Consumer complaint received 2022-06-15
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Vance and Huffman , LLC has reviewed the complaint submitted by XXXX XXXX. Our records show our office obtained the XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. This account was originally opened XX/XX/XXXX. Funds obtained from this loan were deposited into the XXXX XXXX XXXX account ending in XXXX. Validation of this account has been supplied to XXXX XXXX in response to her disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account has been in a dispute status since XX/XX/XXXX and all collection efforts have ceased since that time. 

Then why is this account still reporting on my consumer reports. Again this is an alleged debt so please provide me with the proof I owed Vance and Huffman , LLC any alleged debt please show me where I have had an account with Vance and Huffman , LLC, a signed contract to pay you any fees or debts. Note this is not asking for any validation of debt in which you can not verify any debt or alleged debt I've never had with your company. This is asking if Vance and Huffman , LLC is in compliance with the FDCPA and a request of all documents requested below and in my previous complain in which you have not submitted to me. 

I also request the following documentations listed bellow to be certified and sent with your response. 

Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.

Notice To Agent notice to principal

Company response to consumer: Closed with explanation