Consumer complaint received 2019-02-28
Company: Van Ru Credit Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Last 4 of SS # : XXXX   Van Ru Credit CorporationXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX  RE : VR File # XXXX To Whom It May Concern, This letter is regarding VR File # XXXX, which you claim I owe {$850.00}. This is my formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Van Ru Credit Corporation.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA.

Pending the outcome of my investigation, ( BECAUSE I HAVE NEVER OWNED A XXXX CARD ) of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter ( now a legal document ) with ALL of the requested information may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims that have been made by any creditor regarding this account.

4. Name and address of alleged creditor.

5. Name on file of alleged debtor.

6. Alleged account number.

7. Amount of alleged debt.

8. Date this alleged debt became payable.

9. Date of original charge off or delinquency.

10. Verification that this debt was assigned or sold to collector.

11. Complete accounting of alleged debt.

12. Commissions for debt collector of collection efforts that is successful.

Please provide the name and address of the bonding agent for VAN RU CREDIT CORPORATION in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from Van Ru Credit Corporation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief