Consumer complaint received 2019-05-08
Company: Riverwalk Financial Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is knowingly, repeatedly and maliciously acting in direct violation of FDCPA by furnishing inaccurate, unvalidated data to my credit report maintained with the Credit Reporting Agencies. Their unethical behavior has had a significant negative impact on my ability to acquire fair credit terms and is causing me serious distress. 
I have provided multiple opportunities for XXXX XXXX XXXX ( XXXX ) to respond within FDCPA requirements of which they are bound to as Debt Collectors. The first opportunity was in XXXX, XXXX, when I received a communications from XXXX, dated XX/XX/XXXX, stating I owed a debt of {$1300.00} ( that unlawfully included interest ) from a creditor XXXX identified as XXXX XXXX XXXX ( Collection notice enclosed ). I immediately responded disputing the alleged debt and I asked for validation of the debt. I received no response from XXXX to my debt validation notice. ( My debt validation notice to XXXX and the corresponding signed UPSP Certified Mail return receipt from XXXX are enclosed ). 
I received no further communication from XXXX XXXX XXXX none. Instead of following their obligation to provide me evidence of the alleged debt as defined in FDCPA, they waited a year and reported the data as a negative collection account on my credit report in XX/XX/XXXX. So on XX/XX/XXXX, I provided another opportunity for XXXX to act within the law and immediately sent another communication to them outlining my concerns and, again, asked for validation of debt ( Second request for debt validation and signed XXXX Certified Mail return Receipt from XXXX are enclosed ). Once again, XXXX XXXX XXXX chose to ignore my 2nd request and provided NO COMMUNICATIONS to me whatsoever. 
And finally, after XXXX XXXX XXXX chose to continue to violate FDCPAs, I contacted the Credit Reporting Agencies and still no response from XXXX. 
XXXX XXXX XXXX failure to respond is only one of their many egregious FDCPA violations including the following ( Redacted copy of credit report enclosed ) : XXXX XXXX XXXX is in direct violation of FDCPA including : 1 ) Direct Violation Of 1692e Ineffectively Conveying The 30-Day Validation Notice XXXX demand for payment within 30 days directly contradicted my right to dispute debt 2 ) Direct Violation Of 1692e False or Misleading Representations Balance furnished to the Credit Bureaus and showing on my Credit Report is different than Collection Notice Creditor furnished to the Credit Bureaus and showing on my Credit Report is different than on Collection Notice 3 ) Direct Violation Of 1692g Failure to Respond to Consumers 30-Day Validation Notice XXXX XXXX XXXX repeatedly ignored my validation notice XXXX XXXX XXXX failed to mark as disputed on my credit report 4 ) Direct Violation Of 1692g Continued Collection Activities After Consumers 30-Day Validation Notice XXXX XXXX XXXX reported account to Credit Reporting Agencies, a collection activity 5 ) Direct Violation Of 1692f ( 1 ) Unfair Practices, Unlawful Collection of Interest XXXX XXXX XXXX unlawfully added interest to the balance they presented to me which differs from the amount reported to the Credit Reporting Agencies. 

As noted above, I have contacted XXXX XXXX XXXX numerous times with no response. I have read several XXXX and CFPB complaints stating XXXX also failed to provide debt validation. In those complaints I see that XXXX has a templated response stating, The documentation validating the debt can be ascertained by contacting us directly rather than filing a complaint such as this. Obviously, that is NOT the case and I hope that they chose to forego that statement in response to my complaint. Additionally, in these responses, XXXX provides a sort of narrative of a supposed debt. No contract, no receipts, no statements, no signatures, no bill of sale, nothing close to validation of debt. 
Please let me be clear, I am not asking for a narrative of an alleged debt. I'm not looking for someone's interpretation of information on a computer screen. I demand my legal right to validation of this alleged debt. With this complaint I am exhausting my final step in resolution of this matter prior to engaging legal remedies. Please review the list of violations above - these are facts. XXXX XXXX XXXX has acted unethically and illegal and held my credit hostage for far too long. Therefore, XXXX XXXX XXXX should immediately cease these illegal and harmful activities, cease all collection activities and remove all negative reporting from my credit reports.

Company response to consumer: Closed with explanation