Consumer complaint received 2019-05-30
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/XXXX and XX/XX/XXXX I received billing statements from XXXX XXXX XXXX. I didn't have a XXXX credit card so I disputed it right away by certified mail return receipt asking for records or a contract showing that I have a credit card with them and received nothing in return. I have both receipts in my records. 

On or around XX/XX/XXXX Rausch, Sturm, Israel, Enerson & Hornik LLC of XXXX, WI. made an inquiry on this Consumer 's credit report. On or around XX/XX/XXXX I received a letter from Rausch, Sturm, Israel, Enerson & Hornik LLC stating that " my '' XXXX credit card had been referred to their office. Again, I disputed it through certified mail return receipt asking for validation pursuant to the FDCPA and they signed for it on XX/XX/XXXX. I asked specifically for the alleged contract with my authotized signature, a statement whether they are the true party in interest or whether XXXX XXXX XXXX was, show me where they suffered a loss, identify themselves as an assignee or a purchaser, a bill of sale if it was sold and the purchase agreement referenced in the bill of sale. Again, I received nothing in return. 

On or around XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXt of XXXX, XXXX made an inquiry on this Consumer 's credit file and serviced the account at some point but failed to apprise me the right to dispute the debt under the FDCPA. 

On or around XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX made an inquiry on this Consumer 's credit file. On or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX sent this Consumer a dunning letter stating the account has been placed with their office. Once again I disputed the debt under the FDCPA asking for the same stuff I had asked Rausch, Sturm, Israel, Enerson & Hornik LLC and again, received nothing in return. 

On or around XX/XX/XXXX XXXX XXXX XXXX placed an adverse account on this Consumer 's credit file. Consumer did not receive a written Notice of negative/adverse information placed on my credit file as called for in 15 USC 1681-2 (  a ) ( 7 ) ( A ) ( I ). 
On or around XX/XX/XXXX I received a letter from XXXX XXXX stating that the above referenced account from " XXXX Credit Card '' was sold to XXXX XXXX XXXX on XX/XX/XXXX in the attached Bill of Sale but no Purchase Agreement. I received nothing directly from XXXX XXXX XXXX and they have an obligation to this Consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) On or around XX/XX/XXXX Rausch, Sturm, Israel, Enerson & Hornik LLC made another inquiry on this Consumer 's credit file. 
On or around XX/XX/XXXX Rausch, Sturm, Israel, Enerson & Hornik LLC sent me another dunning letter stating that XXXX XXXX XXXX, Assignee of XXXX XXXX   referred this account to their office. On or around XX/XX/XXXX Rausch, Sturm, Israel, Enerson & Hornik LLC a one " XXXX '' signed for my dispute letter under the FDCPA and specifically asking for : * Chain of title *Bill of Sale from previous Creditor *Purchase Agreement referenced in the Bill of Sale *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; * Wet ink  signature contract *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Prove the Statute of Limitations has not expired on this account *Show me that you are licensed to collect in the State of Michigan * Provide me with your license numbers and Registered Agent * Show me where you suffered a loss I received nothing in return. 

On or around XX/XX/XXXX Rausch, Sturm, Israel, Enerson & Hornik LLC filed a lawsuit on behalf of XXXX XXXX XXXX. Alleging a credit agreement and an account stated.

Company response to consumer: Closed with explanation