Product: Debt collection

Original complain to XXXX XXXX, once the complaint was file on XXXX XXXX XXXX XXXX file was transferred to a company according to the letter they summited with CFPB portal on XX/XX/XXXX seams to me this companies are backdating documents to commit fraud according to TSI a copy of a Bill is proof of the debt and the letter they send NO NAME OR SIGNATURE by anyone Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. 
Please send me a certified copy of your license to collect a debt in California. If you purchased this as a debt collections device to make money as a debt collector, you have 30 day to remove any and all unlawful on my credit report. Failure to respond in is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violations. 


This is the Original complain to XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX a  debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I recently received communication from XXXX XXXX XXXX in the form of an invoice and a copy of a phone bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, XXXX XXXX XXXX is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. 3. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. 4. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( 15 U.S.C. 1692g I kindly request that the Department of Financial Protection and Innovation thoroughly investigates this matter and takes appropriate action against XXXX XXXX XXXX if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. I am attaching copies of all relevant correspondence from XXXX XXXX XXXX  as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. Thank you for your time and consideration. Sincerely, 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