Product: Debt collection

Re : Account No. XXXX Continued Debt Dispute, Consumer Rights Violations, and Immediate Demand for Compliance Dear Sir/Madam, I am writing to demand immediate compliance with my previous request for debt validation and to address multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my initial contact in XX/XX/XXXX and subsequent communications, XXXX XXXX continues to fail to meet its legal obligations. Chronological Events Regarding this Account : 1. XX/XX/XXXX : Mailed Certified Letter Requesting Debt Validation o On this date, I mailed a certified letter to XXXX XXXX requesting full validation of the alleged debt in accordance with my rights under the FDCPA. I demanded a signed agreement between myself and the original creditor, as well as proof of assignment and the monetary compensation accepted by California XXXX University for this debt. 2. Follow-Up Call to XXXX XXXX o After receiving no adequate response to my request, I called XXXX XXXX to follow up. During this call, a representative unlawfully requested that I pay {$1.00} to receive debt validation, which is a direct violation of the FDCPA. A consumer is not required to make any payment to receive validation of a debt. 3. Filed a Complaint with the Consumer Financial Protection Bureau ( CFPB ) - Case # XXXX o On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) under Case # XXXX due to XXXXXX/XX/XXXX ' failure to provide the requested debt validation. However, XXXX XXXX marked the case as a duplicate and did not properly investigate or resolve the matter, which further violates my rights. 4. Opened Another CFPB Case - Case # XXXX o After the initial complaint went unresolved, I opened another case with the CFPB under Case # XXXX, requesting an investigation into XXXX XXXX ' ongoing non-compliance with my original request from XX/XX/XXXX. Despite this, I received yet another letter from XXXX XXXX confirming their non-compliance, further substantiating their violations. FDCPA and FCRA Violations : Below, I have outlined the specific violations under the FDCPA and FCRA that XXXX XXXX is committing : 1. Failure to Provide Adequate Debt Validation ( FDCPA 15 U.S.C. 1692g ( b ) ) o Under the FDCPA, upon receiving a consumer 's request for debt validation, a debt collector must cease all collection activity until they provide the requested validation. This includes providing a copy of the signed agreement with the original creditor and proof of assignment. XXXX XXXX has failed to provide these documents, which is a direct violation of the law. 2. Failure to Cease Collection Activities ( FDCPA 15 U.S.C. 1692g ( b ) ) o XXXX XXXX has not ceased collection activities, including reporting this debt to the credit bureaus, while the debt remains in dispute. Under the FDCPA, once a debt is disputed, they are required to halt all collection actions until proper validation is provided. 3. Failure to Provide Proof of Debt Assignment and Transfer ( FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) ; FCRA 15 U.S.C. 1681s-2 ( b ) ) o I have requested proof of assignment and proof of the transfer of this debt from California XXXX University XXXX XXXX XXXX , including the amount paid for the debt. These documents are critical to properly validate the debt, yet XXXX XXXX has failed to provide any such evidence, violating both the FDCPA and FCRA. 4. Unlawful Request for Payment to Validate Debt ( FDCPA 15 U.S.C. 1692g ( b ) ) o During a phone conversation with a representative, I was unlawfully asked to pay {$1.00} in order to receive debt validation, which is an explicit violation of the FDCPA. Debt collectors are prohibited from requesting payment in exchange for debt validation. This request is not only inappropriate but also unlawful under FDCPA Section 1692g ( b ), which prohibits the imposition of any fees for validation. 5. Failure to Investigate CFPB Complaints ( FDCPA 15 U.S.C. 1692d, 1692e ) o After filing my complaints with the CFPB ( Case # XXXX and Case # XXXX ), XXXX XXXX failed to investigate and resolve the matter properly. Instead, they marked the complaint as a duplicate and failed to provide the necessary documentation and response. This behavior constitutes deceptive and misleading practices, as outlined in FDCPA Section 1692d and 1692e.