{"took":187,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":37,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19036203","_score":29.76066,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. \n\n\n\nDespite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. \n\n\n\nI am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. \n\n\n\nThank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-27T15:00:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"19036203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-01-27T14:50:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB : Investigate this <em>debt</em> collection companys conduct Require the company to provide <em>proper</em> <em>debt</em> <em>validation</em>, <em>including</em> the <em>purchase</em> agreement or <em>chain</em> of title <em>Take</em> <em>appropriate</em> action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Took or threatened to <em>take</em> negative or legal action"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["Threatened to sue you for very old <em>debt</em>"]},"sort":[29.76066,"19036203"]},{"_index":"complaint-public-v1","_id":"19035809","_score":29.745396,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. \n\n\n\nDespite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. \n\n\n\nI am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. \n\n\n\nThank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-27T14:48:04.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"19035809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-01-27T14:33:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB : Investigate this <em>debt</em> collection companys conduct Require the company to provide <em>proper</em> <em>debt</em> <em>validation</em>, <em>including</em> the <em>purchase</em> agreement or <em>chain</em> of title <em>Take</em> <em>appropriate</em> action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Took or threatened to <em>take</em> negative or legal action"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Threatened to sue you for very old <em>debt</em>"]},"sort":[29.745396,"19035809"]},{"_index":"complaint-public-v1","_id":"12455291","_score":28.505838,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this formal complaint against LVNV Funding LLC for attempting to collect a debt without legally sufficient validation, violating federal and state consumer protection laws, and causing emotional distress. LVNV Funding LLC claims to own an alleged debt tied to my name but has failed to provide proper validation, including a complete chain of title, a full unredacted purchase agreement, the forward flow agreement governing the transaction, and loan-level documentation from the original creditor, XXXX. Despite my formal request, they have refused to provide these critical documents, making their claim legally questionable. \n\nThe Bill of Sale they provided references a Purchase Agreement dated XX/XX/XXXX, yet my loan originated in XX/XX/XXXX. This means my account could not have been included in that transaction, raising serious concerns about LVNV Funding LLCs legal authority to collect. Additionally, their Account Summary Report, prepared by Resurgent Capital Services, explicitly states that it is not an account statement from the original creditor, confirming that they lack original creditor documentation.\n\nLVNV Funding LLCs actions violate multiple consumer protection laws, including 15 U.S.C. 1692g ( b ) ( Failure to Validate Debt ), 15 U.S.C.1692e ( 2 ) ( False Representation of Debt Ownership ), and Florida FCCPA 559.72 ( 9 ) ( Enforcing a Debt Without Legal Right ). Their failure to provide legally required documentation has caused undue stress, negatively impacted my financial standing, and led to emotional distress.\n\nI request that the CFPB investigate LVNV Funding LLCs collection practices and : Compel them to provide complete debt validation, including the full purchase agreement, certified chain of title, forward flow agreement, and loan-level documentation from XXXX. \nIf they can not provide these documents, order them to cease collection efforts and remove the debt from my credit report. \nTake appropriate enforcement action against LVNV Funding LLC for engaging in deceptive collection practices. \nLVNV Funding LLC must not be allowed to continue collection efforts without legally proving they own this debt. I urge the CFPB to take immediate action","date_sent_to_company":"2025-03-13T17:44:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"34142","tags":null,"has_narrative":true,"complaint_id":"12455291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-03-13T17:43:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I request that the CFPB investigate LVNV Funding LLCs collection practices and : Compel them to provide complete <em>debt</em> <em>validation</em>, <em>including</em> the full <em>purchase</em> agreement, certified <em>chain</em> of title, forward flow agreement, and loan-level documentation from XXXX. \nIf they can not provide these documents, order them to cease collection efforts and remove the <em>debt</em> from my credit report. \n<em>Take</em> <em>appropriate</em> enforcement action against LVNV Funding LLC for engaging in deceptive collection practices."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[28.505838,"12455291"]},{"_index":"complaint-public-v1","_id":"12623393","_score":27.463371,"_source":{"product":"Debt collection","complaint_what_happened":"I am reporting a third-party vendor that has purchased my personal and financial information without my consent and is attempting to collect a debt without having a valid chain of title to establish ownership. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), debt collectors must provide validation of the debt upon request, including proof of assignment and chain of title from the original creditor. This entity has failed to provide such documentation, violating my rights under the FDCPA. \n\nAdditionally, the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) prohibits the dissemination of inaccurate information, yet this third-party vendor has reported unverifiable debt to the credit bureaus. Under 12 C.F.R. 1022.42 ( Regulation V ), furnishers of credit information must conduct reasonable investigations of disputed accounts, which they have failed to do. \n\nFurthermore, per the Consumer Financial Protection Bureau ( CFPB ) Regulation F ( 12 C.F.R. Part 1006 ), a debt collector must have proper documentation to substantiate their right to collect. Without an unbroken flow of title from the original creditor, this entity lacks legal standing to claim the debt. Their failure to produce a proper chain of title violates consumer protection laws and constitutes unfair and deceptive practices under 15 U.S.C. 45 ( FTC Act Unfair or Deceptive Acts or Practices - UDAP ). \n\nI request that the CFPB investigate this entity for its violations of federal consumer protection laws and take appropriate enforcement action.","date_sent_to_company":"2025-03-24T16:27:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"46112","tags":null,"has_narrative":true,"complaint_id":"12623393","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2025-03-24T16:08:17.000Z","state":"IN","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am reporting a third-party vendor that has <em>purchased</em> my personal and financial information without my consent and is attempting to collect a <em>debt</em> without having a valid <em>chain</em> of title to establish ownership. Under the Fair <em>Debt</em> Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), <em>debt</em> collectors must provide <em>validation</em> of the <em>debt</em> upon request, <em>including</em> proof of assignment and <em>chain</em> of title from the original creditor."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Telecommunications <em>debt</em>"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[27.463371,"12623393"]},{"_index":"complaint-public-v1","_id":"14835925","_score":26.847084,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Resurgent Capital Services for violating the Fair Debt Collection Practices Act ( FDCPA ) in connection with an alleged debt they claim to have acquired. \n\nOn XX/XX/year>, I received a debt collection notice from Resurgent Capital Services. I responded within the required 30-day window and submitted a formal written request for debt validation under 15 U.S.C. 1692g ( b ). \n\nIn response, Resurgent Capital Services provided only copies of credit card statements from the original creditor. However, they did not provide the following critical elements necessary for proper validation : A complete chain of assignment, including all Bills of Sale or other documentation showing the legal transfer of the alleged debt to Resurgent Capital Services. \n\nDocumentation proving that my specific account was included in the portfolio they purchased. \n\nA copy of the original agreement or application showing my liability for the alleged debt. \n\nAn itemized breakdown of the total amount claimed, including interest and fees. \n\nI made it clear in my letter that validation of ownership and full verification of the debt were required before any further collection efforts. Despite this, Resurgent Capital Services has continued to pursue collection activities without meeting their legal obligation under the FDCPA to properly validate the debt. \n\nThis behavior is deceptive and misleading, and it violates my consumer rights under federal law. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate regulatory action against Resurgent Capital Services. \n\nThank you for your time and attention to this matter.","date_sent_to_company":"2025-07-23T19:10:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32303","tags":null,"has_narrative":true,"complaint_id":"14835925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-07-23T19:09:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["However, they did not provide the following critical elements necessary for <em>proper</em> <em>validation</em> : A complete <em>chain</em> of assignment, <em>including</em> all Bills of Sale or other documentation showing the legal transfer of the alleged <em>debt</em> to Resurgent Capital Services. \n\nDocumentation proving that my specific account was included in the portfolio they <em>purchased</em>. \n\nA copy of the original agreement or application showing my liability for the alleged <em>debt</em>."]},"sort":[26.847084,"14835925"]},{"_index":"complaint-public-v1","_id":"16678292","_score":25.837996,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/year> Radius Global Solutions LLC RE : Debt Validation I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.\n\nI dispute the validity of this debt and request that you provide the following information : 1. A copy of the original contract or original purchase agreement that created the alleged debt period if the original contract is sent, it must includes signatures for all parties any agreements sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. \n\n2. In addition please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.\n\n3. Also include a full accounting history from the original creditor including the date and amount of each payment on the Date of First Delinquency leading to the collection status. \n\n\nXXXX. If any interest or fees have occurred or been added onto the balance please send proof that such fees are lawful and agreed upon in the original purchase agreement. \n\n5. Proof that you are legally allowed to collect on alleged debts in the state of California including your third party debt collection bond.\n\n6. Also send proof that you sent the legally required notices to me before reporting the alleged debt to any consumer reporting agency including copies of the original notice any letter tracking your firm maintains. FTC XXXX XXXX XXXX makes clear that it depth parking without proper notice this is a violation of consumers rights. \n7. The original contract 8. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.\n\n9. Verification that you are licensed to collect debts in my state.\n\n10. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.\n\n11. A complete payment history, detailing all payments made and any credits applied to the account. \n12. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.\n\n13. A record of the original account number.\n\n14. The original name of the creditor.\n\n15. The date the account was opened.\n\n16. The date the last payment on that account was made.\n\n17. The amount of the original debt.\n\n18. An itemized statement showing the full history of the account.\n\n19. The amount of purchase that Radius Global Solutions LLC made for this account. \nPlease note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. \nPlease provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. If your office 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 file and a copy of such deletion request shall be sent to me immediately.","date_sent_to_company":"2025-10-19T05:51:36.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"93309","tags":null,"has_narrative":true,"complaint_id":"16678292","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2025-10-19T05:47:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Failure to do so will result in my assumption that this <em>debt</em> is not valid, and I will <em>take</em> <em>appropriate</em> action to protect my rights. If your office fails to respond to this <em>validation</em> request within 30 days from the date of your receipt all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately."],"product":["<em>Debt</em> collection"]},"sort":[25.837996,"16678292"]},{"_index":"complaint-public-v1","_id":"18208596","_score":25.362772,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this formal complaint against Fair Collections and Outsourcing , Inc. ( FCO ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to their failure to properly validate an alleged debt they claim to have purchased from the original creditor. Failure to Validate Debt 15 U.S.C. 1692gPursuant to 15 U.S.C. 1692g ( b ), upon timely written request, a debt collector is required to cease all collection activity until it provides proper validation of the alleged debt. Despite my lawful request, Fair Collections and Outsourcing , Inc. has failed to provide competent and legally sufficient validation, including but not limited to : Verification of the date the alleged debt was sold or transferred the purchase amount paid by Fair Collections and Outsourcing , Inc. A copy of the purchase or assignment agreement, signed by all parties, demonstrating a complete chain of title and lawful transfer of ownership of the alleged debt without this documentation, Fair Collections and Outsourcing, Inc. can not establish that it has legal standing or authority to collect this debt false, Misleading, and Deceptive Representations 15 U.S.C . 1692eBy continuing to report and attempt to collect this debt without providing proof of ownership or accurate transactional details, Fair Collections and Outsourcing , Inc. is engaging in false and misleading representations in violation of 15 U.S.C. 1692e, including misrepresenting the character, legal status, and ownership of the alleged obligation. Failure to Furnish Accurate Information 15 U.S.C. 1681s-2Fair Collections and Outsourcing, Inc. is also violating 15 U.S.C. 1681s-2 ( a ) and ( b ) by furnishing unverified, incomplete, and potentially inaccurate information to consumer reporting agencies. Furnishing data without confirming ownership, acquisition date, and purchase amount fails the FCRAs requirement for accuracy, completeness, and reasonable investigation after dispute. Demand for Deletion If Fair Collections and Outsourcing , Inc. is unable to produce a copy of the purchase agreement clearly identifying the purchase amount and date of sale within thirty ( 30 ) days, the account must be deleted from all consumer reporting agencies as unverifiable and inaccurate. Continued reporting without such proof constitutes willful noncompliance with federal law. Requested CFPB Action I respectfully request that the Consumer Financial Protection Bureau : Investigate Fair Collections and Outsourcing, Inc.s debt validation and reporting practices Require documentary proof of ownership and lawful collection authority Enforce deletion of the account if proper validation can not be produced Take any additional enforcement or corrective action deemed appropriate. Thank you for your attention to this matter and for protecting consumers from unlawful debt collection and credit reporting practices. Respectfully, XXXX XXXX","date_sent_to_company":"2025-12-21T22:17:28.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"20774","tags":"Servicemember","has_narrative":true,"complaint_id":"18208596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-12-21T21:31:16.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Requested CFPB Action I respectfully request that the Consumer Financial Protection Bureau : Investigate Fair Collections and Outsourcing, Inc.s <em>debt</em> <em>validation</em> and reporting practices Require documentary proof of ownership and lawful collection authority Enforce deletion of the account if <em>proper</em> <em>validation</em> can not be produced <em>Take</em> any additional enforcement or corrective action deemed <em>appropriate</em>."],"product":["<em>Debt</em> collection"],"sub_product":["Rental <em>debt</em>"]},"sort":[25.362772,"18208596"]},{"_index":"complaint-public-v1","_id":"9494738","_score":24.980951,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint Against Nationwide Capital Services LLC also know as Structured Settlement acct : XXXX, opened : XX/XX/year>, highest balance {$590.00} Regarding Fair Debt Collection Practices Act Violation Dear CFPB, I am writing to file a complaint against [ Nationwide Capital Services ] and [ XXXX XXXX XXXXXXXX ] for violating the Fair Debt Collection Practices Act ( FDCPA ). \nThese debt collectors placed a collection items on my credit report without providing me with the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they did not give me a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). \nThese actions constitute deceptive means of debt collection as they furnished information to credit reporting agencies without proper disclosure, in violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-5 2 ( 7 ) ( a ).\n\nI request that the CFPB investigate this matter and take appropriate action against the debt collector. Due to investigation I am also requesting debt validation information from the collection agency, including : * An explanation of the alleged account balance * A complete breakdown of the account balance, including a payment history * Documentation of my agreement to pay the debt ( including signature ) * Documentation of my permission to report the debt on my credit report * A copy of the purchase agreement that grants them the right to collect * A copy of their state license number authorizing them to collect in your state * Chain of custody documentation for the debt I have not provided any consent to the collection agency, and using my social security number without my permission may be considered identity theft. I will report them to the appropriate authorities if they fail to provide the requested information. \nThank you for your time and attention to this matter. \nSincerely,","date_sent_to_company":"2024-07-17T20:59:00.000Z","issue":"Written notification about debt","sub_product":"Payday loan debt","zip_code":"40503","tags":null,"has_narrative":true,"complaint_id":"9494738","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nationwide Capital Services, LLC","date_received":"2024-07-13T23:39:40.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I request that the CFPB investigate this matter and <em>take</em> <em>appropriate</em> action against the <em>debt</em> collector."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Payday loan <em>debt</em>"]},"sort":[24.980951,"9494738"]},{"_index":"complaint-public-v1","_id":"9494312","_score":24.980951,"_source":{"product":"Debt collection","complaint_what_happened":"Re : Aldous and Associates acct : XXXX, opened XX/XX/2020, highest balance {$100.00} Regarding Fair Debt Collection Practices Act Violation Dear CFPB, I am writing to file a complaint against Aldous and Associates for violating the Fair Debt Collection Practices Act ( FDCPA ). \nThese debt collectors placed a collection items on my credit report without providing me with the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they did not give me a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).\n\nThese actions constitute deceptive means of debt collection as they furnished information to credit reporting agencies without proper disclosure, in violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-5 2 ( 7 ) ( a ).\n\nI request that the CFPB investigate this matter and take appropriate action against the debt collector. Due to investigation I am also requesting debt validation information from the collection agency, including : * An explanation of the alleged account balance * A complete breakdown of the account balance, including a payment history * Documentation of my agreement to pay the debt ( including signature ) * Documentation of my permission to report the debt on my credit report * A copy of the purchase agreement that grants them the right to collect * A copy of their state license number authorizing them to collect in your state * Chain of custody documentation for the debt I have not provided any consent to the collection agency, and using my social security number without my permission may be considered identity theft. I have report them to the appropriate authorities, they fail to provide the requested information. Due to investigation purposes, I ask that the above collectors do not reach out to me in no form of communication, through text/phone/emails. \n\nThank you for your time and attention to this matter.","date_sent_to_company":"2024-07-13T23:08:23.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"40503","tags":null,"has_narrative":true,"complaint_id":"9494312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldous & Associates, PLLC","date_received":"2024-07-13T22:14:00.000Z","state":"KY","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Due to investigation I am also requesting <em>debt</em> <em>validation</em> information from the collection agency, <em>including</em> : * An explanation of the alleged account balance * A complete breakdown of the account balance, <em>including</em> a payment history * Documentation of my agreement to pay the <em>debt</em> ( <em>including</em> signature ) * Documentation of my permission to report the <em>debt</em> on my credit report * A copy of the <em>purchase</em> agreement that grants them the right to collect * A copy of their state license number authorizing"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Other <em>debt</em>"]},"sort":[24.980951,"9494312"]},{"_index":"complaint-public-v1","_id":"11744159","_score":24.587755,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding an identity theft dispute with XXXX XXXX XXXX XXXX and XXXX. Despite multiple attempts to request validation of the alleged debt and follow proper dispute procedures, I have not received the required documentation, and XXXX has improperly verified this fraudulent account. \n\nXXXX of Events : XXXX. Initial Contact with CFPB : I initially reached out to the CFPB regarding a fraudulent account appearing on my credit report. \nThe company responded with general instructions on how to dispute the account. \nXXXX. Following Instructions & Lack of XXXX : I emailed the company on XX/XX/XXXX, per their instructions, requesting proper validation of the alleged debt. \nI never received a response. \nXXXX. Certified Mail Request : I sent a certified letter to the company on XX/XX/XXXX, which they received on XX/XX/XXXX. \nMy letter requested competent evidence validating the alleged debt, including : A copy of the original contract or purchase agreement that created this alleged debt, including all terms, conditions, addendums, and riders. \nProof of chain of ownership from the original creditor to the current alleged owner. \nA full accounting history from the original creditor, including all payments, the date of first delinquency, and any fees or interest added ( with proof of lawfulness ). \nProof of legal authority to collect this debt in my state. \nProof that legally required notices were sent to me before reporting this alleged debt to consumer reporting agencies. This includes copies of the original notice and any internal letter tracking. ( FTC v. XXXX XXXX XXXX establishes that debt parking without proper notice violates consumer rights. ) Instead of providing the requested documentation, the company only sent a ledger and a fraudulent lease, which do not constitute proper validation. \nXXXX. Dispute with XXXX & Improper Verification : I disputed this fraudulent account with XXXX on XX/XX/XXXX. \nThe company responded by verifying the account without providing any of the legally required documentation. \nXXXX has refused to explain how they verified this debt, even after I confirmed that this is a case of identity theft. \n\nIssues & Request for Resolution : The company has failed to provide competent evidence validating the alleged debt, despite multiple formal requests. \nXXXX has improperly verified this fraudulent account without conducting a proper investigation. \nThe companys actions, including failure to provide required notices, XXXX constitute violations of consumer protection laws ( including debt parking as addressed in FTC XXXX XXXX XXXX XXXX ). \nThis fraudulent account is negatively impacting my credit, and I need it removed immediately. \n\nRequested Action : I request that the CFPB : XXXX. Investigate the companys failure to provide legally required validation of the alleged debt. \nXXXX. Require XXXX to provide documentation supporting their verification process. \nXXXX. Ensure that this fraudulent account is permanently removed from my credit report. \nXXXX. Determine whether the companys actions violate consumer protection laws and take appropriate enforcement action. \n\nI have attached supporting documentation, including email records, certified mail receipts, and dispute filings.","date_sent_to_company":"2025-03-03T20:42:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"20746","tags":"Servicemember","has_narrative":true,"complaint_id":"11744159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-01-24T15:54:54.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["My letter requested competent evidence <em>validating</em> the alleged <em>debt</em>, <em>including</em> : A copy of the original contract or <em>purchase</em> agreement that created this alleged <em>debt</em>, <em>including</em> all terms, conditions, addendums, and riders. \nProof of <em>chain</em> of ownership from the original creditor to the current alleged owner. \nA full accounting history from the original creditor, <em>including</em> all payments, the date of first delinquency, and any fees or interest added ( with proof of lawfulness )."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"company":["A/KA Columbia <em>Debt</em> Recovery, LLC d/b/a Genesis"],"sub_product":["Rental <em>debt</em>"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[24.587755,"11744159"]},{"_index":"complaint-public-v1","_id":"19206741","_score":23.750677,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in connection with an alleged account they claim to own and collect. \nThis company has willfully altered the date of last activity and re-aged the account on my credit report to make it appear newer than it actually is. This deceptive practice is a clear violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ) of the FCRA, which prohibit furnishers from reporting inaccurate or misleading information to credit reporting agencies. \nFurthermore, I made a written request for full validation of the debt, including : The complete chain of title, showing ownership from the original creditor to the present collector, A copy of the purchase agreement or bill of sale, and Proof that this company has legal standing to collect or report the account. \n\n\nInstead of providing these documents, I only received generic billing statements, which do not prove ownership or assignment of the alleged debt. This failure violates 15 U.S.C. 1692g ( b ) of the FDCPA, which requires a collector to cease collection activities until full and proper validation is provided. \nAdditionally, continuing to report, verify, or update this account with altered information after my dispute constitutes : A violation of 15 U.S.C. 1692e ( 8 ) ( communicating false credit information ), A violation of 15 U.S.C. 1692f ( use of unfair and unconscionable means to collect a debt ), and A violation of 15 U.S.C. 1681s-2 ( b ) for failing to conduct a reasonable reinvestigation after receiving notice of dispute.\n\nI am requesting that the CFPB : Conduct a full investigation into this collection agencys reporting and validation practices ; Compel the company to provide complete documentation of ownership and chain of title ; Require immediate correction and removal of any inaccurate, re-aged, or unverifiable information from all credit reports ; and Take enforcement action if these violations are confirmed. \n\n\nI have enclosed copies of my dispute letters, the collectors responses, and credit report screenshots showing the date changes. \nThank you for your attention to this matter. I trust your office will take appropriate action to hold this company accountable for its continued noncompliance with federal law.","date_sent_to_company":"2026-03-11T20:22:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10472","tags":null,"has_narrative":true,"complaint_id":"19206741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-10-16T12:26:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, I made a written request for full <em>validation</em> of the <em>debt</em>, <em>including</em> : The complete <em>chain</em> of title, showing ownership from the original creditor to the present collector, A copy of the <em>purchase</em> agreement or bill of sale, and Proof that this company has legal standing to collect or report the account. \n\n\nInstead of providing these documents, I only received generic billing statements, which do not prove ownership or assignment of the alleged <em>debt</em>."]},"sort":[23.750677,"19206741"]},{"_index":"complaint-public-v1","_id":"15634921","_score":23.60379,"_source":{"product":"Debt collection","complaint_what_happened":"This notice serves as a formal dispute of a debt your company claims to own or collect on. I do not acknowledge this alleged debt as valid and demand strict proof of your authority to collect under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and Regulation F, 12 CFR 1006. Pursuant to 12 CFR 1006.34 ( c ) and 1692g ( b ), I request the following : Complete validation of the alleged debt, including : A full itemization showing the original balance, interest, fees, payments, and credits ; The full name and address of the original creditor ; Date of default or charge-off. Proof of ownership and legal right to collect, including : A complete chain of title or assignment history from the original creditor to Springs Oak Capital ; Copies of purchase agreements, contracts of assignment, or bills of sale ; A copy of the original signed agreement or credit application that created the alleged obligation. Proof of proper debt notification in accordance with 12 CFR 1006.34 ( a ) including whether you sent a validation notice within five ( 5 ) days of your initial communication. Absent this documentation, you are not legally authorized to pursue collection or credit reporting activities. Any continued attempt to collect without sufficient proof of ownership and authority will be deemed a willful violation of : 15 U.S.C. 1692e false or misleading representations ; 15 U.S.C. 1692f unfair or unconscionable means to collect a debt ; 12 CFR 1006.18 deceptive representations about legal status or authority. Intent to Litigate If your office can not provide full validation and documentation within 15 business days, I will take legal action to : Seek declaratory relief that the debt is invalid or uncollectible, Pursue damages for violations of the FDCPA, Regulation F, and applicable state consumer protection statutes, Demand injunctive relief including tradeline deletion and cessation of collection. In addition, I have preserved my right to compel arbitration or file a civil action in state or federal court as appropriate. You are hereby placed on notice that failure to comply may result in formal legal proceedings. If no sufficient response is received, your silence will be treated as failure to validate, and I will proceed accordingly.","date_sent_to_company":"2025-08-31T21:48:08.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"15634921","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-08-31T21:41:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Proof of <em>proper</em> <em>debt</em> notification in accordance with 12 CFR 1006.34 ( a ) <em>including</em> whether you sent a <em>validation</em> notice within five ( 5 ) days of your initial communication. Absent this documentation, you are not legally authorized to pursue collection or credit reporting activities."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[23.60379,"15634921"]},{"_index":"complaint-public-v1","_id":"14927866","_score":23.584103,"_source":{"product":"Debt collection","complaint_what_happened":"This letter serves as a formal dispute of a debt your company claims to own or collect on. I do not acknowledge this alleged debt as valid and demand strict proof of your authority to collect under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and Regulation F, 12 CFR 1006.\n\nPursuant to 12 CFR 1006.34 ( c ) and 1692g ( b ), I request the following : Complete validation of the alleged debt, including : A full itemization showing the original balance, interest, fees, payments, and credits ; The full name and address of the original creditor ; Date of default or charge-off. \n\nProof of ownership and legal right to collect, including : A complete chain of title or assignment history from the original creditor to Springs Oak Capital ; Copies of purchase agreements, contracts of assignment, or bills of sale ; A copy of the original signed agreement or credit application that created the alleged obligation. \n\nProof of proper debt notification in accordance with 12 CFR 1006.34 ( a ) including whether you sent a validation notice within five ( 5 ) days of your initial communication.\n\nAbsent this documentation, you are not legally authorized to pursue collection or credit reporting activities. Any continued attempt to collect without sufficient proof of ownership and authority will be deemed a willful violation of : 15 U.S.C. 1692e false or misleading representations ; 15 U.S.C. 1692f unfair or unconscionable means to collect a debt ; 12 CFR 1006.18 deceptive representations about legal status or authority.\n\nIntent to Litigate If your office can not provide full validation and documentation within 15 business days, I will take legal action to : Seek declaratory relief that the debt is invalid or uncollectible, Pursue damages for violations of the FDCPA, Regulation F, and applicable state consumer protection statutes, Demand injunctive relief including tradeline deletion and cessation of collection.\n\nIn addition, I have preserved my right to compel arbitration or file a civil action in state or federal court as appropriate. You are hereby placed on notice that failure to comply may result in formal legal proceedings.\n\nIf no sufficient response is received, your silence will be treated as failure to validate, and I will proceed accordingly.","date_sent_to_company":"2025-07-28T18:38:32.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"37076","tags":null,"has_narrative":true,"complaint_id":"14927866","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-07-28T18:02:29.000Z","state":"TN","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Proof of <em>proper</em> <em>debt</em> notification in accordance with 12 CFR 1006.34 ( a ) <em>including</em> whether you sent a <em>validation</em> notice within five ( 5 ) days of your initial communication.\n\nAbsent this documentation, you are not legally authorized to pursue collection or credit reporting activities."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"]},"sort":[23.584103,"14927866"]},{"_index":"complaint-public-v1","_id":"17957058","_score":22.538298,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX ( XXXX ) XXXX TrueAccord Corp XXXX XXXX XXXX XXXX, XXXX XXXX Re : FINAL NOTICE IMMEDIATE DEMAND FOR FULL DEBT VALIDATION Potential Litigation for Violations of Federal and State Law To Whom It May Concern, This letter serves as your final and formal demand to provide full, lawful validation of the alleged debt you claim is owed. I dispute this debt entirely. \n\nYour previous communications have been legally insufficient, misleading, and non-compliant, and if this continues, I will take direct legal action against TrueAccord Corp for violations of : The Fair Debt Collection Practices Act ( FDCPA ) The Fair Credit Reporting Act ( FCRA ) Any and all applicable state consumer protection statutes Civil tort liability for harassment, negligent misrepresentation, and unlawful collection practices If you choose to pursue unlawful collection activity, you will be sued. Consider this your final opportunity to comply with federal law. \n\n\n\nMANDATORY DOCUMENTATION REQUIREDNO EXCEPTIONS You will produce ALL of the following documents. Partial or generic responses WILL NOT be accepted : 1. Original Signed Purchase Agreement Provide the complete original contract, purchase agreement, or sales agreement bearing my genuine signature, plus every addendum, amendment, or rider. \n\n2. Complete Chain of Assignment / Chain of Title You must provide a full chronological chain demonstrating legal ownership of this alleged debt from the original creditor to your possession, including : Each bill of sale Each assignment document Proof my specific account was includednot a vague portfolio reference Names, addresses, and legal authority of every entity that handled the account Failure to produce a full chain of title renders any collection action fraudulent and immediately actionable. \n\n3. Full Itemized Accounting You must supply a complete, precise accounting of : Original principal Interest calculations Fees, penalties, and legal basis for each charge Proof of compliance with state-specific lending and interest laws I will not accept summary sheets or unverifiable spreadsheets.\n\n4. Proof of Your Legal Right to Collect Provide : A copy of your collection license for my state Proof of authorization from the current alleged creditor Name and address of the actual current owner of the alleged debt 5. Proof the Alleged Debt Is Not Time-Barred Supply the date of alleged default along with the statute of limitations used to justify collection efforts.\n\nIMMEDIATE CEASE & DESIST Until you fully validate this alleged debt, you are hereby ordered to : Cease all phone calls Cease all emails Cease all letters demanding payment Cease all threats or attempts at legal action Cease any reporting or furnishing of information to any credit bureau Any further collection activity before providing proper validation is a direct violation of federal law and will be documented for litigation. \n\n\n\nCREDIT REPORTING WARNING If you have reported ( or continue reporting ) this disputed, unvalidated debt : You must immediately mark it as disputed You must suspend reporting until validation is complete You must remove any prior reporting if the debt can not be validated Failure to do so will be met with legal action for willful FCRA violations, which carry statutory, actual, and punitive damages. \n\n\n\nLEGAL NOTICE If you fail to provide complete validation within 30 days, or if you continue collection activity without fulfilling your legal obligations, I will : 1. File suit in the appropriate court 2. Seek statutory damages, actual damages, punitive damages, and legal fees 3. Report your violations to state and federal regulatory agencies 4. Pursue all remedies available to me under law I am fully prepared to document and present every violation you commit. \n\n\n\nAll communication must occur in writing only. Any phone contact will be treated as intentional harassment and added to the lawsuit. \n\nYou have been warned. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-26T21:56:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"96786","tags":null,"has_narrative":true,"complaint_id":"17957058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TrueAccord Corp.","date_received":"2025-11-26T21:51:01.000Z","state":"HI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Complete <em>Chain</em> of Assignment / <em>Chain</em> of Title You must provide a full chronological <em>chain</em> demonstrating legal ownership of this alleged <em>debt</em> from the original creditor to your possession, <em>including</em> : Each bill of sale Each assignment document Proof my specific account was includednot a vague portfolio reference Names, addresses, and legal authority of every entity that handled the account Failure to produce a full <em>chain</em> of title renders any collection action fraudulent and immediately actionable."]},"sort":[22.538298,"17957058"]},{"_index":"complaint-public-v1","_id":"7357345","_score":21.918335,"_source":{"product":"Debt collection","complaint_what_happened":"Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Cease and Desist Letter Account Number : XXXX Dear Sir/Madam, I am writing this letter in response to your recent communication regarding an alleged debt associated with account number XXXX. I must assert that I dispute the validity of this debt and demand that you immediately cease all collection attempts on the alleged account. \nAs per the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the law to request that you provide proper validation of this debt. Until such validation is provided, all collection activities must cease, and no further contact should be made with me or any third parties regarding this matter. \nUnder the FDCPA, you are required to provide me with the following information to validate the alleged debt : The amount of the debt claimed, The name of the original creditor, A statement confirming that you are authorized to collect on this alleged debt, The complete payment history of the alleged debt, including details of all charges and interest added, A copy of any written agreement or contract bearing my signature, binding me to this alleged debt, Proof that you are licensed to collect debts in the state of Indiana, where I reside, A complete breakdown of how the total amount claimed was calculated, Proof of your ownership of the alleged debt, including the chain of title from the original creditor to Source Receivables Management, The date the alleged debt was incurred, and Any other documentation that supports your claim of the alleged debt. \nFurthermore, I demand that you provide evidence that I gave written consent for the disclosure of my personal information to Source Receivables Management when you purchased this alleged debt. As per the FDCPA, you are prohibited from disclosing or communicating any information regarding the alleged debt to any third party without obtaining the consumer 's prior consent, which must be in writing. \nI am aware that Source Receivables Management does not have a license to collect debts in the state of Indiana, and your attempts to collect a debt without the appropriate license are a violation of state law. According to the FDCPA, it is unlawful for debt collectors to engage in any deceptive, unfair, or abusive practices in connection with the collection of a debt. \nIf you are unable to provide the requested validation and evidence of my written consent within 30 days from the date of your receipt of this letter, I demand that you immediately cease all collection activities related to this alleged debt. Furthermore, I insist that you delete any negative reporting associated with this alleged debt from my credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). \nFailure to comply with this request will be considered a willful violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. \nPlease be advised that I am keeping detailed records of all communications, and any further contact made in violation of the FDCPA will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General of North Carolina. \nYour prompt attention to this matter is expected. I request that you respond to this letter within 30 days from the date of receipt. Failure to do so will be considered a refusal to validate the debt, and I will proceed accordingly to protect my rights. \nThank you for your immediate attention to this matter.","date_sent_to_company":"2023-08-06T14:25:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"46815","tags":null,"has_narrative":true,"complaint_id":"7357345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Source Receivables Management LLC","date_received":"2023-08-06T14:23:15.000Z","state":"IN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As per the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), I am exercising my rights under the law to request that you provide <em>proper</em> <em>validation</em> of this <em>debt</em>. Until such <em>validation</em> is provided, all collection activities must cease, and no further contact should be made with me or any third parties regarding this matter."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[21.918335,"7357345"]},{"_index":"complaint-public-v1","_id":"9839220","_score":21.031757,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by SPRING OAKS CAPITAL LLC against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ). Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt. Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt. Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : 1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. \nThe Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report. Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. \nSpecifically, I am seeking : XXXX. Verification and correction of the inaccurate information reported to consumer reporting agencies. \nXXXX. Detailed list of payments I made on this debt XXXX. Insurance claims claim filed on this debt XXXX. Signature I put on contract guaranteeing that I will pay Spring Oak Capital, LLC XXXX. Proof of chain of title to collect on this debt XXXX Requesting a purchase agreement between the collection agency, the original creditor myself, requested information needed within 15 days. Still have not received it. Proof of chain of title to collect on this debt","date_sent_to_company":"2024-08-19T00:35:58.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"30350","tags":null,"has_narrative":true,"complaint_id":"9839220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2024-08-18T23:59:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Proof of <em>chain</em> of title to collect on this <em>debt</em> XXXX Requesting a <em>purchase</em> agreement between the collection agency, the original creditor myself, requested information needed within 15 days. Still have not received it. Proof of <em>chain</em> of title to collect on this <em>debt</em>"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"]},"sort":[21.031757,"9839220"]},{"_index":"complaint-public-v1","_id":"17760235","_score":19.86913,"_source":{"product":"Debt collection","complaint_what_happened":"I write to you as a Florida resident and an XXXX servicemember of the United States XXXX XXXX XXXX I am formally disputing the alleged debt that you claim I owe and demanding full validation pursuant to the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901 et seq., and applicable Florida law, including the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. XXXX, and the licensing provisions enforced by the XXXX  Office of Financial Regulation ( OFR ). \n\nThis letter is not an admission of liability. It is a lawful demand for proof and compliance.\n\n1. Debt Validation and Documentation Demanded Under 15 U.S.C. 1692g ( b ), once I dispute the debt in writing, you must cease collection efforts until you provide proper validation. Accordingly, you are required to provide the following : 2. Complete, legible copy of the original Purchase Agreement A signed copy of any purchase agreement, retail installment contract, credit agreement, or other contract purportedly binding me to this alleged obligation. \n\nThis must show : My name and identifying information, The date of the transaction, The original creditor, The terms and conditions ( interest rate, fees, payment schedule, etc. ). \n\n\n3. Itemization and Total Amount of the Alleged Debt A detailed itemized statement showing : The original principal amount, All interest, All fees, penalties, or other charges, Any payments or credits applied, The current balance you claim is owed.\n\nPlease include the date the alleged debt went into default and how you calculated the current balance.\n\n3. Identity of the Current Creditor The full legal name and address of the current creditor to whom you allege the debt is owed. \n\nA clear explanation of any assignment or transfer of the debt from the original creditor to the current alleged creditor.\n\n4. Verification That the Statute of Limitations Has Not Expired Written confirmation that the alleged debt is within the applicable statute of limitations under Florida law, including : The date of the last payment, The date of first default, The specific statute of limitations you rely on, and Your legal basis for asserting that the alleged debt is still legally enforceable in Florida.\n\nBe advised that attempting to collect or threaten legal action on a debt that is time-barred may constitute a deceptive or unfair practice under both the FDCPA and FCCPA.\n\n5. Proof of Your Legal Authority to Collect This Debt A complete copy of any agreement, assignment, or purchase/sale agreement between you and the original creditor ( or any intermediary debt buyer ) that authorizes Absolute Resolution, LLC to collect this specific debt in its own name. \n\nThis must show a clear chain of title from the original creditor to you.\n\n2. Florida Licensing and Registration Potential Noncompliance I have checked the XXXX  Office of Financial Regulations public records and I do not see Absolute Resolution, LLC listed as registered or licensed to collect debts in the State of Florida. \n\nUnder Florida law, entities engaged in debt collection activity in this state generally must comply with applicable registration, licensing, and regulatory requirements. Attempting to collect debts within Florida without proper authorization may violate the Florida Consumer Collection Practices Act ( Fla. Stat. 559.55 et seq. ) and other Florida regulatory provisions. \n\nAccordingly, provide : Your full legal corporate name, Your principal business address, Your Florida consumer collection agency license number and any other relevant registration/licensing information, Copies of any licenses or authorizations that you contend allow you to lawfully collect debts from Florida residents XXXX \n\n\nIf you can not provide proof that you are properly licensed/registered and authorized to collect debts in Florida, you must immediately cease all collection activities on this account and remove any negative credit reporting you have made regarding this alleged debt. \n\n\n3. Servicemembers Civil Relief Act ( SCRA ) Protections As noted above, I am on XXXX XXXX military status. Under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3901 et seq. ), certain protections apply, including but not limited to : Restrictions on default judgments against servicemembers, Certain protections relating to interest rates and enforcement actions, and A heightened obligation on creditors and collectors to handle servicemember accounts in a lawful and non-abusive manner. \n\n\nYou are hereby put on formal notice of my SCRA status. Any attempt to secure a judgment, garnish wages, or take other adverse action without complying with SCRA requirements will be considered a serious violation and may be reported to the appropriate authorities, including but not limited to state and federal regulators and, if necessary, military legal assistance and the XXXX XXXX XXXX office. \n\n\n4. Cease Collection Pending Validation / Communications Limits Until you have fully complied with this demand and provided all requested documents : You must cease all collection efforts on this account, as required by 15 U.S.C. 1692g ( b ).\n\nYou may not sell, transfer, or assign this alleged debt to another party without noting that it is disputed and validation has been requested but not provided. \n\nYou are not authorized to contact me by telephone at inconvenient times or in a harassing manner. Written communication by mail is preferred so that there is a clear record of all interactions. \n\n\nIf you can not validate this alleged debt with the requested documentation, you must : 1. Cease all collection attempts permanently ; 2. Delete and remove any negative or derogatory information you have reported to any consumer reporting agencies ( credit bureaus ) ; and 3. Send me written confirmation that you have done so.\n\n5. Notice of Recordkeeping and Potential Complaints Please be advised that I am keeping detailed records of all correspondence and communications from you, including dates, times, and the content of any phone calls and letters.\n\nIf you fail to comply with this validation request, continue collection efforts without proper validation, or if you are found to be operating without proper authorization in the State of Florida, I reserve the right to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), File complaints with the XXXX  Office of Financial Regulation and the Florida Attorney General, Assert claims under the FDCPA, the FCCPA, the SCRA, and any other applicable federal or state laws, Seek damages, attorneys fees, and costs to the fullest extent allowed by law. \n\n\nPlease respond to this complaint in writing within 30 days of receipt and provide all requested documents and information. If you are unable or unwilling to provide proper validation, you must immediately cease any further communication about this alleged debt, other than to confirm in writing that the account has been closed and any related credit reporting has been deleted.","date_sent_to_company":"2025-12-05T00:32:59.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"322XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17760235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Absolute Resolutions Corp.","date_received":"2025-12-05T00:20:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["<em>Debt</em> <em>Validation</em> and Documentation Demanded Under 15 U.S.C. 1692g ( b ), once I dispute the <em>debt</em> in writing, you must cease collection efforts until you provide <em>proper</em> <em>validation</em>. Accordingly, you are required to provide the following : 2. Complete, legible copy of the original <em>Purchase</em> Agreement A signed copy of any <em>purchase</em> agreement, retail installment contract, credit agreement, or other contract purportedly binding me to this alleged obligation."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[19.86913,"17760235"]},{"_index":"complaint-public-v1","_id":"18701276","_score":19.631094,"_source":{"product":"Debt collection","complaint_what_happened":"[ XXXX, XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Third-Party Debt Collector [ Credence Resource Management , LLC ] for Violations of Federal Consumer Financial Laws To the CFPB : I am writing to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX XXXX and the third-party debt collection agency, [ Credence Resource Management , LLC ] ( the Collector ) XXXX for systematic violations of my rights under multiple federal consumer protection laws. This complaint involves the unlawful sale of a consumer contract and subsequent attempted collection without validation or proof of a valid chain of title.\n\n1. Factual Background & Summary of Violations : I entered into a service contract with XXXX for wireless communications services. A dispute arose regarding the final bill. Without my knowledge, consent, or any contractual agreement on my part, XXXX sold or assigned this alleged debt to a third-party debt collector, [ Credence Resource Management , LLC ] . I have never signed any agreement with this Collector. \n\nThe Collector has now contacted me seeking payment. I have requested validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Furthermore, and central to this complaint, I have demanded that the Collector provide me with the Purchase Agreement or assignment documentation that proves they have the legal right to collect this debt, as the original contract was solely between myself and XXXX. They have failed to provide this critical proof of ownership/chain of title. \n\nXXXX sale of my contract under these circumstances, and the Collectors attempts to collect without validating the debt and proving legal standing, constitute a deceptive and abusive practice.\n\n2. Specific Legal Violations : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : The Collector is violating the FDCPA by ( 1 ) potentially failing to provide proper written validation under 1692g, and ( 2 ) engaging in deceptive practices by attempting to collect a debt without possessing and, upon request, furnishing documentation proving they are the lawful assignee with the right to collect. Collection without proof of assignment is a violation of the FDCPAs prohibition on false or misleading representations ( 1692e ) and unfair practices ( 1692f ).\n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 : Both XXXX and the Collector have engaged in UDAAPs. It is deceptive to sell and attempt to collect on a debt without the ability to document the chain of title to the consumer upon request. It is unfair to subject me to collection activities when the Collector can not prove it owns the specific debt it is trying to collect. It is abusive to take advantage of my lack of understanding regarding the validity of the assignment.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : If either XXXX or the Collector has furnished inaccurate information regarding this invalid or unverified debt to any consumer reporting agency, they have violated their duty to provide accurate information under the FCRA. An unreported or unverified assignment/sale renders the debt information inaccurate. \nUnfair or Deceptive Acts or Practices ( UDAP ) Laws & State Consumer Protection Acts : XXXX actions likely violate state UDAP statutes, which prohibit unfair and deceptive business practices in commerce, including the sale of a contract without clear disclosure and a valid underlying claim.\n\nTruth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. & Fair Credit Billing Act ( FCBA ) : While primarily for credit, these laws underscore the principle of accurate billing and the right to dispute. XXXX failure to resolve the underlying billing dispute properly before selling the alleged debt compounds the unfairness.\n\nUniform Commercial Code ( UCC ) Article 9 : The sale/assignment of an account ( the debt ) is governed by the UCC. A subsequent purchaser ( the Collector ) must be able to prove the chain of title. Requesting the Purchase Agreement is a request for proof that a valid assignment under the UCC took place.\n\nFederal Trade Commission Act & General Federal Consumer Law Principles : The actions described violate long-standing federal policy against deceptive and unfair trade practices in commerce.\n\n3. Consumer Relief Requested : I request that the CFPB investigate XXXX and the debt collector, [ Credence Resource Management , LLC ]. I specifically demand that the CFPB order : 1. The immediate cessation of all collection activities by the Collector until they provide full and proper validation of the debt as required by the FDCPA.\n\n2. That the Collector be required to produce to me and the CFPB the complete Purchase Agreement or assignment documentation that establishes their legal ownership of my specific debt from XXXX. Without this, they have no enforceable legal standing. \nXXXX. That XXXX be required to provide a full accounting of the sale and justify how it comports with UDAAP principles and its original contract with me.\n\n4. That all inaccurate information related to this invalidated debt be deleted from my consumer reports in compliance with the FCRA.\n\n5. Any other remedies the CFPB deems appropriate, including holding both parties accountable for violations of federal consumer financial laws.\n\nEnclosed/Attached Documents : Copies of any communications from XXXX regarding the final bill or debt sale.\n\nCopies of all letters and notices from the debt collector.\n\nCopies of my written requests for debt validation and the Purchase Agreement.\n\nA copy of my final XXXX bill/statement ( if available ).\n\nProof of my identity and the account in question.\n\nThis matter is causing significant distress and is a clear violation of my rights as a consumer. I trust the CFPB will take appropriate action. Please acknowledge receipt of this complaint and keep me informed of your investigation.\n\nSincerely, [ XXXX, XXXX, XXXX, XXXX ] [ XXXX, XXXX, XXXX, XXXX ] [ Credence Resource Management , LLC ] for Violations of Federal Consumer Financial Laws File # [ XXXX ] To the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) and the third-party debt collection agency, [ Name of Debt Collector, if known ] ( the Collector ), for multiple, serious violations of federal consumer protection laws. The core issues are : ( 1 ) the unlawful sale/assignment of my consumer contract without my consent, and ( 2 ) subsequent attempted collection activities based on invalid, unverified, and inaccurate information, including the use of an incorrect address.\n\n1. Factual Background & Summary of Violations : I was a customer of XXXX under a consumer service contract. A dispute arose concerning my final account balance. Critically, I never agreed to, nor signed any contract permitting, the sale or assignment of my account or any alleged debt to any third party. \n\nDespite this, XXXX sold or assigned this disputed account to the Collector. The Collector has now attempted to contact me, but has done so using an incorrect address, demonstrating they lack basic, accurate information about the account they are purporting to own. Upon receipt of their communication, I immediately sent a written request demanding two specific items : 1. Full validation of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ; and 2. The complete Purchase Agreement or assignment documentation proving a valid chain of title from XXXX to the Collector, establishing their legal standing to collect.\n\nTo date, the Collector has failed to provide either, yet may continue collection efforts. This entire process is rife with illegality.\n\n2. Specific Legal Violations by Both Entities : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : 1692g : The Collector is obligated to provide verification/validation of the debt upon my written request. Failure to do so and continuing collection activity is a violation.\n\n1692e : It is a false, deceptive, or misleading representation to imply a right to collect, or the legal status of a debt, when the Collector can not produce the Purchase Agreement proving ownership. Using an incorrect address further demonstrates a lack of reasonable procedures to ensure accuracy, a violation under this section.\n\n1692f : It is an unfair practice to attempt to collect a debt where the validity of the debt and the collector 's ownership of it are actively disputed and unproven.\n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 & CFPB Authority : Deceptive : XXXX deceived me by selling a disputed account under terms not present in our original contract. The Collector deceives by asserting a right to collect it can not document. \nUnfair : This practice causes substantial injury ( financial harassment, credit damage ) that I can not reasonably avoid, and which is not outweighed by any countervailing benefit. The injury is not hypothetical given the Collectors use of an incorrect address, risking improper disclosure and harm.\n\nAbusive : The Collector is taking advantage of my inability to protect my interests by demanding payment without proving it has the legal right to do so.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 : If XXXX or the Collector has furnished information about this invalid, disputed, and unverified debt to any consumer reporting agency ( CRA ), they have violated their duty to provide accurate information and to conduct a reasonable investigation upon dispute. An account sold without a verifiable chain of title is inherently inaccurate.\n\nUniform Commercial Code ( UCC ) Article 9 ( as adopted by state law ) : The sale of an account ( the debt ) is governed by UCC Article 9. My request for the Purchase Agreement is a demand for proof that a perfected, valid assignment occurred, establishing the Collector as the secured party with enforceable rights. Without this, their claim is legally deficient.\n\nTruth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. & Fair Credit Billing Act ( FCBA ) : While my contract was for services, the principles of accurate billing and the right to a good faith investigation of a billing dispute are foundational federal consumer protections. XXXX  sale of a disputed balance without resolution sidesteps these core rights. \nFederal Trade Commission Act ( FTC Act ) 5 & State UDAP Laws : The conduct described constitutes unfair and deceptive acts or practices in commerce under the broadest federal and state consumer protection statutes.\n\n3. Consumer Relief Requested : I request that the CFPB immediately investigate XXXX and [ Credence Resource Management , LLC ]. I demand the following actions : 1. Cease Collection : An order for the Collector to immediately and permanently cease all collection activities related to this account.\n\n2. Produce Documents : A CFPB order compelling the Collector to provide to me and the CFPB : Complete, legally sufficient validation of the debt per FDCPA 1692g.\n\nThe complete, executed Purchase Agreement or assignment documentation proving chain of title.\n\n3. Correct Information : An order requiring both XXXX and the Collector to correct all inaccurate information, including my address, and to delete all tradelines related to this account from any and all consumer reports, per the FCRA. \nXXXX. Investigate XXXX : A full investigation into XXXX practice of selling disputed consumer contracts without explicit contractual consent and its compliance with UDAAP principles. \nXXXX. Remedies : Any other penalties, fines, or consumer redress the CFPB deems appropriate for these violations of federal consumer financial laws. \n\nEnclosed/Attached Documents : Copies of my XXXX contract and final billing statements. \nCopies of all communications from the debt collector ( showing incorrect address ). \nA copy of my written request to the Collector for validation and the Purchase Agreement.\n\nProof of my current, correct address.\n\n[ Any other relevant correspondence ].\n\nThis matter is causing significant distress and represents a fundamental breach of consumer trust and law. I appreciate your prompt attention and action. \n\nXXXX. Factual Background & Summary of Violations : I was a customer of XXXX under a consumer service contract. A dispute arose concerning my final account balance. Critically, I attempted to resolve this balance by tendering a valid form of legal payment, which XXXX wrongfully refused to accept. Subsequently, and without any contractual authority or my consent, XXXX sold/assigned this disputed account to the Collector. \n\nI have never had any agreement with this Collector. Their initial contact used an incorrect address, proving they lack fundamental, accurate data. My services with XXXX have been terminated since [ Last Year ], causing ongoing injury. Upon learning of the collection, I sent a written request demanding : 1 ) Full validation of the alleged debt under the FDCPA ; and 2 ) The complete PURCHASE AGREEMENT proving a valid chain of title. The Collector has failed to comply, yet continues its unlawful collection efforts.\n\n2. Specific Legal Violations & Demands for Remedies : The actions of XXXX  and the Collector constitute a cascade of violations under the following frameworks, for which I demand the CFPB seek the maximum available penalties and consumer redress : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : 1692g : Failure to provide validation upon written request.\n\n1692e : Making false, deceptive, or misleading representations by implying a right to collect without proof of ownership ( the Purchase Agreement ) and using an incorrect address.\n\n1692f : Engaging in unfair and unconscionable practices by collecting a debt that is disputed and unverified, and where the original creditor refused valid payment.\n\n1692k : I seek statutory damages of up to {$1000.00} per violation, actual damages for emotional distress, and costs/fees for these willful and knowing violations.\n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 & CFPB Authority : XXXX refusal of legal tender and subsequent sale of the disputed account is abusive and unfair. The Collectors attempt to collect without proof of standing is deceptive.\n\nThese practices have caused substantial monetary and non-monetary injury, including loss of service, credit damage, and significant distress.\n\nI demand restitution for all injuries and disgorgement of any ill-gotten gains from this practice, which I quantify as a minimum of {$10000.00} for the severe and compounding harm caused.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1681s-2 ( a ) : If XXXX furnished inaccurate information about a disputed debt arising from its own refusal of payment, it violated its duty of accuracy.\n\n1681s-2 ( b ) : Both parties must conduct a reasonable investigation upon dispute. Failure to produce the Purchase Agreement demonstrates a willful failure to investigate.\n\nI seek damages for any willful ( 1681n ) or negligent ( 1681o ) noncompliance, including punitive damages.\n\nUniform Commercial Code ( UCC ) Article 3 & 4 ( Negotiable Instruments ) : XXXX refusal of a valid form of legal tender ( UCC 3-104 ) as payment for a settled amount may constitute a waiver of the debt and is a violation of commercial law principles underpinning federal consumer protection.\n\nTruth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. & Fair Credit Billing Act ( FCBA ) : The principles of accurate billing, good faith resolution of disputes, and proper credit for payments under the FCBA were blatantly violated by XXXX actions leading to the sale. \nFederal Trade Commission Act 5 & State UDAP Laws : This pattern of conduct is the definition of unfair and deceptive acts or practices in commerce.\n\n3. Comprehensive Relief Sought : I demand that the CFPB investigate and secure the following resolutions : 1. Immediate Cease & Desist : A permanent injunction barring the Collector from any further collection activity and requiring recall of the debt from any secondary markets.\n\n2. Document Production : A CFPB order compelling the production of the complete debt validation and the executed PURCHASE AGREEMENT.\n\n3. Credit Repair : Permanent deletion of all tradelines related to this account from all consumer reporting agencies.\n\n4. Substantial Monetary Remedies : Restitution for the wrongful refusal of payment, loss of service, and damages suffered, quantified at a minimum of {$10000.00}.\n\nStatutory Damages under the FDCPA and FCRA.\n\nCivil Penalties levied against XXXX and the Collector for their UDAAP violations, with a portion directed to me as victim compensation.\n\nPunitive Damages for the willful, oppressive, and malicious nature of these acts.\n\n5. Account Correction : Formal correction of my account records with XXXX and the Collector to reflect my accurate address and the true disputed status.\n\nThe cumulative harm, including the refusal of payment, unlawful sale, invasive collection attempts based on wrong data, and loss of essential communication services, warrants a significant financial resolution in the range of {$10000.00} or more to make me whole and deter this predatory behavior.","date_sent_to_company":"2026-01-14T00:40:29.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"11233","tags":null,"has_narrative":true,"complaint_id":"18701276","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2026-01-14T00:02:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Copies of my written requests for <em>debt</em> <em>validation</em> and the <em>Purchase</em> Agreement.\n\nA copy of my final XXXX bill/statement ( if available ).\n\nProof of my identity and the account in question.\n\nThis matter is causing significant distress and is a clear violation of my rights as a consumer. I trust the CFPB will <em>take</em> <em>appropriate</em> action. Please acknowledge receipt of this complaint and keep me informed of your investigation."],"product":["<em>Debt</em> collection"],"sub_product":["Telecommunications <em>debt</em>"]},"sort":[19.631094,"18701276"]},{"_index":"complaint-public-v1","_id":"17925750","_score":18.180557,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against XXXX for Failure to Conduct a Reasonable FCRA Investigation I am an Illinois resident and I am filing this complaint against XXXX  for failing to conduct a reasonable investigation of a disputed tradeline, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. \n\nThe disputed account is a private student loan originally originated by XXXX XXXX XXXX  ( South Dakota ) for my medical school, XXXX XXXX  XXXX XXXX ( XXXX ). I later learned that the account is now being reported and serviced by XXXX  XXXX XXXX ( XXXX ) and that the supposed owner is XXXX, XXXX, an entity affiliated with XXXX parent company. \n\nThis loan appears to be part of an unlawful rent-a-bank / true-lender scheme in which : XXXX abruptly told students XXXX XX/XX/year>, just days before the semester began, that we could no longer use XXXX ( Which Department of Education Confirmed is a lie ) and had to either ( XXXX ) take a school-arranged private loan with Richland XXXX XXXX, ( XXXX XXXX pay out of pocket in full, or ( XXXX ) withdraw ; Students were effectively forced into a Richland private loan ; Richland then sold the loan to XXXX, XXXX / XXXX parent group, but neither Richland, XXXX, nor XXXX XXXX XXXX has ever provided me with a chain of title or any documentation proving a lawful assignment of my loan. \n\nI disputed this tradeline with XXXX  on the basis that the furnisher can not prove it owns or has any right to report or collect this debt. In my dispute, I clearly explained that : Richland XXXX XXXX  told me it no longer owns the loan and refused to identify the purchaser or provide assignment documents. \n\nXXXX has never provided proof of ownership or chain-of-title documentation despite my written validation requests. \n\nXXXX, XXXX has never provided any documentation linking my specific loan to any lawful purchase from Richland. \n\nA lawsuit is pending. \n\nSince this account is a financial fraud, it should not be listed under my credit report I attached or referenced my correspondence with XXXX and XXXX, which shows that no one can or will produce the chain of title. \n\nDespite this, XXXX  responded that the account was verified and left the tradeline on my report. It is clear that XXXX  simply parroted the furnishers response and accepted their word without obtaining or reviewing any underlying documents, even though ownership and standing are the core of my dispute. \n\nUnder 15 U.S.C. 1681i ( a ) ( 2 ) and 1681i ( a ) ( 4 ), XXXX  is required to conduct a reasonable reinvestigation of disputed information. Courts have repeatedly held that a reinvestigation that consists only of contacting the furnisher and accepting its response, without reviewing documentation of ownership when ownership is disputed, is not reasonable under the FCRA. Here, XXXX  ignored the central issue I raisedlack of chain of title and proof of ownershipand mechanically marked the account verified. \n\nAs a result of this failed investigation and continued negative reporting : The disputed account is still being reported as delinquent ; My credit score has dropped from approximately XXXX to around XXXX in 3 months I have suffered credit damage and significant distress from being reported delinquent on a loan whose ownership has never been validated. \n\nI have already filed complaints about the underlying loan and rent-a-bank structure with the FDIC, the Consumer Financial Protection Bureau ( CFPB ), and the Illinois Attorney General. This complaint is specifically about XXXX conduct as a credit reporting agency and its failure to comply with its FCRA obligations. \n\nRequested Relief : That XXXX  be required to conduct a proper, documented reinvestigation, including obtaining and reviewing actual chain-of-title and assignment documents from Richland, XXXX, and XXXX, XXXX ; That, if XXXX  can not obtain such documentation, it be required to delete or suppress the disputed tradeline in its entirety from my credit file ; That this tradeline be clearly marked as consumer disputes this account while any reinvestigation is pending ; and That appropriate enforcement action be considered against XXXX  for failing to conduct a reasonable investigation under the FCRA. \n\nI am happy to provide : My prior dispute letters to XXXX  ; XXXX verified response ; My validation/chain-of-title requests to Richland, XXXX, and XXXX XXXX XXXX ; Any responses ( or lack thereof ) ; and Copies of my credit reports showing the disputed tradeline and score impact. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-11-26T11:47:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60654","tags":null,"has_narrative":true,"complaint_id":"17925750","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RICHLAND LOAN PROCESSING CENTER, LLC","date_received":"2025-11-26T11:46:41.000Z","state":"IL","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Requested Relief : That XXXX  be required to conduct a <em>proper</em>, documented reinvestigation, <em>including</em> obtaining and reviewing actual <em>chain</em>-of-title and assignment documents from Richland, XXXX, and XXXX, XXXX ; That, if XXXX  can not obtain such documentation, it be required to delete or suppress the disputed tradeline in its entirety from my credit file ; That this tradeline be clearly marked as consumer disputes this account while any reinvestigation is pending ; and That <em>appropriate</em> enforcement"]},"sort":[18.180557,"17925750"]},{"_index":"complaint-public-v1","_id":"17529610","_score":18.12323,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against TransUnion for Failure to Conduct a Reasonable FCRA Investigation I am an Illinois resident and I am filing this complaint against TransUnion for failing to conduct a reasonable investigation of a disputed tradeline, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. \n\nThe disputed account is a private student loan originally originated by XXXX XXXX XXXX  ( South Dakota ) for my XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I later learned that the account is now being reported and serviced by XXXX  XXXX XXXX ( XXXX ) and that the supposed owner is XXXX, XXXX, an entity affiliated with XXXX parent company. \n\nThis loan appears to be part of an unlawful rent-a-bank / true-lender scheme in which : XXXX abruptly told XXXX  XXXX XX/XX/year>, just days before the XXXX  began, that we could no longer use XXXX ( Which Department of Education Confirmed is a lie XXXX and had to either ( XXXX ) take a XXXXarranged private loan with XXXX XXXX XXXX, ( XXXX XXXX pay out of pocket in full, or ( XXXX ) withdraw ; Students were effectively forced into a XXXXXXXX XXXX XXXX ; XXXX then sold the loan to XXXX, XXXX / XXXX parent group, but neither XXXX, XXXX, nor XXXX XXXX XXXX has ever provided me with a chain of title or any documentation proving a lawful assignment of my loan. \n\nI disputed this tradeline with TransUnion on the basis that the furnisher can not prove it owns or has any right to report or collect this debt. In my dispute, I clearly explained that : XXXX XXXX XXXX  told me it no longer owns the loan and refused to identify the purchaser or provide assignment documents. \n\nXXXX has never provided proof of ownership or chain-of-title documentation despite my written validation requests. \n\nXXXX, XXXX has never provided any documentation linking my specific loan to any lawful purchase from XXXX. \n\nA lawsuit is pending. \n\nSince this account is a financial fraud, it should not be listed under my credit report I attached or referenced my correspondence with XXXX and XXXX, which shows that no one can or will produce the chain of title. \n\nDespite this, TransUnion responded that the account was verified and left the tradeline on my report. It is clear that TransUnion simply parroted the furnishers response and accepted their word without obtaining or reviewing any underlying documents, even though ownership and standing are the core of my dispute. \n\nUnder 15 U.S.C. 1681i ( a ) ( 2 ) and 1681i ( a ) ( 4 ), TransUnion is required to conduct a reasonable reinvestigation of disputed information. Courts have repeatedly held that a reinvestigation that consists only of contacting the furnisher and accepting its response, without reviewing documentation of ownership when ownership is disputed, is not reasonable under the FCRA. Here, TransUnion ignored the central issue I raisedlack of chain of title and proof of ownershipand mechanically marked the account verified. \n\nAs a result of this failed investigation and continued negative reporting : The disputed account is still being reported as delinquent ; My credit score has dropped from approximately XXXX to around XXXX in 3 months I have suffered credit damage and significant distress from being reported delinquent on a loan whose ownership has never been validated. \n\nI have already filed complaints about the underlying loan and rent-a-bank structure with the FDIC, the Consumer Financial Protection Bureau ( CFPB ), and the Illinois Attorney General. This complaint is specifically about TransUnions conduct as a credit reporting agency and its failure to comply with its FCRA obligations. \n\nRequested Relief : That TransUnion be required to conduct a proper, documented reinvestigation, including obtaining and reviewing actual chain-of-title and assignment documents from XXXX, XXXX, and XXXX, XXXX ; That, if TransUnion can not obtain such documentation, it be required to delete or suppress the disputed tradeline in its entirety from my credit file ; That this tradeline be clearly marked as consumer disputes this account while any reinvestigation is pending ; and That appropriate enforcement action be considered against TransUnion for failing to conduct a reasonable investigation under the FCRA. \n\nI am happy to provide : My prior dispute letters to TransUnion ; TransUnions verified response ; My validation/chain-of-title requests to XXXX, XXXX, and XXXX XXXX XXXX ; Any responses ( or lack thereof ) ; and Copies of my credit reports showing the disputed tradeline and score impact. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-11-26T11:47:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60654","tags":null,"has_narrative":true,"complaint_id":"17529610","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-26T11:27:18.000Z","state":"IL","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":["Requested Relief : That TransUnion be required to conduct a <em>proper</em>, documented reinvestigation, <em>including</em> obtaining and reviewing actual <em>chain</em>-of-title and assignment documents from XXXX, XXXX, and XXXX, XXXX ; That, if TransUnion can not obtain such documentation, it be required to delete or suppress the disputed tradeline in its entirety from my credit file ; That this tradeline be clearly marked as consumer disputes this account while any reinvestigation is pending ; and That <em>appropriate</em> enforcement"]},"sort":[18.12323,"17529610"]},{"_index":"complaint-public-v1","_id":"17953678","_score":18.121088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against XXXX  for Failure to Conduct a Reasonable FCRA Investigation I am an Illinois resident and I am filing this complaint against XXXX  for failing to conduct a reasonable investigation of a disputed tradeline, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. \n\nThe disputed account is a private student loan originally originated by XXXX XXXX XXXX  ( South Dakota ) for my medical school, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ). I later learned that the account is now being reported and serviced by XXXX  XXXX XXXX ( XXXX ) and that the supposed owner is XXXX, XXXX, an entity affiliated with XXXX parent company. \n\nThis loan appears to be part of an unlawful rent-a-bank / true-lender scheme in which : XXXX abruptly told students XXXX XX/XX/year>, just days before the XXXX  began, that we could no longer use XXXX ( Which Department of Education Confirmed is a lie ) and had to either ( 1 ) take a XXXX-arranged private loan with XXXX XXXX XXXX, ( XXXX XXXX pay out of pocket in full, or ( XXXX ) withdraw ; XXXX  were effectively forced into a XXXX private loan ; XXXX then sold the loan to XXXX, XXXX / XXXX parent group, but neither XXXX, XXXX, nor XXXX XXXX XXXX has ever provided me with a chain of title or any documentation proving a lawful assignment of my loan. \n\nI disputed this tradeline with XXXX  on the basis that the furnisher can not prove it owns or has any right to report or collect this debt. In my dispute, I clearly explained that : XXXX XXXX Bank told me it no longer owns the loan and refused to identify the purchaser or provide assignment documents. \n\nXXXX has never provided proof of ownership or chain-of-title documentation despite my written validation requests. \n\nXXXX, XXXX has never provided any documentation linking my specific loan to any lawful purchase from XXXX. \n\nA lawsuit is pending. \n\nSince this account is a financial fraud, it should not be listed under my credit report I attached or referenced my correspondence with XXXX and XXXX, which shows that no one can or will produce the chain of title. \n\nDespite this, XXXX  responded that the account was verified and left the tradeline on my report. It is clear that XXXX  simply parroted the furnishers response and accepted their word without obtaining or reviewing any underlying documents, even though ownership and standing are the core of my dispute. \n\nUnder 15 U.S.C. 1681i ( a ) ( 2 ) and 1681i ( a ) ( 4 ), XXXX  is required to conduct a reasonable reinvestigation of disputed information. Courts have repeatedly held that a reinvestigation that consists only of contacting the furnisher and accepting its response, without reviewing documentation of ownership when ownership is disputed, is not reasonable under the FCRA. Here, XXXX  ignored the central issue I raisedlack of chain of title and proof of ownershipand mechanically marked the account verified. \n\nAs a result of this failed investigation and continued negative reporting : The disputed account is still being reported as delinquent ; My credit score has dropped from approximately XXXX to around XXXX in 3 months I have suffered credit damage and significant distress from being reported delinquent on a loan whose ownership has never been validated. \n\nI have already filed complaints about the underlying loan and rent-a-bank structure with the FDIC, the Consumer Financial Protection Bureau ( CFPB ), and the Illinois Attorney General. This complaint is specifically about XXXX conduct as a credit reporting agency and its failure to comply with its FCRA obligations. \n\nRequested Relief : That XXXX  be required to conduct a proper, documented reinvestigation, including obtaining and reviewing actual chain-of-title and assignment documents from XXXX, XXXX, and XXXX, XXXX ; That, if XXXX  can not obtain such documentation, it be required to delete or suppress the disputed tradeline in its entirety from my credit file ; That this tradeline be clearly marked as consumer disputes this account while any reinvestigation is pending ; and That appropriate enforcement action be considered against XXXX  for failing to conduct a reasonable investigation under the FCRA. \n\nI am happy to provide : My prior dispute letters to XXXX  ; XXXX verified response ; My validation/chain-of-title requests to XXXX, XXXX, and XXXX XXXX XXXX ; Any responses ( or lack thereof ) ; and Copies of my credit reports showing the disputed tradeline and score impact. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-11-26T11:47:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60654","tags":null,"has_narrative":true,"complaint_id":"17953678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-11-26T11:46:41.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Requested Relief : That XXXX  be required to conduct a <em>proper</em>, documented reinvestigation, <em>including</em> obtaining and reviewing actual <em>chain</em>-of-title and assignment documents from XXXX, XXXX, and XXXX, XXXX ; That, if XXXX  can not obtain such documentation, it be required to delete or suppress the disputed tradeline in its entirety from my credit file ; That this tradeline be clearly marked as consumer disputes this account while any reinvestigation is pending ; and That <em>appropriate</em> enforcement action"]},"sort":[18.121088,"17953678"]},{"_index":"complaint-public-v1","_id":"12229708","_score":14.914904,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian and Equifax to immediately delete the XXXX XXXX XXXX account from my credit report due to failure to conduct a proper investigation, continued reporting of inaccurate information, and failure to comply with FCRA regulations. \n\nBoth XXXX and XXXX have conducted thorough investigations and determined that the disputed XXXX XXXX XXXX account was inaccurate and subsequently removed it from my credit report. \n\nExperian and Equifax, however, continue to falsely report this account as accurate, despite clear evidence proving otherwise, violating the Fair Credit Reporting Act ( FCRA ). \n\nMaintaining inconsistent and inaccurate reporting across multiple credit bureaus is a direct violation of federal law, and your refusal to remove this account subjects you to further legal and regulatory action. \n\nLEGAL VIOLATIONS COMMITTED BY EXPERIAN XXXX EQUIFAX XXXX Violation of FCRA XXXX Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) Legal Requirement : FCRA XXXX ( a ) ( XXXX ) ( A ) requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed items to determine whether the disputed information is inaccurate. \nAny information that can not be verified must be deleted. \n\nViolation : XXXX and XXXX have both found the XXXX XXXX XXXX account to be inaccurate and deleted it, proving that Experian and XXXX XXXX was flawed and incomplete. \nBoth bureaus failed to request sufficient verification from XXXX XXXX XXXX or XXXX XXXX and instead relied on unverifiable or automated responses. \nContinuing to report inaccurate information despite evidence of its inaccuracy is a clear violation of FCRA XXXX. \n\nLegal Remedy : Experian and Equifax must immediately delete the account for failure to verify its accuracy. \nFailure to do so entitles me to damages under FCRA XXXX & XXXX. \n\nXXXX Violation of FCRA XXXX Failure to Ensure Maximum Possible Accuracy ( XXXX U.S.C. 1681e ( b ) ) Legal Requirement : FCRA XXXX ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. \nIf information is found to be inaccurate by XXXX bureau, all credit bureaus must ensure accuracy. \n\nViolation : XXXX and XXXX deleted the account, confirming it was inaccurate. \nExperian and Equifax continue to report this same account despite being presented with evidence that it is incorrect. \nBy refusing to delete the account while other bureaus have removed it, Experian and Equifax are in direct violation of their legal obligation to ensure accuracy. \n\nLegal Remedy : Experian and Equifax must immediately delete this account to ensure accuracy across all three bureaus. \nFailure to comply allows me to pursue statutory damages under FCRA. \n\nXXXX Violation of FCRA XXXX Duty of Furnishers to Provide Accurate Information ( XXXX U.S.C. 1681s-2 ) Legal Requirement : FCRA XXXX ( a ) prohibits furnishers from reporting inaccurate or unverifiable information to credit bureaus. \nIf a furnisher can not verify an account, the account must be deleted. \n\nViolation : XXXX XXXX XXXX ( or its debt buyer XXXX XXXX XXXX has failed to provide proper documentation to Experian and Equifax, yet both bureaus continue to report the account. \nThere is no signed contract, chain of title, or legal agreement authorizing XXXX or XXXX XXXX to report this account. \nBy failing to verify ownership and accuracy of the debt, Experian and Equifax are in violation of FCRA XXXX. \n\nLegal Remedy : If XXXX XXXX XXXX or XXXX XXXX can not provide verifiable documentation, Experian and Equifax must delete the account immediately. \nContinued reporting without documentation is grounds for statutory damages. \n\nXXXX Violation of CFPB XXXX Laws Unfair & Deceptive Practices ( 12 U.S.C. 5531 ) Legal Requirement : The CFPB prohibits Unfair, Deceptive, or Abusive Acts or Practices ( XXXX  ), including misleading consumers about their disputes and providing inconsistent credit reporting. \n\nViolation : By failing to remove an account that both XXXX and XXXX have already deleted, Experian and Equifax are engaging in deceptive and unfair practices. \nBoth bureaus falsely claim their investigations are thorough while providing no documented proof. \n\nLegal Remedy : Experian and Equifax must delete the account immediately. \nCFPB complaints will be filed for noncompliance. \n\nFCRA XXXX XXXX of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Requirement to XXXX XXXX : CRAs must block the reporting of information that a consumer identifies as resulting from identity theft within XXXX business days of receiving appropriate proof, such as an identity theft report. \nProhibition on Refurnishing Blocked Information : Once information has been blocked due to identity theft, furnishers are prohibited from refurnishing the blocked information. \n\nViolation of CFPB XXXX XXXX XXXX XXXX XXXX  XXXX Legal Requirement : Furnishers of information are required to conduct a reasonable investigation upon receiving a direct dispute from a consumer. \nFailure to investigate or respond appropriately violates CFPB regulations. \n\nViolation : Experian and Equifax have failed to investigate thoroughly and continue to report inaccurate information despite being aware of XXXX and XXXX findings. \nTheir refusal to conduct a legitimate investigation is a direct violation of CFPB XXXX XXXX. \n\nFailure to Provide Required Disclosures ( FCRA XXXX ( a ) ) : Right to Information : Consumers are entitled to request all information in their file from a consumer reporting agency ( CRA ). If a CRA verifies disputed information but refuses to disclose the evidence or documentation used in that verification, it may violate the consumers right to access their information. \nXXXX. Negligent or Willful Non-Compliance ( FCRA XXXX, XXXX ) : Liability for Non-Compliance : If a CRA or XXXX fails to comply with FCRA requirements, such as conducting a reasonable reinvestigation or providing necessary disclosures, they may be liable for damages. Willful non-compliance can result in punitive damages, while negligent non-compliance may lead to actual damages. \n\nFINAL DEMAND REMOVE THIS ACCOUNT IN XXXX BUSINESS DAYS I am giving Experian and Equifax exactly XXXX business days from the date of this letter to : XXXX Immediately delete the fraudulent XXXX XXXX XXXX account. \nXXXX Provide written confirmation that the account has been removed. \nXXXX If Experian or Equifax claims the account is verified, provide ALL of the following documents : Signed contract proving I authorized the account. \nThe name, contact information, and method of verification used. \nPayment records or validation from the original creditor. \nChain of title proving ownership of the account. \nXXXX Cease all further reporting of this fraudulent account. \nXXXX Ensure maximum accuracy across all bureaus by following XXXX and XXXX deletion of the account. \n\nI am requesting the following information regarding this alleged debt : XXXX. Validation of the XXXX ( FDCPA 1692g ( b ) ) A copy of the original signed contract or agreement that created this obligation. \nProof that I agreed to this debt and am legally responsible for it. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chain of title showing all transfers of this debt from the original creditor to your company. \nProof that you have been legally assigned or purchased this debt and have the right to collect. \nXXXX. Complete Payment History & Balance Breakdown ( TILA 1666b Billing Error Resolution ) A full payment history showing how the claimed balance was calculated. \nA detailed breakdown of principal, interest, fees, penalties, and other charges. \nProof that each periodic statement containing a late payment or fee was mailed to me at least XXXX  days before the payment due date ( TILA 1666b ). \nXXXX. XXXX XXXX & XXXX XXXX The name, address, and contact information of the original creditor. \nThe name of the furnisher who reported this debt to credit bureaus. \nXXXX. Proof of Compliance with State & Federal Laws Proof that this debt is not time-barred under the Statute of Limitations in my state. \nYour companys debt collection license number ( if required by my state ). \nXXXX. Cease All Collection Activity Until Validation is Provided ( FDCPA 1692g ( XXXX ) ) Per 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you provide the requested validation. \nAny continued collection activity without proper validation violates federal law and may result in legal action. \n\nLEGAL ACTION IF YOU FAIL TO COMPLY If Experian and Equifax fail to comply within XXXX business days, I will take the following actions without further notice : File a XXXX XXXX Experian XXXX Equifax in Small Claims or XXXX XXXX XXXX a formal complaint with the CFPB and FTC for investigation. \nReport both bureaus to my XXXX Attorney General for consumer protection violations. \nSeek statutory damages of {$1000.00} per violation and compensation for harm to my creditworthiness. \n\nXXXX XXXX and XXXX have already deleted the account, confirming its inaccuracy, yet Experian and Equifax refuse to remove it. \nXXXX Experian and Equifax failed to conduct a reasonable reinvestigation as required by FCRA XXXX. \nXXXX They continue to report unverifiable information in violation of FCRA XXXX ( b ) ( ensuring maximum accuracy ). \nXXXX They ignored your FTC Identity Theft Report, violating FCRA XXXX ( requirement to block fraudulent accounts within XXXX business days ). \nXXXX They failed to provide any documentation proving the validity of the account. \nXXXX CFPB has confirmed their violation of federal law, and this ongoing reporting is harming your creditworthiness.","date_sent_to_company":"2025-02-26T17:25:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"12229708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-26T17:25:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Proof that I agreed to this <em>debt</em> and am legally responsible for it. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <em>chain</em> of title showing all transfers of this <em>debt</em> from the original creditor to your company. \nProof that you have been legally assigned or <em>purchased</em> this <em>debt</em> and have the right to collect. \nXXXX. Complete Payment History & Balance Breakdown ( TILA 1666b Billing Error Resolution ) A full payment history showing how the claimed balance was calculated."]},"sort":[14.914904,"12229708"]},{"_index":"complaint-public-v1","_id":"13255877","_score":14.07892,"_source":{"product":"Debt collection","complaint_what_happened":"YOUR COMPLAINT From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Date : XX/XX/XXXX Subject : Urgent Complaint Against Portfolio Recovery Associates for Continued FDCPA and FCRA Violations Dear CFPB, I am filing this complaint to formally report Portfolio Recovery Associates , LLC for ongoing, malicious, and unlawful debt collection and credit reporting practices that have directly violated my legal rights under both federal and state laws. Despite my repeated efforts to resolve this issue respectfully and legally, PRA continues to harass me, ignore written requests, and maliciously harm my credit profile by furnishing inaccurate, unverifiable, and unauthorized information to as many as 12 credit bureaus, including Equifax. Background : I have sent three written requests demanding debt validation and an assignment contract, as required under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Instead of proper validation, PRA has only responded with generic credit card statements, which do not satisfy legal debt validation requirements. They refuse to disclose how much they purchased the alleged debt for, which is a critical part of proving ownership. As you know, once a debt is charged off, it is often transferred into a structured trust and pooled with other debts. In these cases, the ownership becomes obscured, and third-party collectors like PRA often lack proper legal standing to collect or report the debt. After I sent a cease and desist letter, PRA ignored it and then went so far as to report the account to Equifax, escalating their malicious actions after I legally revoked their right to contact me. Legal Violations : FDCPA 809 ( b ) 15 U.S.C. 1692g ( b ) : PRA failed to provide proper validation of the debt despite multiple written requests. Their vague replies with generic billing statements are not sufficient proof under the FDCPA. FDCPA 805 ( c ) 15 U.S.C. 1692c ( c ) : I clearly submitted a cease and desist letter, yet PRA has continued to contact me indirectly through reporting, which is a violation of my right to be left alone under the law. Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) : PRA has reported this debt without complete or accurate investigation, which is a violation of their duty to report only verifiable, complete, and accurate data. The Grim Bail Leach Act ( referring to the Fair Debt Buyer Practices Act and elements of consumer protection law often referenced in financial trust violations ) : PRAs likely involvement in purchasing pooled debts from a trust without proper legal assignment or chain of custody creates serious standing and jurisdiction issues. If they can not prove ownership through contract assignment, they have no legal authority to collect or report this alleged debt. Violation of My Due Process Rights : I was never properly notified of any assignment or sale of the debt, nor was I presented with any opportunity to dispute this before it was maliciously placed on my credit report. This is deceptive, harmful, and intended to coerce payment under duress Fair Solution : Immediate removal of any and all entries from Portfolio Recovery Associates on all credit reporting agencies, including XXXX XXXX XXXX and any others they may have contacted. A formal investigation into PRAs continued violations and refusal to honor consumer protection laws. PRA must be permanently barred from ever contacting me again in writing, phone, email, or courier, and be prohibited from furnishing information about this alleged debt in the future. I request that PRA be fined or penalized for their pattern of abuse against not just myself but other consumers who have also reported similar misconduct. This is a matter of abuse of the credit system, and PRA has demonstrated repeated, intentional violations of law. Their actions have affected my ability to rebuild my credit, and their refusal to follow federal law is unacceptable. Please treat this complaint as urgent and respond with appropriate action. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Email : XXXX CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations Debt collection giant filed lawsuits even when it lacked documentation about the debt XX/XX/XXXX Share & print XXXX XXXX XXXX  The Consumer Financial Protection Bureau ( CFPB ) took action today against Portfolio Recovery Associates, one of the largest debt collectors in the nation, for violating a XXXX CFPB order and engaging in other violations of law. The CFPB filed a proposed order today that, if entered by the court, would require Portfolio Recovery Associates to pay more than {$12.00} XXXX to consumers harmed by its illegal debt collection practices, in addition to a {$12.00} XXXX penalty that would be deposited into the CFPBs victims relief fund. Portfolio Recovery Associates violated the XXXX order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations. Portfolio Recovery Associates also failed to properly investigate and resolve consumer disputes about the company 's credit reporting. Todays action is one of many actions the CFPB has recently taken to hold repeat offenders accountable. \n\nAfter getting caught red-handed in XXXX, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, said CFPB Director XXXX XXXX . CFPB orders are not suggestions, and companies can not ignore them simply because they are large or dominant in the market. \n\nPortfolio Recovery Associates is a wholly owned subsidiary of publicly traded PRA Group ( XXXX : PRAA ) and is one of the largest debt collectors in the United States. The companys principal headquarters is in XXXX, Virginia. PRA Group reported net income of over {$180.00} XXXX in XXXX. \n\nIn XX/XX/XXXX, the CFPB ordered Portfolio Recovery Associates to pay more than {$27.00} XXXX in consumer refunds and penalties for deceptive debt collection tactics. In that case, the CFPB found that Portfolio Recovery Associates collected on unsubstantiated debt, filed misleading affidavits in debt-collection actions, misrepresented that it intended to prove debts if consumers contested them, and misrepresented that the company had legally enforceable claims to debts outside of the applicable statutes of limitations. \n\nThe XXXX order required Portfolio Recovery Associates to adhere to provisions including prohibitions on : Collecting debts without a reasonable basis, Selling debt, Threatening or filing collection lawsuits without an intent to prove the debt, Filing false or misleading affidavits in debt-collection actions, Making false or misleading representations, and Collecting or suing on debt that was outside the statute of limitations. \nIn todays complaint, the CFPB charged Portfolio Recovery Associates with violating numerous requirements of the XXXX order during the five-year period the order was in effect and engaging in deceptive conduct in violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act, including : Making representations about unsubstantiated debts : Portfolio Recovery Associates made at least tens of thousands of representations about unsubstantiated, disputed debts, failing to review the required documentation to support the claim.\n\nThreatening consumers with potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : Portfolio Recovery Associates lawyers sent millions of form letters to consumers notifying them of potential legal action without offering to provide all required documents. Portfolio Recovery Associates also initiated thousands of legal actions against consumers when it lacked proper documentation about the debt.\n\nMisrepresenting that it would provide certain documents within thirty days : The form letter notifying consumers of potential legal action stated that, upon receipt of a written request from the consumer, Portfolio Recovery Associates would provide within 30 days of request the proof of documentation mentioned in the letter. On numerous occasions, Portfolio Recovery Associates failed to timely provide these documents after receiving a consumers written request for them. This impeded consumers ability to determine whether a debt was truly owed and how they should respond to allegations of outstanding debts. \nCollecting on time-barred debt without making required disclosures : On numerous occasions, Portfolio Recovery Associates did not provide the required disclosures to consumers when collecting on debts beyond the statute of limitations. When the company purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations. \nSuing to collect on time-barred debt : Portfolio Recovery Associates initiated at least dozens of lawsuits for debt that was too old to legally enforce. In doing so, Portfolio Recovery Associates falsely represented that those consumers had legally enforceable obligations to pay those debts when in fact they did not because the debt was outside the statute of limitations. \nThe CFPB also alleges that Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform consumers about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that a consumers dispute was frivolous or irrelevant, it failed to timely inform the consumer about what information would be necessary for Portfolio Recovery Associates to investigate the dispute. \nFailing to timely resolve disputes : On at least tens of thousands of occasions, Portfolio Recovery Associates failed to resolve disputes within the required time. \nConducting unreasonable investigations : On numerous occasions when a consumer alleged fraud or identify theft, Portfolio Recovery Associates did not conduct a sufficient investigation that considered all necessary information. \nEnforcement Action Under the CFPA, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPB alleges that Portfolio Recovery Associates violated the XXXX order, the CFPAs prohibition on deceptive conduct, the FDCPA, FCRA, and Regulation V.\n\nIf entered by the court, the order would require Portfolio Recovery Associates to : Provide redress to consumers : Portfolio Recovery Associates would pay at least {$12.00} XXXX to consumers harmed by its illegal collection practices.\n\nClean up its faulty operations : The order prohibits Portfolio Recovery Associates from collecting debts unless it has access to certain documents that meet its obligation to have a reasonable basis to believe it is collecting debts that consumers actually owe. \nFix its failures to properly respond to consumers : The order requires Portfolio Recovery Associates to improve their response when consumers report that they do not owe a debt because of fraud or identity theft. And it ensures that Portfolio Recovery Associates adequately responds to consumer disputes in a timely manner about information Portfolio Recovery Associates has furnished to consumer reporting agencies. \nPay {$12.00} XXXX in penalties : Portfolio Recovery Associates would pay a {$12.00} XXXX penalty to the CFPB, which would be deposited into the CFPBs victims relief fund. \nRead todays proposed order. \n\nRead the XXXX order against Portfolio Recovery Associates. \n\nIn XXXX, the CFPB proposed a new registry to help detect and deter repeat offenders like Portfolio Recovery Associates. The public can submit comments on the proposal until XX/XX/XXXX. \n\nIf you or someone you know needs help dealing with a debt collector, the CFPB publishes resources on how to protect your legal rights and navigate your financial future. \n\nConsumers can submit complaints about financial products or services by visiting the CFPBs website or by calling ( XXXX ) XXXX ( XXXX ). \n\nEmployees of companies who they believe their company has violated federal consumer financial laws are encouraged to send information about what they know to XXXX.","date_sent_to_company":"2025-05-06T13:12:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"13255877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-04-30T11:47:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Instead of <em>proper</em> <em>validation</em>, PRA has only responded with generic credit card statements, which do not satisfy legal <em>debt</em> <em>validation</em> requirements. They refuse to disclose how much they <em>purchased</em> the alleged <em>debt</em> for, which is a critical part of proving ownership. As you know, once a <em>debt</em> is charged off, it is often transferred into a structured trust and pooled with other <em>debts</em>."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[14.07892,"13255877"]},{"_index":"complaint-public-v1","_id":"12770396","_score":13.939728,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number XXXX | Demand for Validation of Debt and Compliance with Federal Statutes To Whom It May Concern : This letter constitutes a formal dispute and demand for validation According to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( B ) ), and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) ( hereafter referred to as FCBA, FCRA, and FDCPA respectively ), this notification informs you that a formal request for validation of alleged billing discrepancies and potential violations, which may suggest fraudulent conduct and predatory lending practices, has been initiated.