written request <em>within</em> the thirty-day period, the debt <em>collector</em> will provide the consumer with the name and address of the original creditor"]},"sort":[12.631079,"4656455"]},{"_index":"complaint-public-v1","_id":"3551797","_score":12.555764,"_source":{"product":"Debt collection","complaint_what_happened":"Sarma Collections Incorporated never provided any valid evidence of debt within the 30-day time frame from a dispute filed from the alleged debtor. I requested information from the creditor by affidavit ( from a commissioner of the court ) and the company didn't provide any information requested but a printed bill ( with the missing government state identification that must be used to verify debtor ) nor did they remove any debt from my credit report. I have already informed this company that I do not want to contract with their company, not do I have a law and binding contract with their company.\n\nALSO 1 ) Please provide proof of notice that was given that was to be submitted Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on. Once a collections agency notifies the individual that they owe a debt, the individual has 30 days to validate or dispute the debt. The collections company is not allowed to continue collections procedures until after the debt is validated or disputed.\n\n1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Sarma Collections Incorporated to pay debt collector which will give your company jurisdiction to report this debt on my credit.\n\nNOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom It May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.\n\nThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.\n\nAt this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.\n\nIf your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.\n\nTitle 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation and verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.\n\nBLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.\n\nVALIDATION. Proving the validity of accuracy of the claim.\n\nCounter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice.\n\nFurthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) One Thousand Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has firsthand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX XXXX ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX XXXX ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX XXXX ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.\n\nThis is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.\n\nEquality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, and the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ...\n\nCREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.\n\n1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : XXXX 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.\n\n9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.\n\n10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( XXXX XXXX XXXX XXXX XXXX XXXX  ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.\n\n12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.\n\n13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.\n\n14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.\n\n15. Provide verification from the stated creditor that you are authorized to act for them.\n\n16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.\n\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS **********************SILENCE IS ACQUIESENCE*********************** NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.\n\nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of debt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.\n\n6. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.\n\n7. The actual records of the organization or other governmental unit with a live signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name.\n\n8. Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.\n\n9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z.\n\n10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.\n\n11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account.\n\n15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\n\nPursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.\n\nThis is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.\n\nFurther, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt.\n\nPlease take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. IE XXXX XXXX. ALL INFORMATION WILL BE FORWARDED TO THE TEXAS INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE SARMA COLLECTIONS INCORPORATED PER THE BANKING SECRECY ACT AND THE PATRIOT ACT AS WELL AS ALL MONEY INSTRUMENTS TO BE DISCLOSED.\n\nTAKE NOTICE SARMA COLLECTIONS INC. failure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : A. ) Debt collector has no lawful, bona fide, verified claim, re the listed accounts : # XXXX B. ) Debt Collector waives any, and all claims against respondent C. ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempts, re the above-referenced alleged accounts.\n\nD. ) Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type.\n\nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See Eads V Marks 249 P. 2d 257,260 Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank.","date_sent_to_company":"2020-03-03T07:17:35.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"3551797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sarma","date_received":"2020-03-03T02:07:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["ALSO 1 ) Please provide <em>proof</em> of notice that was <em>given</em> that was to be <em>submitted</em> <em>Within</em> <em>five</em> <em>days</em> of the <em>collector</em> 's <em>initial</em> communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt <em>within</em> 30 <em>days</em>. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on."]},"sort":[12.555764,"3551797"]},{"_index":"complaint-public-v1","_id":"2718293","_score":12.283071,"_source":{"product":"Debt collection","complaint_what_happened":"COMPANY DID NOT RESPOND Company never provided any valid evidence of debt within the 30-day time frame from a dispute filed with the credit bureaus. I Requested information from creditor by affidavit ( from a commissioner of the court ) and the company did n't provide any information requested but sent a printed unsigned ledger nor did they remove any debt from my credit report. Certified Mail # XXXX XXXX ) Please provide proof of notice that was given that was to be submitted Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on. Once a collections agency notifies the individual that they owe a debt, the individual has 30 days to validate or dispute the debt. The collections company is not allowed to continue collections procedures until after the debt is validated or disputed. \n\nNOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. \n\nThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.\nAt this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. \n\nIf your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.\nTitle 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a )  that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation and verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \nXXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.\nVALIDATION. Proving the validity of accuracy of the claim.\nCounter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. \n\nFurthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 )  days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has firsthand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. \n\nThis is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.\nEquality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is  Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, and the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ...\nCREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.\n1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.\n9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.\n10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.\n12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt  collections. \n13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.\n14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.\n15. Provide verification from the stated creditor that you are authorized to act for them.\n16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS **********************SILENCE IS ACQUIESENCE*********************** NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.\nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of debt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.\n6. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.\n7. The actual records of the organization or other governmental unit with a live signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name.\n8. Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.\n9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z.\n10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.\n11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account.\n15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\nPursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.\nThis is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.\nFurther, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt.\nPlease take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. IXXXX XXXX XXXX. ALL INFORMATION WILL BE FORWARDED TO THE TEXAS INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE CREDIT SYSTEMS INTL THE BANKING SECRECY ACT AND THE PATRIOT ACT UNDER AS WELL AS ALL MONEY INSTRUMENT TO BE DISCLOSED.\nTAKE NOTICE CREDIT SYSTEMS INTL failure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : A. ) Debt collector has no lawful, bona fide, verified claim, re the listed accounts : # XXXX XXXX. ) Debt Collector waives any, and all claims against respondent C. ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempts, re the above-referenced alleged accounts.\nD. ) Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type.\nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See XXXX XXXX XXXX  249 P. 2d 257,260 Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank.","date_sent_to_company":"2017-11-02T04:29:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2718293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Systems International, Inc.","date_received":"2017-11-02T00:13:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Certified Mail # XXXX XXXX ) Please provide <em>proof</em> of notice that was <em>given</em> that was to be <em>submitted</em> <em>Within</em> <em>five</em> <em>days</em> of the <em>collector</em> 's <em>initial</em> communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt <em>within</em> 30 <em>days</em>. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on."]},"sort":[12.283071,"2718293"]},{"_index":"complaint-public-v1","_id":"2718319","_score":12.270524,"_source":{"product":"Debt collection","complaint_what_happened":"Company never provided any valid evidence of debt within the 30-day time frame from a dispute filed with the credit bureaus. I Requested information from creditor by affidavit ( from a commissioner of the court ) and the company did n't provide any information requested but sent a printed unsigned ledger nor did they remove any debt from my credit report. Certified Mail # XXXX ALSO XXXX ) Please provide proof of notice that was given that was to be submitted Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on. Once a collections agency notifies the individual that they owe a debt, the individual has 30 days to validate or dispute the debt. The collections company is not allowed to continue collections procedures until after the debt is validated or disputed. \nNOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. \n\nThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. \n\nAt this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. \n\nIf your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.\nTitle 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation and verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \nXXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. \nVALIDATION. Proving the validity of accuracy of the claim. \n\nCounter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within XXXXhirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. \n\nFurthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 )  days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has firsthand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. \n\nThis is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.\nEquality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, and the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... \nCREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.\n1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. \n9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.\n10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.\n12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.\n13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.\nXXXX. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. \nXXXX. Provide verification from the stated creditor that you are authorized to act for them. \nXXXX. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS **********************SILENCE IS ACQUIESENCE*********************** NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. \nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of debt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.\n6. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.\n7. The actual records of the organization or other governmental unit with a live signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name. \nXXXX. Be advised that verification is defined XXXX XXXX Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. \nXXXX. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z. \n10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.\n11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account.\n15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\nPursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. \n\nThis is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. \nFurther, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ),  as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt. \nPlease take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. IE XXXX XXXX. ALL INFORMATION WILL BE FORWARDED TO THE TEXAS INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE AVANTE USATHE BANKING SECRECY ACT AND THE PATRIOT ACT UNDER AS WELL AS ALL MONEY INSTRUMENT TO BE DISCLOSED.\nTAKE NOTICE AVANTE USAfailure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : A. ) Debt collector has no lawful, bona fide, verified claim, re the listed accounts : # XXXX B. ) Debt Collector waives any, and all claims against respondent C. ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempts, re the above-referenced alleged accounts.\nD. ) Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type. \nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See XXXX XXXX XXXX 249 P. 2d 257,260 Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX XXXX XXXX XXXX, or at any Federal Reserve bank.","date_sent_to_company":"2017-11-02T05:47:31.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2718319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AVANTE","date_received":"2017-11-02T00:45:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Certified Mail # XXXX ALSO XXXX ) Please provide <em>proof</em> of notice that was <em>given</em> that was to be <em>submitted</em> <em>Within</em> <em>five</em> <em>days</em> of the <em>collector</em> 's <em>initial</em> communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt <em>within</em> 30 <em>days</em>. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on."]},"sort":[12.270524,"2718319"]},{"_index":"complaint-public-v1","_id":"17215091","_score":11.977489,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns significant inaccuracies, lack of verification, and procedural failures involving a collection account being reported by Caine Weiner, a debt collection agency. Despite multiple lawful attempts to obtain validation, verification, and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), Caine Weiner has continued to report a derogatory collection tradeline that has not been substantiated with legally required proof. These actions have resulted in misleading, unverified, and potentially unlawful negative information appearing on my credit reports, causing ongoing harm. \n\nThe purpose of this statement is to provide a thorough account of what happened, outline the steps I have taken to resolve the issue, detail how Caine Weiner and the credit bureaus responded, and demonstrate why this matter constitutes a violation of multiple consumer-protection statutes. \n\n1. Discovery of the Issue In reviewing my credit reports, I discovered that Caine Weiner was reporting a derogatory collection account with a past-due balance. This was the first time I had ever seen this account. I received no prior communication from Caine Weiner regarding the existence of the alleged debt, no notice of placement, and no written validation prior to the account appearing on my credit file. \n\nThe reporting appeared suddenly without any earlier contact, without any debt validation notice, and without any attempt by the company to communicate with me in compliance with FDCPA 809 ( a ), which requires collectors to send a written notice within five days of initial communication. \n\nBecause I had no records of this debt, no billing statements, no correspondence, and no proof that this alleged account belonged to me, I immediately began the formal dispute process. \n\n2. Initial Actions Taken by Me Upon discovering the derogatory collection entry from Caine Weiner, I promptly took the following steps : ( A ) Disputed the account with all three credit bureaus Under FCRA 611 ( a ), consumers have the right to dispute inaccurate or incomplete information. I filed disputes with : XXXX XXXX XXXX I clearly explained that the alleged collection account was unknown to me, that I had never received validation of any kind, and that the debt was therefore unverified. \n\n( B ) Requested debt validation directly from Caine Weiner Under FDCPA 809 ( b ), a consumer has the right to demand validation of any debt being collected. I requested : The name of the original creditor The amount of the alleged debt The date of service or transaction Copies of any contracts, agreements, or account records Proof of ownership or assignment Chain of custody showing transfer of the alleged account Verification that the amount is accurate and lawful Proof that Caine Weiner had the right to collect or report this account This request was submitted in writing and delivered with confirmation. \n\n( C ) Asked for procedural details from the credit bureaus Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I requested the detailed method of verification, asking the bureaus to disclose : How the information was verified What documentation was reviewed Whether verification was done manually or electronically Whether the furnisher provided paperwork or merely an automated response The date of verification The person or department who verified the information Any supporting documentation supplied by Caine Weiner None of this was provided. \n\n3. Responses Received From the Credit Bureaus Within a short period, each credit bureau issued the same generic response : The account has been verified as accurate. \n\nHowever : No bureaus provided copies of documentation used to verify the debt. \n\nNo bureaus provided written procedures explaining how verification was conducted. \n\nNo bureaus provided evidence that any original documentation was reviewed. \n\nSome bureaus completed the reinvestigation within as little as seven days, far too short for meaningful manual review. \n\nEach bureau refused to supply the verification method, despite my lawful request. \n\nThis suggests that : The dispute was processed through automated systems such as XXXX, which transmits dispute codes to furnishers. \n\nCaine Weiner likely responded with a one-click automated verified status. \n\nNo human investigation occurred. \n\nNo actual documents were reviewed. \n\nThis violates the FCRA requirement for reasonable procedures to ensure maximum possible accuracy. \n\n4. Responses from Caine Weiner Despite my written requests for validation : Caine Weiner did not provide any copy of an original contract. \n\nCaine Weiner did not provide account statements or transaction details. \n\nCaine Weiner did not supply proof of ownership or assignment. \n\nCaine Weiner did not provide itemization of any balance. \n\nCaine Weiner did not provide evidence that the debt is mine. \n\nCaine Weiner did not show that any communication was ever sent to me. \n\nCaine Weiner did not provide documentation verifying the amount owed. \n\nCaine Weiner did not provide records showing the debt is still legally enforceable. \n\nCaine Weiner did not produce any evidence of a relationship with the alleged original creditor. \n\nDespite failing to validate the debt as required under FDCPA 809 ( b ), Caine Weiner continued : Reporting the account Updating derogatory information Furnishing negative data to credit bureaus This is expressly prohibited by federal law. \n\n5. Violations by Caine Weiner Based on the facts, Caine Weiner appears to have violated multiple provisions of federal law : A. FDCPA Violations ( 1 ) Failure to provide validation Under FDCPA 809 ( a ) and 809 ( b ), a collector must send a written validation notice and must cease collection if the consumer requests validation. Caine Weiner never provided legally required documents. \n\n( 2 ) Continuing collection efforts without validation Caine Weiner continued reporting derogatory information while failing to validate the debt. This violates FDCPA 809 ( b ).\n\n( 3 ) Reporting false or misleading information FDCPA 807 ( 8 ) prohibits communicating false credit information. Furnishing an unvalidated, unverified account constitutes misleading collection activity.\n\n( 4 ) Failure to identify the true creditor FDCPA 807 ( 14 ) requires collectors to correctly identify the original creditor. Caine Weiner failed to do so.\n\nB. FCRA Violations ( 1 ) Furnishing inaccurate information Under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher may provide information known to be inaccurate. Without validation, Caine Weiner can not accurately report the debt. \n\n( 2 ) Failure to conduct a reasonable investigation Under FCRA 623 ( b ), once the bureaus notify the furnisher of a dispute, the collector must investigate. Caine Weiner did not provide evidence of such investigation.\n\n( 3 ) Failure to provide documentation to credit bureaus If a furnisher can not validate a debt, it must notify the bureaus. Caine Weiner did not.\n\n( 4 ) Continued reporting of unverifiable information FCRA 611 ( a ) ( 5 ) ( A ) requires deletion of unverifiable information. Caine Weiner violated this provision by continuing to update the tradeline. \n\n6. Violations by the Credit Bureaus The credit bureaus also failed to comply with federal law.\n\nA. Failure to conduct a reasonable reinvestigation ( FCRA 611 ) By relying on automated verification processes, the bureaus did not perform a reasonable reinvestigation.\n\nB. Failure to provide the method of verification I explicitly requested the verification method under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). None of the XXXX XXXXplied. \n\nC. Failure to delete unverifiable information The bureaus retained the derogatory account despite no supporting documentation. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable entries must be deleted.\n\nD. Failure to provide maximum possible accuracy ( FCRA 607 ( b ) ) Allowing a collection agency to verify a debt electronicallywithout real proofviolates the FCRAs accuracy standard.\n\n7. Harm Suffered Caine Weiners reporting has caused significant harm, including : Lower credit scores Credit denials Higher interest rates Difficulty obtaining financial approval Reduced credit card limits Higher insurance premiums Stress, emotional harm, and reputational damage Wasted time disputing inaccurate information Every month the unverifiable account remains, the harm increases. \n\n8. Failure to Comply with Industry Standards Debt collectors must maintain records, proof of assignment, account-level documentation, and transaction history. Caine Weiner provided none. \n\nAdditionally, major industry-standard practicessuch as providing itemized balances, chain of custody, and creditor authorization documentationwere ignored. \n\n9. Lack of Transparency At no point was I provided : A signed contract A copy of the original agreement Transactions or itemization Proof of account ownership Proof of right to collect Validation notice Date of last payment Charge-off records Account statements Chain-of-title documentation Without these items, the debt is unvalidated and unverified.\n\n10. Reasonable Conclusion Given the lack of evidence, Caine Weiners reporting appears to be : Unverified Unvalidated Legally unsupported Potentially inaccurate Potentially unlawful In violation of both FDCPA and FCRA 11. Burden of Proof Is on the Furnisher Not the Consumer The FCRA does not require the consumer to prove the inaccuracy. \nIt requires the furnisher to prove accuracy. \n\nCaine Weiner has not met this burden. \n\n12. Summary of Violations FDCPA Violations : 809 ( a ) Failure to send validation notice 809 ( b ) Continuing collection without validation 807 ( 8 ) False representation of credit information 807 ( 14 ) Failure to identify original creditor FCRA Violations : 607 ( b ) Failure to ensure maximum possible accuracy 611 ( a ) Failure to conduct a reasonable reinvestigation 611 ( a ) ( 5 ) Failure to delete unverifiable information 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information 623 ( b ) Failure to investigate disputes 13. Why CFPB Assistance Is Needed I have exhausted all reasonable internal remedies. Caine Weiner has : Ignored validation requests Ignored documentation requirements Ignored consumer rights Continued reporting unverifiable data Failed to conduct lawful investigation The credit bureaus have : Relied on automated verification Ignored procedural requests Failed to provide verification details Failed to ensure accuracy CFPB involvement is necessary to enforce federal law. \n\n14. What This Complaint Seeks I am not asking for special treatment or favored outcomes. \nI am simply requesting that the law be followed. \n\nSpecifically, I seek : A lawful, documented, manual reinvestigation Full validation documents from the furnisher Removal of the unverifiable collection account Correction of any inaccurate or contradictory reporting Transparency in the verification process Assurance that the account will not reappear without certification All of these actions are required under the FCRA and FDCPA. \n\n15. Conclusion Caine Weiner has reported a collection account that is unvalidated, unverified, unsupported by documentation, and in violation of federal law. The credit bureaus failed to follow proper procedures, failed to verify information, and failed to provide transparency. \n\nThis complaint seeks to ensure compliance with FCRA and FDCPA, the removal of unverifiable derogatory information, and the protection of the consumers legal rights.","date_sent_to_company":"2025-11-14T01:50:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"17215091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2025-11-14T01:44:01.