Consumer complaint received 2024-01-24
Company: Cascade Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Subject : Notice of Equitable Interest in Trust Account, Conditional Acceptance, and Request for Validation of Debt Dear [ Cascade Capital Funding LLC ], and its agents and trustees, Greetings, I hope this letter finds you well. I am writing to address the matter of the account [ Account Number ] currently in collections under your management. I, [ XXXX XXXX ], am the beneficiary of the [ XXXX XXXX XXXX LIVING TRUST ], and I assert my equitable interest in the account in question. 
While I acknowledge and appoint [ XXXX ] as the trustee of this account, it is imperative that we ensure proper documentation and legal standing in this matter. I kindly request the following information : XXXXriginal Trust Agreement : Please provide a copy of the original trust agreement governing the account to verify the legitimacy of the debt collection. 
Legal Title : Confirm the legal title and interest you hold in the property associated with the trust. Verification of this information is crucial for the transparent resolution of this matter. 
Signed Contract : A copy of the signed contract between myself and [ Cascade Capital Funding LLC ] Consideration for the Contract : Detailed information on the consideration provided by [ Cascade Capital Funding LLC ] as consideration is a crucial element of a valid contract. 
I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit ( trust ) reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit ( trust ) report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. Credit means trust in etymology and report means estate. So, my credit report is my trust report and is my property and estate. 
If your agency/ company fails to respond to this request within a period of ten ( 10 ) days from the date of your receipt of my notice then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. 
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing via email. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. 
If you are unable to provide the requested proof within the specified timeframe, you admit to not being a party of interest and acknowledge that you can not rightfully enforce the alleged debt claim. By law, all collection activities must cease until this matter is resolved, as the debt is officially in dispute. If you can not provide this proof I request you IMMEDIATELY report to the credit reporting agencies that this account is paid in full and you wont try to collect ever again.

Equity is centered around fairness and equality. Alleging that I pay an alleged debt without providing consideration is a form of punishment. Equity regards the beneficiary as the true owner, and the credit report you are furnishing to credit reporting agencies is my trust report, part of my estate. Everything is trust. Everything is an agreement and if anything has my name on it thats a legal title of my estate. Since you are furnishing this information that makes you the trustee, I request that you uphold your duties and settle the obligations to this trust and not sell it to another third party. 
Thank you for your attention to this matter. I anticipate your prompt and cooperative response. 

Sincerely, [ XXXX : XXXX XXXX Without Prejudice, All-Natural Inalienable Rights Reserved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation