Consumer complaint received 2021-12-02
Company: Harris & Harris, Ltd.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harris and Harris XXXX Illinois  LTD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL  XXXX Re : XXXX  XXXX To Whom It May Concern : Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. 

This letter is in response to my credit and your debt collection agency fraudulently Re-aging false dates which is illegal and that you the debt collector fraudulently furnished on a credit report and intentionally added on ALL three credit Bureaus report that I pulled. It is about an alleged debt that I feel I do not owe. Further, Per the Attorney General XXXX XXXX office, this alleged debt is past the statute of limitations and it time barred from further collection activity. When your debt collection company realized that it was past the XXXX ( time is run out ) you fraudulently changed the dates of the debt in order to re-start the clock and collect a debt that is not owed and slapped in on ALL three of my credit reports in hopes to extort me for money. 

CEASE and DESIST contacting me about this alleged debt in its entirety. I do not owe this alleged debt. Remove this alleged debt from my ALL THREE of the credit reports immediately. You are in direct violation of the FDCPA and the FCRA and local CT laws as well. You are in violation of CT State law Your collection agency is in violation of CT Gen Stat 36a-646 No creditor shall use any abusive, harassing, fraudulent, deceptive or misleading representation, device or practice to collect or attempt to collect any debt. Further, you are not only in violation of local laws you are in violation of Federal laws if you proceed. Further a collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If your agency persists in reporting old debts with updated activity dates, and therefore if it is not removed ASAP I will pursue a legal case against your agency. This is a blatant violation of the FPCPA, as well as local laws and the Fair Debt Reporting Act as this is fraudulent in the date reporting in order to try to collect. Im hoping that you will see the error of your ways, Im letting you know that I have no issue perusing every legal avenue against your agency, and I will pursue every and all legal avenues against your company and I have no issue reporting this willful and wonton conduct. You will not sell this false information to any other debt collector and you will not pursue this fraudulent alleged debt. Re-Aging a debt will cause me to sue you. 15USC 1692e ( 2 ) ( A ) see XXXX XXXX XXXX, XXXX Per the Connecticut  Fair Debt Collection Practices Act and according to the State of CT licensing roster you are not licensed in the state of Connecticut to collect a debt ( whether you purchased it or you are representing the are uncollectable as such. CEASE and DESIST contacting me as I do not owe any amount of this debt at ALL and it is considered harassment by the FDCPA to continue to contact me. Furthermore, you are not licensed in the State of Connecticut  to collect ANY Debt and this debt is invalid for ALL the reasons listed above. 

Therefore, I demand that this be removed immediately from ALL my credit reports, that you no longer contact me. You do not have my permission to contact me. I demand that you stop reporting this alleged debt and remove it from my credit reports ASAP. 

Cease and Desist all collection activity and derogatory reporting to the credit bureaus as this debt is invalid Further, if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission, the State of Connecticut Attorney Generals office and the Consumer Financial Protection Bureau. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation