Consumer complaint received 2018-10-22
Company: Rocky Mountain Capital Management
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am formally filing a Complaint against unverfied XXXX XXXX XXXX XXXX XXXX Sold to Rocky Mountain Capital Management LLC, this Complaint in is Responce to Unvalidated Collection entry placed by XXXX  XXXX XXXX.on the date of XX/XX/XXXX and on a continuous basis today XX/XX/XXXX.the negative tradeline Collection was reported to the Three mayor Reporting agencies CRAs by this Predetory Furnisher XXXX  XXXX for an undocumented amount with out my authorization of this event or giving me advance notice to dispute within 30 days according to FDCpractice Act 15 USC & FCRA Act.please note a Furnisher of information must submit A letter letter to a consumer explain the aledged dept in writing and give the consumer " The right to " Dispute '' according to the furnisher Rules Section 623 ( a ) ( 8 ) & Section623 ( a ) Fair Reporting Duties '' of Furnishers of information.and FCDCPA and FCRA act '' in Violation of my rights to dispute a claim '' for approximately " two '' years XXXX  XXXX XXXX has Fragrantly violated my rights debt beyond the Unvalidated certified mail I sent on two separate dates XX/XX/XXXXand XX/XX/XXXX they were given ample time under FCRA to Validate this Derogation entry on my credit file a disregard for compliance " please note I am a XXXX Handicap XXXX  XXXX veteran who has worked very hard at attaining a positive great rating and responsible payment history I have recently Discovered that I was denied V.A Funding for a home for my family through a Mortgage Company because of the Unverfied " Derogatory '' marks on my credit report by " XXXX XXXX XXXX XXXX I have lost the option to attain my home this has been a " Very demeaning '' act by XXXX XXXX in Violation of my HIPPA Right s and and '' act of mental " anguish to wait on a company that refuses to validate Collection and hides '' From there Violation of Rights of Consumer '' under the FDCPractice 'the CRAs also have responsibility to correct the discrepancy and Delete this Unvalidated Unauthorized & unverfied Derogatory " marks '' the CRAs only Responce 2as Item '' '' Was Verify '' without investigation of the Creditor Furnisher XXXX XXXX XXXX '' an act of " Defamation '' I will use all my legal resorces and Legal Attorneys to File a Law Suit in response if no actions are taken by Rocky Mountain Capital Mannagement LLC & XXXX XXXX XXXXi am demanding that the Furnisher debt collector for XXXX XXXX XXXX they will fully anacted neglegently is Responce to none notification if alledge debt '' I formally requesting Documentation ( and the Failed ) Due to the inacuracies in my credit report I Demanded that they Submit to the three CRAs that the 2 Validation i previously sent I requested be in the form of a verified statement by a person with the original Knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently Disputed as a result of a return or falty or recalled Consumer product, was not utilized as a " '' Profit-and loss-tax deduction during the period it may have been payable please be advised I am requesting " competent '' evidence '' That I had some contractual obligation in relation to this Collection Tradeline '' and within 30 days off my prior Certified notice that you received on XX/XX/XXXX.duly noted '' answers these " demand '' and " '' Remove '' the associated negative Tradelines '' notification from my personal Credit File '' Report actions which " '' Contraindicate Evidence '' '' of your intent to abridge '' '' one or more Civil Rights '' Furthermore continued unsubstantiated Reporting of possible innacuracies to any third parties '' may Provide a basic for Formal Complaint bring filed pursuant to " federal statute '' in the interim prescribed regulation requiring Furnisher in compliance to federal regulation and accuracy under Definitions ( 12 CFR 222-41 )  rules governing the Furnishers and rules of information to CRAs Section 623of the Fair Credit Reporting Act ( FCRA ) Issuing guidelines by use by Furnisher Reporting the " accuracy '' of an the integrity '' of the information About a consumer they finish to CRAs.And the FTC governing the Regulations of complete accuracy '' please note This Creditor of an Unverfied debt the company XXXX XXXX/and the associateted companies in the United States District Court of Eastern District A case was filed against of a class action Lawsuits that alledges to be a Predetory Lender '' a proposal of warning and that XXXX XXXX the United States Attorney office in XXXX for plaintive. This case was filed on XX/XX/XXXX in XXXX XXXX against " XXXX XXXX XXXX   '' the lawsuit challenging XXXX XXXX claims of sovereign immunity from getting Suit ... plaintiffs also asserts claims for " excessive High Interested Rates above 12percent APR.as a Consumer who feel his rights were Violated by XXXX XXXX XXXX I'm demanding that they Deleted this Tradeline Emedietely.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation