Product: Debt collection

First contact was via telephone on XXXX during which the representative was very aggressive in telling me that if I must honor the contracts I signed. I was not able to finish a sentence. His entire goal was to confirm and collect a debt and would not listen to reason. He refused to provide any identifying information including account number or the company 's mailing address even. I called back on XXXX and XXXX but my calls were forwarded to the same individual who completely refused to listen to me and told me that because I would not pay he was going to mark the account as a " refusal to pay. '' I asked to speak with a supervisor and eventually was transferred to a voice mail. I left a message but did not receive a call back. I eventually called on a day my account representative was not there and was able to obtain an account number from someone else. 

On XXXX, within 5 days of initial telephone contact, I issued a Debt Validation Letter clearly stating that this is NOT a refusal to pay but an attempt to try and gather more information about the claimed debt ( a copy of the letter is uploaded as documents here ). The letter was sent via email at XXXX. The same day, I also mailed the letter to XXXX at XXXX XXXX XXXX, XXXX PA XXXX. I asked that communication be made to my email address as my living situation is currently fluid.

Despite my request to validate the debt, aggressive telephone calls continued. I insisted that he identify himself and learned his name is " XXXX '' but with a mumbled last name. I tried advising him that I am represented by counsel against the creditor, XXXX XXXX, for injuries by daughter sustained. I also tried to advise that a debt validation letter has been issued and requested that all future communications be made in writing. I could not finish my sentences due to his interruptions. During the latest call, on XX/XX/2023, XXXX threatened litigation against me for the alleged debt. He used harassing and offensive language in trying to bully me into making a payment. His fall back question was always Are you refusing to pay this debt? If not, here are the forms of payment we take. Every single time I alluded to my Debt Validation Letter or circumstances he either cut me off or put me on hold for XXXX minutes. I specifically stated My position is clearly stated in the letter I sent which is NOT a refusal to pay. Despite this, he voiced his intent that my account will be flagged as a refusal to pay which will result in legal action against me. 

As of XX/XX/2023 I have received information that my XXXX XXXX has been impacted. I only assume that is because of this reporting. Per law, I have a legal right to request a debt validation here which I have properly done here. To date, this company has not provided any written communication to me but instead they continue to harass and bully me into trying to pay a debt, and now have made a reporting to a bureau which has adversely impacted my credit. They have never even notified me there is a debt in writing or provided any written response to my XXXX letter. Meanwhile any potential amounts owed are part of my own personal injuries claim against said creditor and as such should have been settled as part of that claim. The creditors failure to do so amounts to waiver any moneys owed. 

This credit collection agency has made me feel less than human. They do not observe or proceed to treat people fairly nor respectfully.