Product: Debt collection

Harris & Harris LTD Re : Account # XXXX Demand for Proof of Securitization, Charge-Off, and Permission to Access Personal Information/ Cease ALL Communication To Whom It May Concern, I am writing to demand a full, detailed response to several serious questions about the alleged debt associated with Account # XXXX. You are in clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Uniform Commercial Code ( UCC ), and I am demanding that you immediately prove your legitimacy in attempting to collect on this alleged debt. I refuse to pay this alleged debt under FDCPA 1. Was This Debt Securitized? 
You are hereby instructed to provide proof of whether this debt has been securitized. If this debt has been bundled and sold off in any form of securitization, I demand to see the chain of title, including all documents showing the transfer of rights to the entity currently attempting to collect from me. Specifically : Provide proof that Harris & Harris LTD or any other entity currently holding the debt has the legal right to collect on it. 

Who owns the debt now? Was it sold, assigned, or securitized to any third party? If so, provide detailed documentation of these transactions. 

2. Has This Debt Been Charged Off?

I demand immediate confirmation as to whether this debt was charged off. Under FDCPA Section 809, if the debt has been charged off, you are required to provide me with a written statement that includes : The exact date of the charge-off. 

The original creditors name and account number. 

A statement of the charge-off that should be publicly recorded and available. 

If this debt has been charged off, I fully expect that any claims made by your company are invalid unless you can provide proof otherwise. If it has been charged off, you are not authorized to collect on it unless you have fully documented that the debt was legally transferred to your organization. 

XXXX Who Gave You Permission to Purchase My Information? 
Under FCRA Section 604, I demand to know the exact identity of the person or entity who gave you permission to purchase or access my personal information. It is my belief that your company has accessed my personal data without my consent, which constitutes a serious violation of my rights. Specifically, I require the following : Proof of the source from which you acquired my personal information, including my credit report or any other sensitive information. 

The permission granted to you to access my personal information, as required by law. If this was obtained without my knowledge or consent, you are committing identity theft under the law, and I will pursue legal action for this violation. 

4. Cease Communication Immediately Violation of My Rights : Let me make this clear : Under FDCPA Section 805 and 15 U.S.C. 1692c, you are prohibited from continuing to communicate with me. All communication must cease immediately, including any communications through third-party credit reporting agencies. If you continue to communicate with me, you are violating my consumer rights, and I will take immediate legal action, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ). 

Additionally, if you attempt to contact me again in violation of my rights, I will consider this harassment and will pursue every legal remedy available to me, including suing for damages caused by your unlawful actions. Do not contact me again unless you are sending me a check for damages sustained to my reputation. 

5. Violations of FDCPA and FCRA : Your attempts to collect on this alleged debt and your unlawful access to my private information are in direct violation of FDCPA Sections 807 and 809, which prohibit abusive, misleading, and harassing debt collection practices. Furthermore, your failure to provide the proper documentation constitutes a violation of FCRA and UCC provisions governing the handling of personal financial information and payment obligations.

6. Required Information and Accounting : You are also required to provide a complete accounting of the alleged debt under FDCPA Section 809 ( b ) and FCRA Section 1681s-2. Specifically, you must provide : A full accounting of all payments, interest charges, fees, and any other transactions associated with this alleged debt. 

The original contract with a wet ink signature, or any legal document proving that I legally owe this amount to your company. 

Documentation of any assignments or transfers of the debt, proving that you have the legal right to collect on it. 

XXXX. Legal Consequences : If you fail to provide the requested documentation within 15 days of receipt of this letter, you will be in clear violation of FDCPA and FCRA. I will immediately report this to the FTC, and other relevant authorities, and pursue further legal action. 

This letter is not a request for information ; it is a demand for your full compliance with the law. If you do not provide all requested documents and proofs by the stated deadline, I will consider your actions an act of fraudulent debt collection and will take immediate legal action to protect my rights and reputation. 

Sincerely, XXXX XXXX XXXX Without Prejudice, All Rights Reserved