Consumer complaint received 2022-11-05
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Thank You for looking at my efforts to resolve this situation with Credit Corp Solutions , Inc. I sent two debt validation letters, but Credit Corp Solutions , Inc failed to respond and send me ANY information to validate this debt. The company sent me papers in XX/XX/XXXX suing me in Court. Recently, I received a letter that I have a court date on XX/XX/XXXX. I believe that Credit Corp Solutions , Inc is in direct violation the FDCA and I wish to resolve this issue expedidoustly by them validating this debt. Look, I do not think you can trust this company. They have over a 163 complaints in your database. Here is the letter I sent to them. 

Debt Validation/Requesting Authorization & Validation of Any Debt You Say I Owe AFFIDAVIT OF TRUTH AND FACTS XX/XX/XXXX Credit Corp Solutions , Inc. needs to establish Validation/Ownership of Debt, establish your legal right to collect my information, & demand payment since youre reporting this debt on my Consumer Report. 

Credit Corp Solutions , Inc. needs to establish Validation/Ownership of the alleged debt you say I owe along with your legal right to collect this alleged debt and demand payment since youre reporting this debt on my Consumer Report. 

Credit Corp Solutions , Inc. understands all the laws regarding the FDCPA in accordance with 15 US 1692, the Fair Credit Billing Act, my states Fair Debt Collection Practice Act, the Fair Credit Reporting Act Section 623, Section 617, Box Section 605, 605A, and 608.

Credit Corp Solutions , Inc. admits they have FIRSTHAND KNOWLEDGE that is in question the Original Creditors name and all general accepting account procedures and policies that require to COLLECT this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Corp Solutions , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Document : XXXX XXXX XXXX : XXXX XXXX Dated Filed : XX/XX/XXXXXXXX XXXX XXXX Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Credit Corp Solutions , Inc., I have never heard of you or your company. As a matter of fact, I have no idea who you are. Im not playing No Games! So let me get straight to the point and set the expectations up front because Ive never done any business with you, ( Credit Corp Solutions , Inc. ) Who are You! I dispute ANY DEBT you say I owe your company, any of your clients, customers, or whoever youre collecting for! Furthermore, I Dispute owing any Debt associated with you! Please note that this is not a refusal to pay off the amount, but a notice sent as per the Fair Debt Collection Practice Act ( FDCPA ) ,15 USC 1692 ( G ) Section 809 ( B ). This notice is NOT a request for verification of the account or proof of any mailing address, but a request for VALIDATION made pursuant to the FDCPA laws. I humbly request that your agency/office send me valid proof of the claim that I am legally obligated to pay you. As you know already, failure to comply with the FDCPA will put your company in a bad position with the FTC. 

Please provide me with the below mentioned items : *The amount of the debt. 
*The name of the creditor to whom the debt is owed. 
*A statement that unless the consumer, within thirty days after receipt of notice, disputes the Validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
*A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification of judgment will be mailed to the consumer by debt collector ; and *A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different, from the current creditor. 
*An explanation showing me how you have computed the amount *Copies of any documents that prove I agreed to pay the alleged amount *The identity of all the original creditor *Copies of all letters sent to me from you and from the original creditor *How much did you buy the debt for *Copy of the application for credit as I need to see exactly what debt you are trying to collect *Copy of the cardholder agreement ( the contract ) and any amendments as this will show what the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me *Monthly statements from when I had a XXXX balance up to the final statement because I need to see all the charges, payments, credits, etc. to compare this with the cardholder agreement and see if the amount you are claiming is correct. 
*What is your authority to collect this debt as I have never done business with you. If you claim to any debt, you claim I owe, give me the full purchase agreement so I can see if you really own this debt. 
*Every charge and what was purchased, fee, payment, credit, & interest *What fees/interest was tacked onto the debt *How were the fees determined/How you calculated what you claim I owe *Complete payment history ; the requirement of which has been establish by Spears v Brennan, 745 N.E.2d 862 ( XXXX ) XXXX XXXX. XXXX XXXX. Please provide verification by line item ( with the goods received, when were the goods received etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 
*Date of Last Activity *My full, complete and correct social number that may help to identify me as the correct person you are trying to collect from. 
*Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
*The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 
Proof of photo identification ( i. e., drivers license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
Proof that this debt has not been written off as tax liability. 
Any other intimate knowledge of the creation of the debt by you, the collection agency. 
*Was this Debt Purchased or Assigned?

*Date of Original Delinquency ( You should have this ) I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal. Please notify me of a time and place so both you and I for the above referenced inspection or you can send it in the mail. Please not a remnant of a Bill of Itemized Document DOESNT Constitute Validation and please provide proper documentation bearing my signature showing that I have a Legal Binding Contractual obligation to pay this alleged account. Also, send me a copy of the Letter of sale and Assignment from the original creditor to your company ( Agreement with your client that grants you the authority to collect this alleged debt ). Coppola v. Arrow Financial Service, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XX/XX/XXXX ) -Information relating to the purchase of a bad debt is not proprietary or burdensome. 

In as much as this letter is in respond to a protractive claim on your part, any failure to satisfy this request within 30 days will be construed as your absolute Waive of any all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Section 623 ( a ) ( l ( A ) of the FCRA requires that a furnisher shall not furnish any information relating to a consumer to any CRA ( Consumer Reporting Agency ) if the furnisher knows or has reasonable course to believe that the information is inaccurate. Furnishers have been known to report information with actual knowledge of errors when the information doesnt reflect whats in their system. I hope that doesnt speak of your character. 

Last, I will accept ONLY your written communication. Do not call me, my neighbors, family members, my job, etc. Your failure to honor this request may constitute a violation of 15 U. S. Code 1666 and may result in legal action against you. You may want to consult with a competent legal advisor before your next communication with me. You know & I know you dont have the right to Collect a debt from me! As a Third Party, Ive had No Contractual Agreement with you. Sending me anything otherwise is unacceptable. Also, where is the authorization from your company to act on behalf of the original creditor. The form is notarized and would be supplied by the original creditor ( XXXXXXXX XXXX XXXX stating they transferred the debt to your company along with all rights being transferred to you XXXX Credit Corp Solutions , Inc. ). I need the Notarized Statement! Now since you have reported this Invalidated Account Information to XXXX, then I believe its regarded as a fraudulent action under both federal and state statues. Therefore, if you have reported this debt without Validation, and now I have a negative item reported on my consumer report, then I will be compelled to take legal steps against you for the below mentioned reasons if you have violated this law : *Violation of the Fair Credit Reporting Act ( FCRA ) *Violation of the FDCPA *Defamation of Character FDCPA Violations Falsely representing the debt is valid without verification, amount, and saying balance is due immediately when its not! 
Failing to Validate the debt in question while continuing further collection activity. Each violation carries a fine of {$1000.00} per violation! 

Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector as per the Fair Debt Collection Practice Act ( FDCPA ) ,15 USC { 1692 ( G ) Section 809 ( B ). Moreover, the way I see it, you, ( Credit Corp Solutions , Inc. ) can give me all the items especially the contract Im asking for, delete this debt of my CRA, and we can go about our business. By the way, if ( Credit Corp Solutions , Inc. ) informs the consumer reporting agency that the alleged debt was verified when it wasnt, Im letting you know there will be consequences and I will speak with a consumer protection lawyer since youre clearly doing business in my state. 

Im sure you know under FDCPA Section 809 ( b ), you are NOT allowed to pursue collection activity until this debt is validated. You should be made aware that in Beatley v Diem Corporation. No. XXXX XXXXXXXX XXXX  ( XXXX XXXX XX/XX/XXXX ) the court ruled that reporting a collection account is indeed considered collection activity. You should also note that this is not a request for Partial Validation but rather, a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 

While I prefer to not litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statues. I look forward to an uneventful resolution of this matter. Since Ive never had a contract with you, then prove to me you own the debt. 
Moreover, I am REQUESTING a copy of a contract or the original account level documents/purchase agreement. The Contract or Purchase Agreement must between you, the original creditor, and signed by all parties involving. I also promptly request that Deletion of any and all reporting that was made to all consumer reporting agencies. This letter and all other evidence may be provided to the Consumer Finance Protection Bureau. CFPB is authorized to investigate this matter and receive any and all information pertaining to this matter. If you choose not to comply with my demand letter, I may turn this over to my state attorney generals office and a consumer protection lawyer. Please forward back the Affidavit notarized as it shouldnt be a problem for you to do so since you have Firsthand Knowledge of this debt. 

Respectfully, XXXX XXXXXXXX XXXX XXXX  CFPB XXXX XXXX Communicated this dispute with the CFPB to follow up with ( Credit Corp Solutions , Inc ) dispute process to make ( Credit Corp Solutions , Inc. ) complies with my request since youre acting as a debt collector. Please note that ( Credit Corp Solutions , Inc. ) is currently in Violation of the FDCPA. 

SWORN/AFFIRMED BEFORE ME at ( city ) ___________________________________, XXXX  on XXXX ___________________________________, _________________________________ Signature _________________________________ _______________________________ ( Seal ) A COMMISSIONER FOR OATHS IN AND FOR THE Collection Agency STATE of XXXX My XXXX XXXX XXXX _________________________________________

Company response to consumer: Closed with explanation