Consumer complaint received 2019-09-18
Company: Bilateral Credit Corp, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019, I received the letter from Bilateral Credit Collection Company Which I have no idea who they are and there letter was written as XX/XX/2019. They were saying that I owe about {$18000.00} and respond us back urgent. They called me mulitple times and send me a letter that if i don't respond back they will treat it as confirmed debt and will make me liable. I called them and nobody picked up and i left them 2 to 3 times voicemail that please send everything in writing do not call as I am practicing the Fairness act of Debt collections. 
Anyway i send them a detailed letter as followed below in text. 

Bilateral Credit Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX : Account No : XXXX To Whom It May Concern I do not consent to this debt and I totally dispute the validity of the debt in the above-reference account number # XXXX and would like verification from you of the obligation, the amount owed, and proof of a detailed valid assignment of the debt from the original creditor to you. I request everything to be send in written format and no phone calls or text messages. Please send me copies of all documents related to this dispute including along with the following questions answered. 
Q1 : Who you are you? Who do you represent? provide me a detailed contract copy if you are representing the original Creditor? Provide the facts and proof that you are the original representation?

Q2 : What is your direct number and what is the actual company headquarter address?

Q3 : What is your professional license information? Also are you registered in Washington state to send the dispute details as per law? As you are based out of state most probably you have to take retain local counsel?

Q4 : What was your process of getting the debt from the original creditor? what detailed information you asked or obtained? What was your verification process if it was actually a debt or a dispute? if you did not comply with the law to gather proper evidence of the claim disputes, you are already violating the law time.

Q 5 : Before sending the verification of the dispute, did you really investigated on your side what was the core issue why this all happened? 
Q 4 : Provide all the documents account records, invoices of claims and correspondence on what specific date?

Q5 : How you come up with this {$18000.00} amount and what is the breakdown of these charges?

Q6 : Based on my knowledge, Debt collectors signed a contract with the original creditor either on a commission basis or buy the debt for pretty cheap amount? By law and fairness Debt Collection Practices Act, you are supposed to provide all that information? How much was the actual amount you bought the debt or dispute for? Is there any documentation/ contract between you and the original creditor. 
Q7 : How can you seek verification and validation of the debt?

I am also exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C 1692, and demand that you cease all communication except with me, my family members and all other third persons. Also you have violated the law of Fair Debt Collection Practices Act, by calling multiple times on different dates to pressurize and threaten about the debt when I left a voice message and left a message to one of your agent not to call on my number. Please send me all things in written. 
You are here by notifies that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and to the State Attorney General 's Office. If you are not able to provide the answer to the above questions and proper researched verification of the dispute within 15 to 30 days of time then you are violating the FDCPA detailed Civil and criminal claims will be pursued.

I can not pay this debt as I do not consent and I do not validate this debt to be considered as a debt. I am already going through financial hardship, medical issues myself and for my family, and on top of this bilateral Credit collection continues calls and violated the law when even told not to call back that have put more pressure and created more stress environment for myself. 
Sincerely, XXXX XXXX They still called me and last time threaten me to take action against me and report my credit collection right away which they did not. About 2 to 3 weeks passed, then now i have received one more letter from them to call them urgently to resolve as they tried to resolve this case. First of all, I disputed and they failed to provide me with the proof and validity and their connection with the original creditor. They threaten me also voilated by calling me multiple times then it stopped but last time they called when i clearly mentioned al communication in written as my right. Then they started bashing out and said you are this and threaten to take action. funny thing is that there employees can not take control of this small small tasks, how come a company owner saying i am the owner and i do all the work lol it is funny to me, that means the workers are stupid and not capable of handling an danswering and resolving and seeing the case. Why the owner of the company will do basic paper work job and call like a customer service that is strange to me. They also have mishandling and putting false claims on other people and there are reports on betterbusiness burea. Anyway i have my proof of recording of leaving them message to just send everything in written and they still voilated it. Also I have the recording of the person who said I am the owner and i will report it right away and shut the phone and was not even listening.They need to know they have to pay for the compensation and my waste of time if they plan to drag it further. Also they need to stop this immediately otherwise I will report them.

Company response to consumer: Closed with explanation