Consumer complaint received 2016-03-12
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Related Case XXXX Validation has not been supplied at my initial request for validation by Financial Credit Netowrk, please see my first and second letter attached. 

The first request for validation was sent on XXXX/XXXX/2016 and no proof has yet to be provided. No correspondence since my last complaint of any kind. At this point the damage has been done under FCRA and FDCPA, which will entitle me to {$1000.00} per violation plus attorney fees. In addition, this collector has contacted a family member about this debt and I have proof should I need to litigate this matter. I have obtained council and I do plan on persisting on with this matter should the Tradeline not be removed within 5 days from this complaint. 

Below is what was sent on XXXX/XXXX/2016 via certified mail. Second letter is attached. 

" FINANCIAL CREDIT NETWORK XXXX XXXX XXXX, ca XXXX RE : XXXX Validate Account Please re-investigate and delete Validate Account Please re-investigate and delete. This account is not mine! 


XXXX/XXXX/2016 To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you 're a licensed debt collector XXXX Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. 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 FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 

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 reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, 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. 

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 lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. "

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