Product: Debt collection

Dear Directors of FTC, CFPB, FDIC, and Classaction Atty., and XXXX XXXX XXXX, and the Clerk of the XXXX XXXX Division : This letter/email is concerning XXXX XXXX XXXX XXXX getting this suddenly, unexpected false and deceptive Notice from Jormandy LLC. , telling him a civil suit was filed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX There a fraudulent, deceptive judgment was entered on behalf of XXXX XXXX, against, XXXX XXXX XXXX XXXX, alleging a debt is owed in an amount of {$16000.00} to XXXX XXXX, and Jormandy, in an amount of {$18000.00}. 


XXXX XXXX clearly disputes, challenges, and demands herein that the district court vacate the fabricated, deceptive judgment ; And, that on this reply letter, XXXX XXXX 's credit report be cleared of these multiple criminal frauds consumer violations of the FTC Act and his Constitutional Due Process violations be promptly and immediately remedied. 


XXXX XXXX disputes, challenging that there was no proper use ( s ) of the legal process that would comply with the Federal Rules of Civil Procedure and VA. Civil Rules, 8.01, Due Process in the Service of Process on XXXX XXXX XXXX which does not comport with his Constitutional Due Process Rights under the 14th Amend. XXXX XXXX  and XXXX XXXX have not had any legal connections nor have either done any business in more than three ( 3 ) years. 


On these facts, XXXX XXXX  has deliberately abused, defamed, and intentionally caused with malicious intent, by XXXX XXXX  and Jormandy, to further cause personal and financial harm and its resulting damages to XXXX XXXX 's reputation, integrity, and negative publicity from their combined criminal conspiracy. 


However, his Rights were clearly violated by XXXXXXXX XXXX XXXX co-conspirator, who was to properly serve XXXX XXXX, months or years before this fabricated and concocted debt was ever filed in a court, before now sending him this debt notification letter. 


Both, XXXX XXXX and Jormandy further did violate XXXX XXXX 's Consumer Protections under the Federal Trade Commission 's Act, pursuant to l15 U.S.C. 1681, et seq., 1692, et seq., and 15 USC ( a ). ) The Fair Credit Reporting Act, 15 U.S. Code 1681s2- " Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish [ ] informa- tion relating to a consumer to any credit reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate. '' And, " If ( a ) credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In [ ] case of a willful failure to comply with FCRA..., the company can be liable for actual or statutory damages and punitive damages. '' The Fair Debt Collection Practices Act ( FDCPA ), ( 15 USC 1692 et seq. ), became effective XXXX XXXX. It was designed to eliminate abusive, deceptive, and unfair debt collection practices, such as what XXXX XXXX  did and its coconspirator, Jormandy, has shown by exhibit herein, by its fabricated debt collection letter sent to XXXX XXXX. 


XXXX Unfair Deceptive and Abusive Practices - FDCPA Federal Deposit Insurance Co...

" A debt collector in collecting a debt, may not harass, oppress, or abuse any person.. .. '' The Fair Debt Collectionl Practices Act of XXXX. Under this Act ( Title VIII of theConsumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct, ie, " willfully, knowingly, or corruptly, falsifying by fabrication adebt against a consumer on behalf of another with an underlying intent of causing a consumer to pay a debt he or she does not owe. '' Or, " [ b ] uying a fabricated debt from a financial institution 's illegal conduct to obtain a judgment based on fraudulent conduct of a financial institution to obtain payment for a false, fabricated debt. '' Their illegal acts as illustrated and shown from XXXX 's selling to Jormandy, a fraudulent debt, constitute clear violations by XXXX XXXX and Jormandy, in their planned scheme to further engage in fraudulent, deceptive conduct to collect a consumer debt, XXXX XXXX never owed or incurred for personal, family, or household purposes under XXXX. 


Jormandy , LLC, was then and now is acting as an agent for XXXX XXXX, when it engaged in a criminal conspiracy. 


" A Conspiracy has been defined in the United States asan agreement of two or more people to commit a crime, or to accomplish a legal end through illegal actions. Conspiracy law usually does not require proof of specific intent by the defendants to injure any specific person to establish an illegal agreement. '' Under that definition, XXXXXXXX XXXX XXXX unnamed employee ( s ) committed these criminal acts in concert with Jormandy 's employee, XXXX XXXX. Whereby, both parties used their positions in their respective company 's to commit fraud, fraud on a court, with a result of attempting to defraud XXXX XXXX out of the above stated amount of money, through their plan or scheme to use the XXXX XXXX XXXX XXXX to obtain from the Court an illegal default judgment. 


Whereafter getting that illegal default judgment from the General District Court, both conspirators continued to initiate their plan or scheme to intimidate XXXX XXXX, by further violating the Federal Laws and violating State and Federal Consumer Protection Statutes and Acts of FTC. ( See, Def. Exh. A ). 


Whereas, I, XXXX XXXX XXXX, do certify that I do not owe any money, debt, to XXXX XXXX. I also hereby dispute, challenge, and demand Jormandy 's, XXXX XXXX, Collections Specialist, with XXXX XXXX XXXX  unnamed co-conspirator ( s ) to promptly erase vacate, and rescind immediately within 10-calendar days from this date, XX/XX/XXXX ; and, that XXXXXXXX XXXX and Jormandy, jointly or separately provide me with all relevant documents, information, and details for your criminal intentions to fabricate, falsify, deceptively target XXXX XXXX, who is retired from XXXX, living in poverty on {$12000.00} a year, Social Security XXXX 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jormandy Letter.