Product: Debt collection

This company has consistently refused to provide the documentation required to verify a debt. Instead of furnishing information from the alleged original creditor, they responded with paperwork prepared by the debt collection agency, which I do not recognize as valid. 

The debt in question included a current address for contact purposes that was not associated with me at the time of the alleged debt, further casting doubt on its validity. 

Additionally, the company responded with a completely different account number for this debt. The documentation provided was not from the alleged original creditor, nor does it contain any information that is reliable, accurate, or true. 

Despite reopening the case, the company continues to claim that they have answered all my questions. They resent the same document with a different address, a different account number, and a document prepared by the collection agency, not by the alleged original creditor. There is no signature, no proof of debt, and nothing in the provided documentation that can be proven to be true and valid. 

***Basically, in lame terms, this a lazy attempt by the company to hastily close the complaint, due to the fact that they are unable to locate the necessary information to validate this alleged debt. * Not only that, their zip code is different for for the dispute department on their website which highlights more of their under the table deception tactics along with the changing of the account numbers and falsifying the address. 

In light of your repeated failure to comply with legal requirements, I will be taking the following actions : Reopening the Complaint with the CFPB : I will formally reopen the complaint with the Consumer Financial Protection Bureau ( CFPB ), emphasizing your continued non-compliance and the discrepancies in your responses. The CFPB takes such violations seriously and may impose penalties or take enforcement action.

Contacting Credit Bureaus : I will report these issues directly to the major credit bureaus, highlighting the inaccurate and incomplete information you have provided. This will include a formal dispute of the debts validity and a request for its immediate removal from my credit report. 

Reporting to Trade Associations and Regulatory Agencies : I will notify relevant trade associations and regulatory agencies, such as the Federal Trade Commission ( FTC ) and state-level consumer protection offices, about your practices. These bodies have the authority to investigate and take action against companies that engage in deceptive and unlawful debt collection practices.

Potential Legal Action : If this matter is not resolved to my satisfaction within 30 days, I am prepared to pursue all available legal remedies. This may include filing a lawsuit against your company for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which could result in significant financial penalties, damages, and legal fees.

Your continued disregard for my rights as a consumer and the law will not be tolerated. I expect a prompt and thorough response, including the removal of this erroneous debt from my credit report. Failure to comply will have serious consequences.

It's baffles me that I have to teach them the law and codes due to their misconduct.

FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ] : Requires you to provide a copy of the original signed agreement from the original creditor to validate the debt. Your refusal or inability to provide this critical document is a direct violation of federal law.

FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] : Mandates accurate and complete reporting of information to the credit bureaus. The discrepancies in the account numbers and the failure to provide original creditor documentation violate my rights under the FCRA.