Consumer complaint received 2022-02-09
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Please accept this letter as my formal debt collection dispute letter. 
I. WHAT YOU NEED TO KNOW : 1. The original creditor lacks legal standing to collect the alleged debt ; 2. The original creditor does not own the alleged debt ; 3. The original creditor is not in possession and/or control of the documents and/or witnesses necessary to prove its alleged claim against the alleged debtor ; 4. The original creditor does not own or possess the right ( s ) to receive all or any payments or amounts allegedly due or owed pursuant to the alleged credit/loan agreement ; 5. The original creditor failed to provide a method of verification for the alleged debt ; 6. The original creditor claim is barred, in whole or in part, by the applicable statutes of limitations ; 7. The original creditor claim is barred, in whole or in part, by the applicable principles of waiver, ratification, latches and/or estoppel ; 8. The original creditor claim is barred, in whole or in part, by the doctrine of unclean hands ; 9. The original creditor lacks standing to bring debt collection because it has no business relationship with the alleged debtor ; 10. I believe the original creditor violated the Federal Truth In Lending Act ; 11. I believe the original creditor violated the Fair Credit Reporting Act ; 12. I believe the original creditor violated the Fair Debt Collection Practices Act ; 13. The original creditor is not the real party in interest ; 14. The alleged debtor did not receive a copy of the alleged credit/loan agreement from the original creditor, or anyone else ; 15. The alleged debtor has never seen the alleged credit/loan agreement and therefore could not have agreed to its provisions. Accordingly, the alleged debtor could not have breached the provisions of the alleged credit/loan agreement ; 16. I DENY all statements of the alleged creditor. Be advised, the Court of Appeals ruled that an itemized list of the alleged charges does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. Please adopt by reference the following case : See. XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, XXXX ) ; 17. The defense of the alleged debtor is based upon documentary evidence.

II. PLEASE PROVIDE ME WITH THE FOLLOWING : 1. Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2. Please provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor, bearing my wet-ink signature ; 3. Please provide proof when the original creditor claims this debt became due and when it became delinquent ; 4. Please provide a copy of the last billing statement sent to me by the original creditor ; 5. Please provide late payment notice and/or account closing notice provided by the original creditor ; 6. Please provide a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor, authorizing your firm to engage in collection activities on their behalf against the above-alleged account ; 7. Please provide a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 8. Please provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; 9. Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( XXXX # 's XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ; XXXX. Please provide verification and/or copy of any judgment if applicable ; 11. Please provide proof of any interest, fees or other charges expressly authorized by the credit/loan agreement ; 12. Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of debt collector ; 13. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 14. Please provide a Statute of Limitations expressly authorized by the credit/loan agreement ; 15. Please provide documentary evidence for the method of verification of the alleged debt.

Company response to consumer: Closed with explanation