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The reporting appeared suddenly without any earlier contact, without any debt validation notice, and without any attempt by the company to communicate with me in compliance with FDCPA 809 ( a ), which requires <em>collectors</em> to send a written notice <em>within</em> <em>five</em> <em>days</em> of <em>initial</em> communication. \n\nBecause I had no records of this debt, no billing statements, no correspondence, and no <em>proof</em> that this alleged account belonged to me, I immediately began the formal dispute process. \n\n2."]},"sort":[11.977489,"17215091"]},{"_index":"complaint-public-v1","_id":"7600426","_score":10.9610615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! \nI want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. \nMy only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. \nAlso, my current address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX, GA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX, GA XXXX is not accurate and should be removed immediately. \nI also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. \nPlease do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! \nI look forward to your written response confirming your compliance on this matter as well as an updated credit report. \nSincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX, GA XXXX I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates \" Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed. \nchallenged account : XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is reporting on my consumer credit file without providing me any communication regarding the account and debt alleged owed XXXX under FDCPA they are suppose to provide me a notice within 5 days before furnishing on my reporting, providing me notice of the debt pursuant to 15 U.S. Code 1692g - Validation of debts- a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. they did not lawfully provide proper communication that i have a right under 15 U.S. Code 1692g - Validation of debts- ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These companies are reporting late payments, collections, and 30 day, 60 days,120 days payment on dates that are PPNL PAID AND NEVER LATE there fore prompting me to not be able to properly responded during the dunning period for the alleged debt which does not constitute for me to be liable by law under 15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; they are communicating with Third parties TRANSUNION, XXXX, XXXX, XXXX XXXX with out proper permissible purpose under 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. this company is also furnishing incorrect incomplete in accurate information they are claiming to have charged off and collecting which they can not do, i asked them for validation of debt This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : 15 U.S. Code 1681e - Compliance procedures-a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. ( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph. 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes. In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. - Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. - Proof that you are licensed to collect in my state. - Your license numbers and Registered Agent or Agent of Service. - The identity, name, and address of the original creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion ) request shall be sent to me immediately. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. they failed to do so. they also did not provide me with my 1099C tax form for the charge off i have to turn all charged off debts in on for income on 1099c in which they are claiming to have done while unlawfully still trying to collect.\n\nFurthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.\n\nYou are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.\n\nMy rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.\n\nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes.\n\nIn addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.\n\n- Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.\n\n- Proof that you are licensed to collect in my state.\n\n- Your license numbers and Registered Agent or Agent of Service. \n- The identity, name, and address of the original creditor. \n-copy of the debt purchase aggrement with creditor with terms and conditions attached Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. \nAt this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.\n\nAlso, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate, when in fact there is no provided proof that it is accurate.\n\nI would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.\n\nIf your company fails to respond to this validation request within 30 days from the date of your 1 of 2 receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion ) request shall be sent to me immediately.\n\nIt would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.\n\nTo Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.\n\nA couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. \nThis letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. \nYour response should to me should include the following at a minimum. \nPlease explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? \nWhat certified documents were reviewed to conclude your investigation? \nPlease provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. \nWhat did it cost your company to obtain the documents needed to complete your investigation? \nPlease provide proof of your timely procurement of certified documents. \nDid you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? \nIf yes to above : Who did you speak to? \nOn what date? \nHow long was the conversation? \nWhat was their position? \nWhat telephone number did you call? \nWhat is the name of the employee of your company that spoke directly to the above party? \nWhat is the position of the employee of your company that spoke directly to the above party? \nHow long has that employee been employed by your company? \nWhat formal training was provided to this employee to investigate items of this kind? \nWas there any e-mail or written communication between members of your company and the above party? \nProvide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. \nProvide the date of the commencement of delinquency. \nProvide the SPECIFIC date reporting that these items will cease. \nEnclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. \nMy initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. \nThis erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. \nHere is a list of accounts that you claimed were verified FALSE LATE PAYMENT REPORTING THESE FOLLOWING ACCOUNTS WHERE NEVER LATE [ PPNL ] [ PAID NEVER LATE ] AND SHOULD BE UPDATED AS PAID AS AGRRED. \n\nXXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXX XXXXXXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXX [ LATE PAYMENT XX/XX/XXXX DAY XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ] XXXX XXXX XXXX [ LATE PAYMENT DATES XXXX XXXX, XX/XX/XXXX ] XXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXXXXXX [ LATE PAYMENT DATES XXXX XXXX, XXXX, XX/XX/XXXX, XXXX ] Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.\n\nI have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.\n\n( B ) Considerations. In prescribing regulations under subparagraph ( A ), the agencies shall weigh : ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403 ( 3 ), including entities that would be a credit repair organization, but for section 403 ( 3 ) ( B ) ( i ), are able to circumvent the prohibition in subparagraph ( G ).\n\n( C ) Applicability. Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ).\n\n( D ) Submitting a notice of dispute- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that : ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.\n\n( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall : ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.\n\n( F ) Frivolous or Irrelevant Dispute ( i ) In general. This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including -- ( I ) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or ( II ) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection ( b ), with respect to which the person has already performed the person 's duties under this paragraph or subsection ( b ), as applicable.\n\n( ii ) Notice of determination. Upon making any determination under clause ( i ) that a dispute is frivolous or irrelevant, the person shall noti","date_sent_to_company":"2023-09-25T04:35:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28306","tags":null,"has_narrative":true,"complaint_id":"7600426","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-25T04:35:02.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of debts- a ) Notice of debt ; contents <em>Within</em> <em>five</em> <em>days</em> after the <em>initial</em> communication with a consumer in connection with the collection of any debt, a debt <em>collector</em> shall, unless the following information is contained in the <em>initial</em> communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, <em>within</em> thirty"]},"sort":[10.9610615,"7600426"]},{"_index":"complaint-public-v1","_id":"7599504","_score":10.940541,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! \nI want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. \nMy only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX. \nAlso, my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXm requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not accurate and should be removed immediately. \nI also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. \nPlease do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! \nI look forward to your written response confirming your compliance on this matter as well as an updated credit report. \nSincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates \" Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed. \nchallenged account : XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting on my consumer credit file without providing me any communication regarding the account and debt alleged owed XXXX under FDCPA they are suppose to provide me a notice within 5 days before furnishing on my reporting, providing me notice of the debt pursuant to 15 U.S. Code 1692g - Validation of debts- a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. they did not lawfully provide proper communication that i have a right under 15 U.S. Code 1692g - Validation of debts- ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These companies are reporting late payments, collections, and 30 day, 60 days,120 days payment on dates that are PPNL PAID AND NEVER LATE there fore prompting me to not be able to properly responded during the dunning period for the alleged debt which does not constitute for me to be liable by law under 15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; they are communicating with Third parties XXXX, EQUIFAX, XXXX, XXXX XXXX with out proper permissible purpose under 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. this company is also furnishing incorrect incomplete in accurate information they are claiming to have charged off and collecting which they can not do, i asked them for validation of debt This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : 15 U.S. Code 1681e - Compliance procedures-a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. ( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph. 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes. In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. - Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. - Proof that you are licensed to collect in my state. - Your license numbers and Registered Agent or Agent of Service. - The identity, name, and address of the original creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Experian, Equifax or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : Equifax, Experian and TransUnion ) request shall be sent to me immediately. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. they failed to do so. they also did not provide me with my 1099C tax form for the charge off i have to turn all charged off debts in on for income on 1099c in which they are claiming to have done while unlawfully still trying to collect.\n\nFurthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.\n\nYou are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.\n\nMy rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.\n\nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ( Original XXXX : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes.\n\nIn addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.\n\n- Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.\n\n- Proof that you are licensed to collect in my state.\n\n- Your license numbers and Registered Agent or Agent of Service.\n\n- The identity, name, and address of the original creditor.\n\n-copy of the debt purchase aggrement with creditor with terms and conditions attached Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.\n\nAt this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, Equifax or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.\n\nAlso, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate, when in fact there is no provided proof that it is accurate.\n\nI would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.\n\nIf your company fails to respond to this validation request within 30 days from the date of your 1 of 2 receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : Equifax, XXXX and XXXX  ) request shall be sent to me immediately.\n\nIt would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.\n\nTo Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.\n\nA couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.\n\nThis letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.\n\nYour response should to me should include the following at a minimum.\n\nPlease explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?\n\nWhat certified documents were reviewed to conclude your investigation?\n\nPlease provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.\n\nWhat did it cost your company to obtain the documents needed to complete your investigation?\n\nPlease provide proof of your timely procurement of certified documents.\n\nDid you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?\n\nIf yes to above : Who did you speak to?\n\nOn what date?\n\nHow long was the conversation?\n\nWhat was their position?\n\nWhat telephone number did you call?\n\nWhat is the name of the employee of your company that spoke directly to the above party?\n\nWhat is the position of the employee of your company that spoke directly to the above party?\n\nHow long has that employee been employed by your company?\n\nWhat formal training was provided to this employee to investigate items of this kind?\n\nWas there any e-mail or written communication between members of your company and the above party?\n\nProvide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.\n\nProvide the date of the commencement of delinquency.\n\nProvide the SPECIFIC date reporting that these items will cease.\n\nEnclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.\n\nMy initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.\n\nThis erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.\n\nHere is a list of accounts that you claimed were verified FALSE LATE PAYMENT REPORTING THESE FOLLOWING ACCOUNTS WHERE NEVER LATE [ PPNL ] [ PAID NEVER LATE ] AND SHOULD BE UPDATED AS PAID AS AGRRED. \n\nXXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXX XXXXXXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXX [ LATE PAYMENT XX/XX/XXXX DAY XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ] XXXX XXXX XXXX [ LATE PAYMENT DATES FED XXXX, XX/XX/XXXX ] XXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX  XXXX [ LATE PAYMENT DATES XXXX XXXX, XXXX, XX/XX/XXXX, XXXX ] Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. \n\nI have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.\n\n( B ) Considerations. In prescribing regulations under subparagraph ( A ), the agencies shall weigh : ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403 ( 3 ), including entities that would be a credit repair organization, but for section 403 ( 3 ) ( B ) ( i ), are able to circumvent the prohibition in subparagraph ( G ).\n\n( C ) Applicability. Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ).\n\n( D ) Submitting a notice of dispute- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that : ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.\n\n( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall : ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.\n\n( F ) Frivolous or Irrelevant Dispute ( i ) In general. This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including -- ( I ) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or ( II ) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection ( b ), with respect to which the person has already performed the person 's duties under this paragraph or subsection ( b ), as applicable.\n\n( ii ) Notice of determination. Upon making any determination under clause ( i ) that a dispute is frivolous or irrelevant, the person shall noti","date_sent_to_company":"2023-09-25T04:35:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28306","tags":null,"has_narrative":true,"complaint_id":"7599504","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-25T04:35:02.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of debts- a ) Notice of debt ; contents <em>Within</em> <em>five</em> <em>days</em> after the <em>initial</em> communication with a consumer in connection with the collection of any debt, a debt <em>collector</em> shall, unless the following information is contained in the <em>initial</em> communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, <em>within</em> thirty"]},"sort":[10.940541,"7599504"]},{"_index":"complaint-public-v1","_id":"5326877","_score":10.7499485,"_source":{"product":"Debt collection","complaint_what_happened":"I am a federally protected consumer am making a complaint against FIRST PORTFOLIO VENTURES, I, LLC, for committing identity theft. I have never given FIRST PORTFOLIO VENTURES, I, LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIRST PORTFOLIO VENTURES, I, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. I advised them that their claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act. 15 USC 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) 15 USC 1601 et seq. I choose to respond point for point to what I allege is in fact, an initial invitation to contract with FIRST PORTFOLIO VENTURES, I, LLC. They utilized the United States Postal Service in regard to the payment of an alleged debt. Violation of 15 USC 1692 ( a ), ( d ), ( e ). FIRST PORTFOLIO VENTURES, I, LLC. /Principals is a debt collector, subject to the Fair Debt Collection Practices Act, under 15 U. S. C. 1692 a ( 2 ), ( 5 ). I am in good faith requesting DEBT VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I demand that their offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt.1. Failure to provide any documentation regarding but not limited to tradelines, security ; guarantee agreements, tax forms, insurance notes, bonds or any other record that will prove in addition to a written declaration by a live witness with first-hand knowledge of the origin of this alleged debt. \n1 ( a ) A Financial instrument in the form of a remittance in conjunction with a bank identification number ( XXXX ) has been officially furnished and delivered to me on the witness account of the United States Postal Services. This fraudulent bank account has been accruing interest and benefiting another [ FIRST PORTFOLIO VENTURES, I, LLC ] AND not the true beneficiary. Furthermore, this dividend has been disguised as an EXTORTION DEMAND in the form of a DEBT STATEMENT, subject to fines and imprisonment pursuant to Title 18 USC, chapter 31 CRIMINAL PENALTIES FOR EXTORTION AND EMBEZZLEMENT.\n\n2. Failure to provide any documentation or proof in the initial communication received, as to who purchased ANY LOANS under ANY note bearing my name and personal identifying information. Therefore, I am disputing the entire balance claimed in the DEBT STATEMENT and further demand that FIRST PORTFOLIO VENTURES, I, LLC, provide me with the following : ( a ) Proof of all indebtedness, including copies of any alleged loan paperwork in your possession, on which you base your alleged claim of default ; ( b ) Proof of the entire chain of custody of any promissory note claimed to be collected for, including but not limited to, copies of any guarantee, security agreements. Contracts for the alleged debt contained within the initial communications ; ( c ) A full accounting of ALL sums due that have been applied to this alleged loan balance. Including correspondence showing the payout dates of these alleged policies. \n( d ) If this loan was securitized, along with ANY other loans, please provide the name of the trust and location of its trustee, including the full contact information and telephone number ; ( e ) Provide the exact location of the purported loan documents, autographed by me with wet ink, and any and all FULL MATERIAL DISCLOSURES of how this DEFAULT LOAN/DEBT came into existence. \n( f ) Provide any and all copies of any and all loan documents, tax forms, balance sheets and any documents in any type of medium such as but not limited to electronic records and tangible forms you have in your possession, bearing my legitimate autograph. \n( g ) Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes ( h ) A copy of the contract signed by both parties and therefore binding both parties. \n( i ) original ledger and/or authenticated records. A true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. \n\nUCC 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( a ) DEFINITIONS ( 2 ) request for an accounting means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request UCC 9-210 ( 7 ) authenticate means : ( a ) to sign ; or ( b ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process UCC 9-210 ( 70 ) Record, except as used in for record, of record, record or legal title, and record owner, means information that is inscribed on a tangible medium and is retrievable in perceivable form Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. \n\nThis organization has attempted to sue me when they do not have permission nor my consent. FIRST PORTFOLIO VENTURES, I, LLC is in direct violation of 15 U.S. Code 1692i ( b ), which states nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Also take notice that this organization is in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. FIRST PORTFOLIO VENTURES, I, LLC failed to attach the signed credit card application, request or agreement allegedly executed by Defendant in violation of Rule 7.050, Fla.Sm.Cl.R. Instead it attached a generic customer agreement, which does not state the Defendants name, is not signed by her, is not dated, and bears no discernible relation to the Defendant. Even though it is titled an agreement, there is nothing indicating that anyone, let alone the Defendant, has agreed to it. This is insufficient documentation. Capital One Bank , Inc. v. Mary B. Livingston , County Court, Florida Fourth Judicial District, XXXX XXXX, Florida, signed XX/XX/XXXX, the Honorable XXXX XXXX XXXX. \n18 USC 1341 Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. \n\n\nBe further advised that I am not limiting or waiving any rights or remedies I may now or hereafter have, whether arising under your purported loan documents at law or in equity, all of which rights and remedies I am expressly reserving. I hereby give them five ( 5 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Their attorney ( XXXX XXXX XXXX ) has already received ( certified mail # XXXX XXXX XXXX XXXX XXXX ) a conditional agreement on XX/XX/XXXX which they have yet to reply and submit proof of this alleged debt, therefore, will not entitle them to 30 days, as this is beyond that time and forfeited. Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. If their offices attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administrati on of Justice Act 1970 S.40, which makes it a Criminal Offence for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress or humiliation ', because of their frequency. All future communications with me MUST be done in writing and sent to my place of dwelling shown in this letter by the United States Postal Service as a witness.\n\nIf this documentary evidence can not be produced and FIRST PORTFOLIO VENTURES, I, LLC, continues its collection efforts, I will file for litigation for actual damages caused and FIRST PORTFOLIO VENTURES, I, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.","date_sent_to_company":"2022-03-16T07:26:44.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"33018","tags":null,"has_narrative":true,"complaint_id":"5326877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Strategic Alliances, Inc.","date_received":"2022-03-16T03:13:14.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I hereby give them <em>five</em> ( 5 ) <em>days</em> to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details <em>given</em> to the above requests are true and without deception, fraud or mischief."]},"sort":[10.7499485,"5326877"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":53,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":53}]}},"product":{"doc_count":53,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":35,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":13},{"key":"Credit card debt","doc_count":12},{"key":"Medical debt","doc_count":5},{"key":"Other debt","doc_count":3},{"key":"Mortgage debt","doc_count":2}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":14}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":53,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempts to collect debt not owed","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":19},{"key":"Debt was result of identity theft","doc_count":3},{"key":"Debt was paid","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":4},{"key":"Was not notified of investigation status or results","doc_count":3}]}},{"key":"Written notification about debt","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":5},{"key":"Didn't receive notice of right to dispute","doc_count":2}]}},{"key":"Improper use of your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":4}]}},{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":3},{"key":"Account information incorrect","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly 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