Product: Debt collection

XXXX XXXX XXXX XXXX in violation of FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 and 16929 ( a ) failed to provide Validation of debt of the fraudulent purchases made on my account and then filed a lawsuit case number XXXX XXXX XXXX XXXX without providing Validation of the fraudulent debt. 

XXXX XXXX XXXX  never provided the information requested to validate the debt. the response of XXXX XXXX XXXX XXXX is a total fabrication of the facts. The mailing address they refer to is not mine I have received no documentation to validate the fraudulent debt. 
Citi Bank and XXXX XXXX XXXX XXXX use Deceptive and illegal tactics to get a civil judgment without due process. An address was provided to them for service of Court documents and documents Validating the fraudulent charges made in my name and on my Home Depot account account The company responded on XX/XX/XXXX Dear XXXX XXXX, This letter is in response to the above referenced CFPB Complaint related to THE HOME DEPOT CREIT CARD account number ending in XXXX issued by Citibank , N.A . It appears that this is your third CFPB Complaint related to your Account. In your complaint, you state : XXXX XXXX XXXX XXXX in violation of FCRA 605 ( b ) ( 15 U.S.C. 1681 c-2 and 16929 ( a ) failed to provide Validation of Debt of the fraudulent purchases made on my account. Then filed a lawsuit case number XXXX XXXX XXXX XXXX without providing Validation of the fraudulent debt. For your desired resolution, you state : Stop all further actions on fraudulent charges Our firm conducted an investigation of your claims, and the facts are as follows : Initially, we wish to point out that we are not subject to the Fair Credit Reporting Act Section 1681c-2. This section relates to obligations of a credit reporting agency and blocks of information by such agencies in connection with identity theft. XXXX XXXX XXXX XXXX is neither a reporting agency nor does it report to credit reporting agencies. We have, however, complied with all requirements related to the Fair Debt Collection Practices Act. Your account was initially placed with our office in or about XXXX, XXXX. When you received your first communication from us, you requested that we validate the obligation and also made a Complaint to the CFPB alleging that there was fraud related to your account. On XX/XX/XXXX, your account was recalled so that Citibank could conduct a fraud investigation regarding your account. Our response was sent to the address you provided in your complaint, being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This response was returned by the USPS. Our client determined that, based on the information available to it, including any information provided by you, there was no fraud related to the account. When the account was replaced with our office in XX/XX/XXXX, you submitted a second CFPB Complaint. Our response to the CFPB Complaint provided you with a copy of a validation letter with supporting documentation sent to you on XX/XX/XXXX and also included a request that you provide us with information that was sent in compliance with California Civil Code Section 1788.18. ( Copy enclosed. ) The United States Court of Appeals have held that verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed ; the debt collector is not required to keep detailed files of the alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The United States Court of Appeals for the Ninth Circuit, which has jurisdiction over California matters has adopted the same rule. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Our office has complied with the federal law by previously providing you four ( 4 ) separate validation of debts that contained the following documents : 1. A Copy of the final monthly billing statement 2. Copies of currently available monthly billing statements 3. A copy of the application for the above referenced account 4. Terms and Conditions. Our records further indicate that you have not returned back a completed copy of the Fraud Questionnaire or the ID Theft Letter to assist with the investigation, despite our requesting information to support your fraud claim on numerous occasions. Our client has conducted a number of Fraud Investigations regarding your account. None of the investigations have uncovered any fraudulent creation or use of your credit card account. Unless you can provide specific information, as requested by our prior communications with you, there is nothing more that we can do to assist you in investigating your fraud claims. Our firm will not resubmit your fraud claim to our client unless and until you have provided us with the information requested in our enclosed letter dated XX/XX/XXXX. If you have any questions, please feel free to contact our office at XXXX and one of our representatives will be glad to assist. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX_CFPBXXXX XXXX XXXX XXXX XXXX