\n\nFurthermore, in accordance with the Health Insurance Portability and Accountability Act ( HIPAA ), I have the right to protect the privacy of my medical records from third parties. I have no\nt authorized any of my current or previous healthcare providers to disclose my medical information to any third party. While I acknowledge that limited information may be shared as permitted by HIPAA, any additional information should only be disclosed with the patient 's explicit consent. Thus, my request encompasses two aspects : debt validatio\nn and HIPAA compliance. It is your responsibility as the relevant entity to provide comprehensive documentation demonstrating your legitimacy as the involved party concerning the aforementioned allegations. This documentation should address and rectify any reported information that does not fully comply with the accuracy, truthfulness, and completeness requirements stipulated not only by FCRA and FDCPA but also in accordance with the XXXX XXXX credit reporting standards. \n\nPlease note that this communication explicitly seeks a thorough validation of the debt in question, in strict accordance with 15 U.S.C 1692g Sec. 809 ( b ) of the FDCPA. It is not simply a request to confirm my mailing address. Moreover, this demand serves as a warning against engaging in actions or making representations that would breach the provisions outlined in 15 U.S.C 1692e, which pertain to the dissemination of false or misleading information.\n\nIt is important to highlight that engaging in practices that violate consumer protection laws and regulations, including but not limited to The Deceptive Trade Practices Act ( 15 U.S.C 45 ), the XXXX Fair Debt Collection Practices Act, Truth in Lending Act ( TILA ), Regulation Z, and Unfair, Deceptive, or Abusive Acts or Practices, is prohibited. As dictated by current jurisprudence governing Federal consumer protection law, Consumer Reporting Agencies are obligated to diligently verify the accuracy of the information they distribute, which exceeds the mere replication of data obtained from secondary sources. Thus, I formally request that your office provide me with verifiable evidence of my alleged financial obligation. This documentation should conform to Federal Rules of Civil Procedure Evidence XXXX and be accompanied by an officially certified XXXX XXXX. Furthermore, I require copies of both the front and back, duly certified as accurate and reflecting any indebtedness that is purportedly my responsibility. \n\nI hereby notify that any further dissemination of unfounded information to the major credit bureausnamely XXXX, XXXX, and XXXX implicate your office in deceptive practices under applicable federal and state statutes. Continuing such actions could expose your office to litigation under the Deceptive Trade Practices Act ( Title 15 U.S.C. 45 ), the Fair Debt Collection Practices Act ( FDCPA ), the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) 501.2077 ( 2 ), and other relevant laws such as TILA, XXXX. XXXX, XXXX, XXXX Tort Fraud, and FCRA. \n\nYour legal advisors should be aware of the severe consequences associated with noncompliance with these statutes, which may lead to scrutiny by the Federal Trade Commission and other regulatory agencies. Non-compliance with the Fair Credit Reporting Act may result in action from the FTC, Consumer Financial Protection Bureau ( CFPB ), state entities, or affected consumers. \n\nUpon receipt of the requested validation documents within XXXX days, I will review them within an identical period during which all collection attempts must be suspended. During this validation period, any action that negatively affects my credit ratings will prompt consultation with legal counsel. Non-compliance with this request could place your company in significant legal jeopardy with federal and state agencies. Failure to provide proper documentation within XXXX days will also constitute continued reporting of invalidated information to any major credit bureau as fraud under both federal and state laws. All inaccurate or invalidated information must be immediately stricken as fraudulent and void ab initio from your Hierarchy until all validation documentation is provided. If your establishment or the company you represent continues to report negative marks on my credit reports without proper validation, I advise you to ensure all records are accurate and validated. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action XXXX XXXX XXXX XXXX Please provide the following : 1. Pursuant to relevant commercial statutes of the State of XXXX, you are hereby requested to provide a certified copy of your business license evidencing your legal authority to conduct business within the State. \nXXXX. Please provide a chain of assignment for this reference XXXX : XXXX. \nXXXX. Please Provide the forward flow agreement. for this reference XXXX : XXXX. \nXXXX. Please provide any are all arbitration agreement for this reference XXXX : XXXX. \nTrust 5. Securitization Clarity : Can you provide documentation detailing whether the alleged debt has been securitized? If so, please furnish the relevant securitization agreement that includes the chain of ownership of this debt from the original creditor to the current entity and any changes in ownership that have occurred.\n\n6. Disclosure of Conditions : Given that securitized debts often involve multiple parties, can you explain how you ensure compliance with FCBA and FDCPA in your communications and reporting practices? What specific measures do you have in place to prevent violations, especially regarding the requirement of clear disclosure?\n\n7. Validation Standards : What internal standards and procedures do you have to validate a debt that is claimed to be securitized? Can you describe how you verify compliance with federal regulations before attempting to collect on such debts?\n\n8. Chain of Custody Documentation : Can you provide a complete chain of custody for the documents substantiating this debt? This includes all agreements, updates, and assignments that have occurred since the inception of the debt. How do you maintain the integrity of the documentation in compliance with federal statutes?\n\n9. Specific Compliance Protocols : Specifically, what protocols are in place to ensure that any handling of this accountespecially communications regarding the debtdoes not violate provisions under the FCRA and FDCPA? Can you provide a detailed description of your training programs for employees regarding compliance with these acts?\n\nTrust Structure and Pool Details 10. Can you provide a detailed description of the specific trust or pool into which my alleged debt has been securitized? Please include the name, date of formation, and the parties involved in the trust and how they relate to my debt.\n\n11. What criteria were used to categorize debts into this trust pool, and how does this categorization impact the servicer 's responsibilities and the collection process?\n\nSecuritization Documentation 12. Please provide access to the securitization agreement, including any prospectus or offering documents related to the trust that includes my alleged debt. What information does this documentation provide regarding the treatment of consumer debts in the pool?\n\n13. Can you clarify any amendments or updates to the original securitization documents that may affect the validation process of my debt?\n\nServicer Responsibilities 14. What role does the servicer play in managing and collecting on the debts within this securitized pool? How is their authority limited in relation to Federal consumer protection laws?\n\n15. Could you provide a detailed explanation\nof the servicing agreement and how it governs the collection practices applied to my account? Specifically, how does this agreement ensure compliance with FCBA, FCRA, and FDCPA?\n\nVerification of Debt Ownership 16. How does XXXX XXXX verify its ownership of the alleged debt given its securitization? Please outline the internal processes used to ensure that records are accurate and complete before such debts are sent to collections. \nXXXX. What documentation can you provide that clearly establishes the chain of ownership from the original creditor to XXXX XXXX and any subsequent transfers related to this debt?\n\nRegulatory Compliance and Reporting 18. What specific procedures does XXXX XXXX have in place to ensure ongoing compliance with XXXX  regulations concerning the reporting of securitized assets? How do these procedures affect the handling of consumer accounts?\n\n19. Can you describe the internal audits or compliance checks that are conducted to ensure that your reporting to credit bureaus aligns with the requirements of both the FCRA and FDCPA?\n\nRemedies for Compliance Issues 20. Should discrepancies arise in the validation process related to the SEC prospectus disclosures, what mechanisms does XXXX XXXX have in place for the remediation of non-compliance in credit reporting? \n21. How can a consumer request a review or correction should inaccuracies be identified?\n\n22. To ascertain the identity of the individual owing the debt in question, please disclose the last four digits of the individual 's social security number for accurate identification, subject to appropriate privacy safeguards.\n\n23. Provide a certified copy of the original contract held by XXXX XXXX XXXX, with XXXX XXXX. \n\n24. Present an authenticated chain of title documentation explicitly verifying your right to collect on this debt. This must include the complete history of the account from the original creditor to XXXX XXXX XXXX, and any subsequent sales or transfers of the alleged debt. \n\n25. Provide certified copies of all agreements leading up to and including the assignment of the debt.\n\n26. Furnish a complete and legible accounting ledger showing each transaction that comprises the total amount claimed as owed. The ledger must be detailed enough to delineate all communication, transactions, service charges, and payments between myself and the alleged creditor.\n\n27. Include any interest computations, fees, charges, or penalties that have contributed to the cumulative amount of the alleged debt, supported by a contractual basis for each charge.\n\n28. Provide a notarized affidavit from an authorized XXXX of XXXX XXXX XXXX affirming that all collection practices related to this account comply with the FDCPA, FCRA, and other applicable federal laws.\n\n29. Include documentation that demonstrates your staff has been trained on these laws and regulations pertaining to debt collection.\n\n30. Submit evidence that your organization has legally obtained the authority to forward the collection of this alleged debt. This includes a certification that XXXX XXXX XXXX possesses all necessary licenses and bonding required to conduct collection actions in the state of Florida.\n\n31. Include a copy of the compliance review performed to ensure adherence to state and federal guidelines.\n\n32. Disclose the identities of all entities and individuals holding a stake in the claim against me, including any partnerships, trusts, or third-party investors that may have financial interests in this debt.\n\n33. Provide a copy of any management agreements or contracts relating to these stakeholders that impact your agencys ability to collect the monetary claim against me.\n\n34. You are required to supply a **Bill of Sale** accompanied by a certification demonstrating the authentic transfer of the debt, as well as evidence that XXXX XXXX XXXX XXXX XXXX **original documents** of the claims being initiated against me by all collection parties.\n\n35. Attach an authenticated copy of the **Servicing Agreement** that grants authority for collections of the debt in question.\n\n36. Provide a certified copy of the contract between the alleged creditor and XXXX XXXX XXXX, demonstrating the purchase of the alleged debt including all related costs.\n\n37. Provide a certified copy of the contract authorizing XXXX XXXX XXXX, to act on behalf of the alleged creditor.\n\n38. Provide certified copies of all records and a full accounting of the referenced account ( ACCT. # as specified in your letter ), including all records from XXXX XXXX XXXX XXXX demonstrating that a valid debt exists. \n\n39. Provide a complete list of all officers of XXXX XXXX XXXX, with full contact information including name, title, direct mailing address, direct phone number ( s ), fax number ( s ), and email address. A link to a website is not acceptable.\n\n40. Provide an affidavit signed under penalty of perjury that XXXX XXXX XXXX or any agent acting on their behalf has not violated any portion of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). Additionally, provide a certified copy of all Public Hazard Bonds and/or Liability Insurance Policies .\n\n41. Furnish an authenticated copy of the Master Servicing Agreement between your organization and the abovementioned client detailing your authority to pursue collection of the alleged debt on behalf of the Trustee.\n\n42. Present a certified copy of any agreements bearing the signature of the alleged debtor wherein they consented to an obligation to pay monies to XXXX XXXX XXXX. \n\n43. Under 15 USC 1641 ( f ) ( 2 ), provide the full legal name, physical address, and telephone number of the fiduciary or trustee who owns the aforementioned debt for purposes of due process and transparency.\n\n44. Present incontrovertible evidence, under oath and subject to penalties of perjury pursuant to Rule 17 of the Federal Rules of Civil Procedure, that verifies your status as the original Holder in Due Course with the necessary standing. This evidence must include a verifiable Bill of Receipt demonstrating actual \" purchase '' and non-divided ownership interest in the specified debt. In addition, any claimed contractual obligations between Trustee et al. and myself must be clearly established.\n\n45. Furthermore, provide all transactional records, ledgers, registers, and other documents reflecting account activity from inception to present. Attach an original signed agreement involving the alleged debtor with your agency ; redact any sensitive personal information to prevent misuse or identity theft. Affirm that you or your company retain ownership and Holder in Due Course status over this agreement, providing proof thereof.\n\n46. For full transparency regarding the alleged financial obligation currently under collection, you are requested to produce all pertinent accounting records. This includes a detailed general ledger or other account statements detailing all entries related to the obligation. Specifically, if applicable, furnish documents such as Form XXXX XXXX balance sheets ( XXXX Numbers XXXX, XXXX, XXXX ), any relevant Form XXXX OID reports, Form XXXX registration statements, Form XXXX prospectuses, as well as RC-S and RC-B call schedules. \n\n47. Additionally, provide the authenticated name and official capacity of the individual ( s ) appointed as Trustee or any equivalent fiduciary within the Corporation responsible for debt collection activities. This request also includes information regarding the XXXX XXXX XXXX  and their subordinate officers tasked with collections.\n\n48. If your entity is acting as a third-party debt collector concerning the aforementioned debt obligation, certify that you have not acquired any evidence of said debt and are proceeding with collection solely as an agent for the original creditor of record for this agreement. \n\n49. Under relevant legal and regulatory provisions, you are required to furnish written validation from the aforementioned creditor confirming your authorization to represent them in this matter.\n\n50. Subsequent communications to the Claimant, following the receipt of this notice, without proper procedural validation of the alleged debt, may infringe upon Title 18 of the United States Code, Part I Chapter 63 Section 1341. Such actions could be interpreted as intentional fraudulent practices via inter-state communications, based on disseminating known false information with reliance thereon resulting in detrimental consequences.\n\n51. You are required to provide a comprehensive copy of any insurance or securities claims asserted by any creditor or trustee related to this account.\n\n52. Additionally, supply all relevant security instruments associated with this account, whether certificated or uncertificated, including both front and back imprints evidencing the facilitation of account funding.\n\n53. All contracts and agreements pertinent to this account must be disclosed. This includes, but is not limited to, Service Agreements, Custodial Agreements, Master Purchase Agreements, and Issuer Agreements established with any Government-Sponsored Enterprises ( GSEs ).\n\n54. Moreover, complete disclosure is required for all Pooling Agreements encompassing this account in which a GSE is a party.\n\n55. Provide complete records of all agreements, contracts, and mutual understandings enacted with third-party vendors for services rendered in connection with charges levied against this account from its inception to the present day.\n\n56. This request extends to all Commitment to Guarantee agreements and Release of Document agreements entered into between your establishment and any GSEs.\n\n57. Furnish copies of the Master Agreement for Servicer 's Principal and Interest Custodial Accounts as well as records pertaining to any Servicers Escrow Custodial Accounts between the Trustee and your organization in connection with any GSE interactions.\n\n58. Provide all Trustee agreements pertinent to the acc\nount in question or relating to any collective accounts with any Government-Sponsored Enterprise ( GSE ).\n\n59. Provide documentation of any communications directed to the presumed debtor, including a record demonstrating the precise date and time these communications were dispatched by post from your institution. This request encompasses correspondences sent prior to reporting adverse credit information or within a thirty-day period subsequent to such reporting. It is incumbent upon your organization to ensure these notifications are distinctly legible and prominent in nature, adhering strictly to the model disclosures provided by the Consumer Financial Protection Bureau under 12 CFR Part 1022, Appendix B, pursuant to Fair Credit Reporting Act Section 623 ( a ) ( 7 ).\n\n60. An authenticated copy of your organizations license permitting debt collection activities within the State of XXXX. \n\n61. Evidentiary proof that the purported debt is not subject to expiration as per the applicable statute of limitations.\n\n62. A bona fide copy of your servicing agreement or documented Power of Attorney granted by the trustee.\n\n63. A true and correct copy of The Pooling and Servicing Agreement associated with the alleged account.\n\n64. Accurately documented details including the name, address, and Committee on Uniform Security Identification Procedures ( CUSIP ) number related to the alleged account.\n\n65. Any decrees or judgments obtained by any creditor or Trustee concerning this account.\n\n66. The full legal name, current address, and telephone number of the Trustee.\n\n67. The names and addresses of all individuals, corporate entities, associations, or third parties with a vested interest in legal proceedings concerning the alleged indebtedness.\n\n68. Disclosure of the full name and address of the individual or entity purported to owe the debt ( \" Alleged Debtor '' ).\n\n69. Provision of a complete ledger and accounting breakdown detailing the composition and calculation of the alleged debt being pursued.\n\n70. Statement of the precise amount claimed as owed under the alleged debt.\n\n71. Specification of the date when the alleged debt became due and payable.\n\n72. Identification of the date on which the original charge became delinquent or was written off.\n\n73. Confirmation that the right to collect this debt has been lawfully transferred or sold to your collection agency.\n\n74. Detailed statement reflecting every transaction and credit applied to the account in question, summarily comprising a comprehensive accounting of said alleged debt.\n\n75. Declaration regarding any contingent compensation attributable to your organization upon successful recovery of the alleged debt.\n\nIt is imperative that you acknowledge that any further attempt to contact me regarding this matter, absent satisfactory provision of each item delineated above in compliance with my validation request, could constitute mail fraud under 18 U.S.C 1341, for knowingly perpetrating an illegitimate claim through interstate communication channels with intent to deceive and cause foreseeable harm. \n\nFurthermore, you are instructed to submit evidence identifying the surety bond provider for XXXX XXXX XXXX for any necessary legal proceedings. Absence of such documentation or failure to adequately validate the alleged debt as stipulated completed and returned with all requested documents within 30 days of receipt herein will result in your claims being treated as nullified and extinguished ; such claims shall not be subject to resale or further collection activities and must be expunged from your records accordingly. \n\n\nPlease note that a consumer credit contract is insufficient for validation. Validation requires the presentment of the account and a general ledger statement signed and dated by the responsible party. Relevant case law includes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. \nBe advised that pursuant to Section 617 of aforementioned Federal Law ( 15 U.S.C. 1692g ), failure or negligence in complying with this law is very clear as to the Civil liability and the remedy available to me for the \" negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. \n\n\nRespectfully, XXXX XXXX Litigation I have not been supplied proof per doctrine of estoppel by silence as established in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. I presume no evidence of the alleged debt exists. \nPlease note that in accordance with legal precedents, a mere copy of the consumer credit contract does not suffice to substantiate the validity of the asserted debt. Proper validation is contingent upon the provision of the relevant account statement, together with a general ledger record, each authenticated by signature and date from the individual responsible for managing said account. This requirement is in alignment with established case law, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nEXHIBIT A CREDITOR DISCLOSURE STATEMENT Collector ( Assignee ) Information : Name and Address : [ Collectors Name and Address ] Debtor Information : Name and Address : [ Debtors Name and Address ] Account Identification : [ Account Number ( s ) ] Assignment Terms : Please delineate the terms of assignment for the subject account, including any associated documents or facsimiles evidencing such terms. \n\nInsurance Claims : Indicate whether any insurance claims have been filed by any creditor or assignee in connection with the aforementioned account.\n\n[ ] Yes [ ] No Tax Deduction Claims : Confirm if the stated balance of this account has been included in any tax deduction claims to date.\n\n[ ] Yes [ ] No Products or Services Detailed Account : List the specific products or services provided by the collector to the debtor, along with the associated monetary amounts for each. \n\nValidation Failure or Refusal Consequences : Please acknowledge that upon a failure or refusal by the collector to validate this debt collection action, the collector must relinquish all claims against the debtor named herein and will be responsible for reimbursing the debtor for all resulting legal costs and attorney fees incurred in defense against this collection action.\n\nAuthorized Representatives Signature : ____________________________________________ Date : ____________________________________________ Compliance Notice : You are required to return this duly completed form alongside all pertinent assignment or transfer documents substantiating your right to collect on this debt. Incomplete submissions or failure to provide necessary documentation precludes consideration of your claim. Pursuant to the Fair Debt Collection Practices Act, non-compliance with this validation request mandates that your claim be disregarded and may expose you to liability for damages resulting from continued attempts at collection. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nREQUESTED INFORMATION AGREEMENT AUTHORIZING THE COLLECTION OF ALLEGED DEBT This document serves as an agreement between ________ XXXX XXXX, XXXX ( hereinafter referred to as \" Creditor '' ) and the client, granting Creditor the authority to collect the alleged debt. \n\nCreditor is required to answer the following questions by checking the appropriate checkbox. If any insurance claims have been made by any entity holding the Debtor 's account, Creditor must select the checkbox labeled \" Yes '' below the first question.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\nYes No Creditor is also required to indicate if any judgments have been obtained by any credit regarding this account, by selecting the checkbox labeled \" Yes '' below the second question.\n\n2. Have any judgments been obtained by any credit regarding this account?\n\nYes No If no insurance claims or judgments have been made regarding the account in question, Creditor must chec\nk the box labeled \" No ''.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\n2. Have any judgments been obtained by any credit regarding this account?\n\nNo If Creditor has filed any paperwork with the courts resulting in any judgments regarding the account in question, the checkbox labeled \" Yes '' below the question beginning with the words \" Have Any Judgments ... '' should be marked.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\nYes No 2. Have any judgments been obtained by any credit regarding this account?\n\nYes No If no judgments have been made regarding the account in question, the box labeled \" No '' must be selected.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\nYes No 2. Have any judgments been obtained by any credit regarding this account? \nYes -No The blank space that precedes the label \" XXXX XXXX, XXXX '' shall be completed with the Debt Collector 's full name. \n\nPlease provide the name and address of the bonding agent for \" XXXX XXXX, XXXX \" in the event that legal action becomes necessary. \n\n__________________________________________________________________________________ __________________________________________________________________________________ __________________________________________________________________________________ Most Debt Collectors are required to have a bonding agent in place, either actively involved or retained, should they be called upon. The legal name and mailing address of this agent should be provided on the lines below the statement \" ... In Case Legal Action Becomes Necessary. '' In case legal action becomes necessary. \n\n__________________________________________________________________________________ __________________________________________________________________________________ __________________________________________________________________________________ The Creditor, typically a financial institution rather than an individual, must appoint an Authorized Signature Representative to physically sign the line labeled \" Authorized Signature Of Creditor. '' The Authorized Signature Representative shall also enter the current calendar date on the line labeled \" Date. '' Authorized Signature of Creditor : __________________________________________ Date : _______________________ EXHIBIT B NOTICES TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( \" FCRA '' ), as amended, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( \" CRAs '' ). These responsibilities are found in Section623 of the FCRA. State law may impose additional requirements. All furnishers of information to CRAs should become familiar with the law and may want to consult with their counsel to ensure that they are in compliance. The FCRA, 15 U.S.C. 1681-1681u, is set forth in full at the Federal Trade Commission 's Internet website ( XXXX XXXX XXXX ). Section 623 imposes the following duties : General Prohibition on Reporting Inaccurate Information : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( \" CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( l ) ( A ) and ( a ) ( l ) ( C ) Duty to Correct and Update Information : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section623 ( a ) ( 2 ) Duties After Notice of Dispute from Consumer : If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific Information is inaccurate, and the information is in fact inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( l ) ( B ) Duties After Notice of Dispute from Consumer Reporting Agency : If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by th","date_sent_to_company":"2025-04-02T01:40:26.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"33324","tags":null,"has_narrative":true,"complaint_id":"12770396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"First Federal Credit Control, Inc.","date_received":"2025-04-02T01:15:24.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["If your establishment or the company you represent continues to report negative marks on my credit reports without <em>proper</em> <em>validation</em>, I advise you to ensure all records are accurate and <em>validated</em>. It would be advisable that you and your client assure that your records are in order before I am forced to <em>take</em> legal action XXXX XXXX XXXX XXXX Please provide the following : 1."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"company_public_response":["Company believes it acted <em>appropriately</em> as authorized by contract or law"]},"sort":[13.939728,"12770396"]},{"_index":"complaint-public-v1","_id":"11356954","_score":13.105877,"_source":{"product":"Debt collection","complaint_what_happened":"According to 15 USC 1692g Ask for debt Validation XXXX. I want you to send me a detailed list of the history of payments made by me on this account XXXX. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor XXXX. I am asking to see has there been any insurance claim found on this debt XXXX. I want prof You have the chain of title to collect on this debt Im about to sue XXXX for statutory damages and actual damages for reporting incorrectly to my credit reports. filling with the IRS for fraud. \n\n\nREQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants PORTFOLIO RECOVERY the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or any other verifiable proof Debtor has a Contractual obligation to pay Debt Collector. \nAny agreement that bears the signature of Debtor wherein agreed to pay Creditor. \nAll statements while this account was open. \nHave any insurance claims been made by any creditor regarding this account? \nXXXX XXXX XXXX XXXX XXXX XXXX Have any judgments been obtained by any creditor regarding this account? \nXXXX XXXX XXXX XXXX XXXX XXXX Please provide the name and address of the bonding agent for ______________ in case legal action becomes necessary : _____________________________ _____________________________ _____________________________ Authorized Signature of Creditor ______________________________ Date : ______________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. \nYour claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act. \n\nPlease allow 30 days for processing after I receive this information. \n\n\n\nCEASE AND DESIST ADDENDUM You are not eligible and do not have the right to collect in Texas You need to cease and desist all collects immediately and delete from all credit bureaus. \n\n\nI, XXXX XXXX XXXX, am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically 805 ( c ), and I would also like to request, In Writing, that no further telephone contact be made by your offices to my home or to my place of employment in reference to this collection. This addendum in no way admits or considers myself responsible for this debt. In addition, this addendum also requests for you to cease and desist the use, or potential use, of any third ( XXXX ) party to contact me in reference to this collection. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. \n\nIF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION. AND I Will BE FORCED TO TAKE LEGAL ACTION. \n\nRegards, XXXX XXXX XXXX DEBT VALIDATION LETTER XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX Dear PORTFOLIO RECOVERY, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. \nBe advised this is NOT a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and Validation is requested. \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 your offices provide me with competent evidence that I have any legal obligation to pay you. \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 XXXX ) this action may 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 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, and Defamation of Character. \nIf your offices are able to provide the proper Documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which 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 oof my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. \n\nIf your office 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 file and a copy of such deletion request shall be sent to me immediately. \n\nSincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for Validation. \nName and address of alleged Creditor : Name on file of Alleged Debtor : Address on File for Alleged Debtor : Amount of Alleged Debt : Date ( that this alleged debt became payable ) : Date of Original Charge or Delinquency : Was this Debt assigned to a Debt Collector or Purchased? \nO Assigned O Purchased Amount Paid if Debt was Purchased : $ XXXX Commission for debt collector if collection efforts are successful : _____________________________________________________________________________________ XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Texas XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Verification of Debt Request Re : Acct XXXX XXXX XXXXXXXX Amount in dispute : {$430.00} Dear PORTFOLIO RECOVERY, I am reaching out to you about the debt you are trying to collect. You contacted me by letter. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor Within XXXX 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 : The amount of the debt : The name of the creditor to whom the debt is owed : A statement that unless the consumer, within 30 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 : A Statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumers written request within the XXXX period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n\n\nInformation About the Amount and the Age of the Debt You must provide a complete accounting of the debt you claim I owe within 30 days of your Receipt of this letter. XXXX proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and Provide me with an affidavit that the statute of Limitations has not expired on this account. \nInformation about your Authority to Collect This Debt Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location, outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license. \nI further dispute this debt and invoke my rights under the FDCPA and any other applicable state Laws. \nI request that you suspend all collections activities and that your agency provide me with clear and convincing evidence that I have a legal obligation to pay you and/ or the original creditor for the amount in dispute. \nPlease note : If you have reported invalidated and inaccurate information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud and disparagement of credit under both Federal and State Laws. Accordingly, if any invalidated or inaccurate negative mark is found on any of my credit reports by you ( or the third parties that you Represent ), Demand is herby made to remove such negative marks while this debt is being disputed. \nPlease respond to this request within 30 days of the date of this letter. I need a response from you to make an informed decision about the alleged debt. In addition to Providing the above information, please let me know in writing if you are prepared to accept less that the debt you are claiming is owed. \nSincerely, XXXX XXXX XXXX x____________________________________ Date : ___________________________________","date_sent_to_company":"2025-01-02T16:28:09.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"774XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11356954","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-01-02T16:18:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["AND I Will BE FORCED TO <em>TAKE</em> LEGAL ACTION. \n\nRegards, XXXX XXXX XXXX <em>DEBT</em> <em>VALIDATION</em> LETTER XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX Dear PORTFOLIO RECOVERY, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. \nBe advised this is NOT a refusal to pay, but a notice sent pursuant to the Fair <em>Debt</em> Collection Practices Act, 15 USC 1692g stating your claim is disputed and <em>Validation</em> is requested."],"product":["<em>Debt</em> collection"]},"sort":[13.105877,"11356954"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":37,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":37}]}},"product":{"doc_count":37,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":6},{"key":"Credit card debt","doc_count":5},{"key":"Other debt","doc_count":3},{"key":"Rental 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