Product: Debt collection

Subject : Dispute of Debt and Complaint Against Grant & Weber , Inc. and XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to dispute the validity of a debt allegedly owed to Grant & Weber , Inc. , and I request your assistance in addressing this issue. I do not admit to the validity of the debt, and I have concerns regarding how this matter has been handled by both Grant & Weber , Inc. ( the debt collector ) and the original creditor, XXXX XXXX XXXX XXXX ( XXXX  ). 

First, I wish to bring to your attention that XXXX has engaged in numerous illegal and unethical practices, including but not limited to threatening and harassing behavior. This conduct has caused me undue distress. Additionally, XXXX has reported several accounts on my credit report with three different balances and three different dates of closing, all related to the same debt. These discrepancies and inaccuracies have created confusion and concern regarding the legitimacy of the debt and the actions taken by XXXX. 

Furthermore, I would like to formally dispute the debt in question and request verification of the debt as outlined under the Fair Debt Collection Practices Act ( FDCPA ). XXXX, an employee at XXXX, informed me in a recorded conversation that this debt has been sold to Grant & Weber , Inc . However, if the debt has not been sold and they are simply collecting on behalf of XXXX, I expect immediate clarification on this matter. If XXXX statements are proven to be false or misleading, as I suspect based on my past interactions with several employees of XXXX, I demand a full explanation. 

If Grant & Weber , Inc. is indeed collecting on behalf of XXXX, I require documentation to that effect. Should it be determined that the debt has been transferred to your agency, I expect written confirmation of the sale of the debt, including all relevant details.

Furthermore, I want to make it explicitly clear that I will take legal action against both Grant & Weber , Inc. and XXXX if any of the following occurs : Grant & Weber , Inc. does not immediately cease and desist from all collection activities.

The debt is not properly verified as required by law.

I do not receive clarification as to whether this debt has been sold or is merely being collected on behalf of XXXX. 
Any further threats or harassment are made, or if illegal collection practices continue.

Under California law, specifically the California Fair Debt Collection Practices Act ( FDCPA ) and California Civil Code Section 1788.17, debt collectors are prohibited from engaging in any of the following illegal actions : Threatening criminal penalties or other unlawful actions related to the collection of a debt.

Using harassing, oppressive, or abusive conduct in connection with the collection of any debt.

Providing false or misleading information, including providing inaccurate account balances or multiple accounts related to a single debt.

Should these practices continue or if you fail to provide the required documentation and cease collection activities, I will pursue legal action and file complaints with the relevant authorities, including the California Department of Consumer Affairs, the Consumer Financial Protection Bureau, and the Federal Trade Commission. Additionally, I reserve the right to take this matter to court, where I will seek damages for the harm caused by these practices.

I expect a response from both Grant & Weber , Inc. and XXXX within 30 days to resolve this issue in accordance with the law. Please direct all future communications to me in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX