Consumer complaint received 2023-10-29
Company: Miguel A. Maza & Associates, PSC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally address concerns arising from an alleged debt being pursued by XXXX XXXX XXXX  XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX. On or about XX/XX/2023, I received a letter in Spanish from XXXX XXXX XXXX  XXXX XXXX, XXXX. After employing online translation tools and consulting with native Spanish-speaking family members, I managed to comprehend the content of the letter. 
The said letter, dated XX/XX/2023, and received on XX/XX/2023, included a statement in XXXX that, when translated, reads as follows : " If you write or call us before XX/XX/2023, we must stop collection of any amounts you dispute until we send you information showing you owe the debt. You must use the form below or write to us without the form. You may also include documents that support your dispute. We accept disputes electronically at XXXX. '' ( Copy of Original Spanish letter included for your record ) In response to this letter, on XX/XX/2023, I reached out to XXXX XXXX XXXX  XXXX XXXX, XXXX via email, and subsequently, on XX/XX/2023, I sent a written correspondence via XXXX Mail Certified with Return Receipt Request, ( Certified Mail Signed for by XXXX XXXX XXXX  XXXX XXXX, XXXX representative on XX/XX/2023 ) copy of letter and Certified Mail tracking Info enclosed for your reference. 
In both my email and written communication, I made several requests in an attempt to exercise my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 
In my correspondence, I explicitly informed XXXX XXXX XXXX  XXXX XXXX, XXXX, that I am not a native Spanish language speaker or reader, and my primary language is XXXX, which I utilize in all of my business dealings. I expressly requested that all future correspondence with me be conducted in the English language to ensure clarity and understanding. 
As a consumer, I believe that there may be erroneous information on my credit reports related to the alleged debt, and I have formally requested a full validation and verification of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically codified under 15 U.S.C. 1692g, which grants me the right to request such verification. 
I am writing to follow up on my previous letters sent to XXXX XXXX XXXX  XXXX XXXX, XXXX, regarding an alleged debt being pursued by XXXX XXXX XXXX  XXXX XXXX, XXXX, on behalf of XXXX XXXX XXXX. An additional development in this matter has raised concerns regarding possible violations of the Fair Debt Collection Practices Act ( FDCPA ). 
In a letter dated XX/XX/2023, and postmarked on the same date of XX/XX/2023, although not received until XX/XX/2023, ( Photo Copy of Letter and Post Marked Envelope Attached ) I received correspondence from XXXX XXXX XXXX  XXXX XXXX, XXXX, stating that I had until exactly XX/XX/2023, to dispute the alleged debt or request full validation/verification. Regrettably, the letter failed to provide any of the requested alleged debt validation that I had initially sought in my lawful request letters sent to XXXX XXXX XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX and XX/XX/2023. They even disregarded the statement which they had included in their letter dated XX/XX/2023 and received by me on XX/XX/2023 that when translated, reads as follows : " If you write or call us before XX/XX/2023, we must stop collection of any amounts you dispute until we send you information showing you owe the debt. You must use the form below or write to us without the form. You may also include documents that support your dispute. We accept disputes electronically at XXXX. '' XXXX XXXX XXXX  and XXXX, XXXX has not sent me any information to show, validate, or verify that I owe this alleged debt. 
This additional letter raises concerns as it appears to disregard my previous requests for debt validation made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which grants consumers the right to dispute the validity of a debt and request verification within 30 days of receiving the initial communication regarding the debt. 
XXXX XXXX XXXX  XXXX XXXX XXXX insistence that I had until XX/XX/2023, to dispute the alleged debt without providing the previously requested validation is a potential violation of the FDCPA, which requires debt XXXX to respond to a consumer 's dispute and provide validation of the debt within a specified timeframe. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX that they must cease collection activities for this purported debt as they have violated FDCPA requirements. 
I am deeply concerned about these developments and the potential violation of my rights under the FDCPA. I kindly request that XXXX XXXX XXXX XXXX XXXX address this matter promptly with XXXX XXXX XXXX  XXXX XXXX XXXX which seems to be a company that XXXX XXXX XXXX XXXX has contracted to perform collection activities on their behalf relating to this alleged debt. I am attempting to ensure that my rights as a consumer are upheld and respected in accordance with the law. 
Due to possible inaccuracies on my credit reports, I must demand that the alleged debt be proven as mine. I hereby lawfully request that the proof be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the alleged debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.

Please be advised that I am not requesting verification of my contact information ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  blatant disregard of the Fair Debt Collection Practices Act, and my rights as a consumer, has caused harm to me by seriously affecting my otherwise unblemished credit rating, leading to the denial of credit, as well as causing me to be charged higher interest rates and unfavorable loan terms. 
As per the FDCPA, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure, in addition to such additional damages as the court may allow. 
You are hereby notified that XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX  actions are detrimental to me and that this company which is representing your company may have violated various consumer protection statutes, including but not limited to the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
I am extremely concerned regarding the harmful resultant consequences of the company which you have contracted and their actions. If this matter is not resolved expeditiously, I will take any and all necessary steps to protect my rights. 
The alleged debt and collection activity/tradeline must be deleted from my credit files with the three major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX XXXX XXXX 5 days from the receipt of this letter. Forward a letter to me via the address you have on file stating it has been removed and will not reappear on my credit reports again. I will accept nothing less. 
Please be aware that if these accounts are not deleted within 5 days of receipt, I will file a formal complaint with the Federal Trade Commission, my state 's Banking and XXXX XXXX, the Consumer Financial Protection Bureau, and the Better Business Bureau.

For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of yours or any company that may represent XXXX XXXX XXXX claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 
I am writing this letter to notify you of my concerns and to assert my rights as a consumer under the FDCPA. It is imperative that any further communication regarding this alleged debt is conducted in the English language, and I kindly request that you acknowledge receipt of this letter promptly. 
Please be aware that I am monitoring this situation closely and will take the necessary actions to ensure that my rights are upheld and respected in accordance with the law. 
I look forward to resolving this most expeditiously, XXXX XXXX

Company response to consumer: Closed with explanation