Consumer complaint received 2020-12-14
Company: Granite Edvance Corporation
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Office Executive. 


My name is XXXX XXXX, and I have received multiple letters in the mail and phone calls from companies such as yourselves wanting to collect an alleged debt. I am confused about what appears to be the same alleged debt coming from multiple sources. In regard to what seems to be a Student Loan. In order to narrow my confusion, I am requesting Validation and Verification of the alleged debt in its entirety from Granite State Management & RES. The validation of the alleged debt must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) 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 or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) 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. 
( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
I have not given Granite State Management RES any written instruction to obtain nor furnish Any of my personal information. Which reflects the invading of my right to privacy in which 15 U.S. Code 1681 - Congressional findings and statement of purpose declares that I have as a consumer. Granite Management RES has not received Any written instruction to obtain nor furnish any of my personal information. In which Granite Management RES must have that written permission according to 15 U.S.C 1681b - Permissible purposes of consumer reports. 
My request for Validation and Verification of the alleged debt should not only follow in accordance with 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. Which is the declaration under oath or upon the penalty of perjury. A response in an Affidavit of Truth under the penalty of perjury validating and verifying the alleged debt will suffice. 
If the alleged debt Can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. I Demand Deletion, Removal, and the alleged debt to show a balance of {$0.00}. I also want confirmation that the alleged debt shows a balance of {$0.00} as it would be proven that the alleged debt is indeed unvalidated, unverified, inaccurate, and incorrect. These are indeed violations to my consumer rights and could be compensated for under 15 U.S. Code 1692k - Civil liability. A fair resolution would be just to confirm the alleged debt to show a balance of {$0.00}.

Company response to consumer: Closed with explanation