Consumer complaint received 2018-07-15
Company: Brown’s New Credit Bureau Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XX/XX/2018 In regards to this alleged debt, I am sending this complaint through the Consumer Financial Protection Bureau requesting the following documented information from your company : I would like this angency to provide me with the information in accordance with the " Fair Debt Collection Practice Act '' [ 15 U.S.C. 1692 et seq. ] 1 ) The original or certified copy ( NOT a photocopy ) of the parse synatx grammer document contract signed by the authorized representative of your agency and autographed by myself, that each individual entered into knowingly, intelligently, with full disclosure, and with a meeting of the minds saying that I owe you or your agency payment of this alleged debt, with both your agencies authorized representative 's wet ink signature and my wet ink signature.

2 ) Proof that this debt has not been " wrote off '' to an insurance company and claimed as a " business loss '' and redeemed through an insurance claim by the original creditor.

3 ) Proof that this debt has not been sold to your agency for a lesser amount, and if so the amount your company purchased the allege debt for.

4 ) Your agencies license to lawfully and legally to collect debt in the state of North Carolina and provide me with your agencies license number. I am fully aware of your license number in the state of Arizona which is XXXX. 

5 ) Validation of the alleged debt ( the actual accounting showing loss to your agency ) and the XXXX number of the alleged debt along with a copy of a completed XXXX and Total Amount Due statement.

6 ) Verification of your agencies claim against me ( either a sworn affidavit or hand-signed invoice ) 7 ) The original or a true and certified copy ( NOT a photocopy ) of the Original Note or Promissory Note ( Credit Agreement ) under penalty of perjury, that I have with your agency showing my agreement to pay to your company this alleged debt.

8 ) The name of the authorized representative from your agency who has carried out due diligence and what actions s/he has taken in regards to this alleged debt.

9 ) The contract between your agency and the original alleged creditor saying they gave your agency authority to collect the alleged debt with both agencies authorized representatives wet ink signature.

10 ) Proof that I was given FULL disclosure of any contract signed between your agency and myself, and/or I was I was given FULL disclosure of any contract signed between your agency and the alleged creditor.

11. ) Proof the Statute of Limitations has not expired on this account.10. ) Proof that I was given FULL disclosure of any contract signed between your agency and myself, and/or proof Please be advised, if your agency has reported invalidated information to any of the major Credit Bureaus, said action might constitute fraud under your Federal and State Laws. If any negative marks are found on any of my credit reports by your agency, this may result in a legal action against you or your agency for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Also, if your agency continues to attempt to collect any alleged debt, that I do not legally or lawfully owe to your agency that could constitute as : Violation of U.S.C. title 18 Section 872 ; attempts to extort Violation of U.S.C. title 18 Section 1341, 1342 ; Fraud and swindles, use of fictitious names through postal services ( Addressing alleged debtor by improperly spelled name/ALL CAPITAL ) If and when your agency provides me with ALL of the information requested above, I will require at least 30 days to investigate and verify ALL information provided.

NOTICE : The use of any statutes, codes, rules, or regulations by this alleged debtor, shall not be construed by your agency or any other person ( s ) or agencies that alleged debtor has submitted to, or entered into any jurisdiction of any agency or other person ( s ).

I do not give your agency consent to contact me by phone, I will be in contact with your agency only by mail.

If your agency can not produce all said information stated above and/or does not respond to this letter within 21 days, a dishonor has occurred and you agree to the following, 1. ) The alleged debt did not exist in the first place ; OR 2. ) The alleged debt has already been paid in full ; 3. ) There is not and never was a contract binding your agency and myself that was entered knowingly and intelligently stating I owe such alleged debt ; 4. ) Any negative remarks made to a credit reference agency in regards to this allegeddebt will be immediately removed ; 5. ) You or your agency will no longer pursue this matter, you or your agency will offset the balance of this alleged debt to zero ( 0.00 ) and close this account ; By : XXXX XXXX No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT PREJUDICE WITHOUT RECOURSE Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation