Consumer complaint received 2023-06-08
Company: Opportunity Financial, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation and Request for Pay-to-Delete Agreement Dear Sir/Madam, Re : Account : XXXX/Opploans, XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing in response to the recent communication I received from your collection agency regarding an alleged debt associated with the above-mentioned account. This letter serves as a formal request for debt validation as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 
I hereby request that you provide me with the following information to validate the debt : 1. A complete breakdown of the debt, including the original amount claimed, any accrued interest or additional charges, and a detailed account history. 
2. Verification that your collection agency is authorized to collect this alleged debt and has obtained all necessary licenses and permissions in accordance with local and federal laws. 
3. Proof of my consent and agreement to the terms and conditions related to this debt, which should include a copy of the original signed agreement between myself and the original creditor. 
It is crucial that you provide me with a copy of the original signed agreement that demonstrates my acknowledgment and acceptance of the terms and conditions associated with this alleged debt. Without this documentation, I am unable to verify the validity of the debt and address it appropriately. 
In addition to the debt validation request, I also wish to explore the possibility of reaching a mutually agreeable resolution regarding this matter. If the alleged debt is indeed valid, I am willing to discuss a potential pay-to-delete agreement, whereby I would make a payment in exchange for the complete removal of any negative information associated with this debt from my credit reports. This arrangement would allow both parties to resolve the matter amicably and ensure that my credit history remains untarnished. 
I kindly request that you respond to this letter within 30 days of your receipt. Failure to provide the requested documentation or respond within the specified timeframe will result in the presumption that the debt is invalid and must be removed from my records. Please note that any further attempts to collect the debt without providing proper validation will be considered a violation of the FDCPA. 
I prefer to communicate in writing to maintain an accurate record of all correspondences. Therefore, I request that you refrain from contacting me via telephone or any other means, except in writing, until the debt validation process is complete. 
Thank you for your attention to this matter. I anticipate your prompt response and the provision of the requested documentation. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation