Consumer complaint received 2018-06-16
Company: CIS DIRECT LENDING
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent the Credit Bureau a letter to request under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) that they provide me with an audited statement of Account Number XXXX for the last 24 months showing when the due date on this account and when this account was processed. The credit bureau deleted this account ( XXXX XXXX XXXX ) off my credit report ( letter attached ) because XXXX XXXX XXXX did not provide proof of a valid claim. I highlighted in yellow the response on XX/XX/XXXX which stated All the credit reporting was complete accordance with the ( FCRA ). This reply was false and I proved it above with the deleted account from the credit bureau. I received a promissory note, security agreement, application for credit, and recorded mortgage which is all fraudulent because they have not showed proof of an alleged lawful claim to file this information. I asked for proof off an alleged claim which was to show there was an offer made, mutual acceptance, terms and conditions, consideration, and the wet ink signature signed by both parties and they did not provide this information. They also did not provide me with an ucc-1 financing statement showing they have a lien placed against my name for the loan they collecting on.

To comply with the Uniform Commercial Code in a state, a UCC-1 Financing Statement must be filed with the Secretary of State, by anyone who makes a claim against any other person in the area of commerce. All government agencies, ( city , county, state and federal ), operate in commerce and all of them are private corporations ( persons ). I applied for a certified ucc11 request from the Secretary of State and
XXXX XXXX XXXX is not listed as a lien holder ( letter attached ).

Also, I sent a second letter on XX/XX/XXXX and attached their fraudulent papers and they replied with The matter was previously addressed which is incorrect. They also replied with CIS will not respond to any future correspondence pertaining to this issue which is a violation of FDCPA because they did not provide proof of an alleged claim and they can not refuse my letters asking for validation and verification pursuant to 15 U.S. Code 1692 ( g ) of the Fair Debt Collection Practices Act.

I am asking the Consumer Financial Protection Bureau to demand CIS Financial Services provide the documents listed below : 1. Provide the Consumer Financial Protection Bureau the full accounting records in accordance with GAAP 2. Provide the Consumer Financial Protection Bureau the receipt the
company gave me for the loan at closing 3. Provide the Consumer Financial Protection Bureau with proof they gave me full disclosure according to the TILA Regulation Z 4. Provide the Consumer Financial Protection Bureau with A copy of the original mortgage loan contracts that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract 5. Provide the Consumer Financial Protection Bureau with evidence of where the money came from within their organization 6. Provide the Consumer Financial Protection Bureau with AN EXPLANATION why they do not have a lien placed against my name with Alabama Secretary of State I have also attached a debt validation letter for XXXX XXXX XXXX maybe the Consumer Financial Protection Bureau can receive a response because they replied back with they would not reply to another letter concerning the FDCPA which is another violation.

Also, I have attached a letter of default they sent me collecting on a debt they have not verified which is violation of FDCPA 805, 806.907,808,809 TO SUM UP ALL THE VIOLATION I HAVE LISTED IN THIS LETTER

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