Consumer complaint received 2017-05-19
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am attaching my DL and SS for  Bonnville collection.  I am appalled they say I am a " credit repair '' just because I CAN READ AND THE COLLECTION LAWS ARE IN BLACK AND WHITE IN ANY AMERICAN LIBRARY AND DEFINITELY ONLINE! I will give you ANOTHER letter I mailed and THEY REFUSED TO COMPLY OR RESPOND!!!!! I am taking the OBVIOUS WILFULL AND KNOWINGLY DISREGARD for COLLECTION AND CREDIT REPORTING LAWS > NOW SEE MY ATTORNEY!!     XXXX   XXXX   XXXX   SEE the case LETTER MAILED AND REFUSED TO RESPOND : Bonnville Collections has been disregarding my request for verification according to FCR A 623 and 611 on the account in which they currently have and report. I specifically requested and disputed to the cra 's the method of verification and want uploaded here to the cfpb as proof the complete payment history and CONTRACT for the account in which they are reporting. I requested the letter of assignment and PROOF they have legal right to collect, what the agreement between them and original creditor is ( also my legal right to have on any account reported on my name ) and proof of their collection license and in what states so I can contact their STATE agency. I also requested the FDCPA required letter of notification within 5 day s of r eporting or accepting a collection account. I ALSO request the FACT act letter of notification from the original creditor sent and received 30 days prior to EVER reporting a late or missed payment according to the FACT act.  Bonnville  Collection has disregarded all these request and responded with partial and incomplete verification and is lying to the reporting agencies and NOT providing ME the documentation that is legally required and my LEGAL right to have. I demand response and all documents be uploaded to the CFPB response so that I have evidence of their total disregard to abide by the FCRA and FDCPA and FACT act. Therefore warranting lawsuit and penalties per the FCRA. The original creditor must provide all documents and the collection agency according to the FDCPA must provide them to be within the law of credit reporting. This is complete and total violation of the FCRA credit reporting laws and will NOT be tolerated. I will use the response to present to the better business bureau and attorne  y Generals Office and the FTC as PROOF this company is reporting to the credit reporting agencies illegally and willfully doing so and will be fined accordingly.
Cease and desist was ABSOLUTELY mailed and now a BBB complaint will be filed for even MORE proof this agency is in TOTAL violation of collection laws. THE CFPB filed and response will be used as PROOF even in a Consumer Financial Protection Bureau that this bonnville agency in Utah is being told CEASE and DESIST which inclu  de ALL calls, emails, letters and reporting to credit reproters and is REFUSING. I will gladly seek with the help of my attorneys the {$3500.00} PER VIOLATION according to FCRA  616, 617, 621. Go ahead and read those. I am a human and my righ ts are being violated and I will seek every way possible including contacting your state collection regulator to PROVE you are NOT in compliance to collection laws OR credit reporting laws PER FCRA.     Go ahead and think you can blow me off and act like if anyone knows anything about ILLEGAL reporting and collection that you can STALL by saying it is credit repair. YOU WILL LOSE IN COURT AND I WILL PERSONALLY SEE TO IT. By the way you will be receiving a call from my attorney and faxes PROVING I have told you both ON the PHONE, BY MAIL and BY FAX. Then cry some pathetic excuse to CONTINUE to break the law!!!!!     Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation