Consumer complaint received 2018-03-01
Company: Merchants and Medical Credit Corporation, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously submitted a dispute with Merchants & Medical on XX/XX/XXXX in regards to an unidentifiable collection account on my CR. In the letter sent prior to the dispute with CFPB I requested VALIDATION of the debt I owe sent back in 30 days or delete it from my CR ; validation was never provided. 

On XX/XX/XXXX I submitted and complaint with miscellaneous evidence pleading my case, and the company showed no effort or compassion even with proof. They still failed to validate this unidentifiable debt. 

On XX/XX/XXXX I requested you allow me to validate the alleged debt. Show me evidence that I owe this debt, for example, signed contract and Identification Card. **SENDING A BILL IS NOT ADEQUATE PROOF, TO A VICTIM OF IDENTITY THEFT. If you are reporting the debt the company should be able to provide proof that I owe this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

From my complaint submitted on XX/XX/XXXX this company responded : This is the third CFPB complaint concerning this debtor. We have sent validation to the consumer showing that this debt is for the XX/XX/XXXX Spring/Summer Term. On the attachment to the consumer 's complaint it shows the consumer claims her wallet was stolen XX/XX/XXXX. This was after the debt in question was incurred. Again we state that the consumer has shown us no evidence that this debt is not valid. 

1. It does not matter how many times I complain ( more then 3 ), this debt does not belong to me and I am not going to just let the matter go on as if it does.

2. They never showed me any VALIDATION, they sent a bill that both myself and the credit bureaus alerted them about my Identity Theft situation. As allowed under the Fair Debt Collection Practices Act ( FDCPA ), I have requested numerous occasions that you allow me to validate the alleged debt by providing me with the following : a. What the monetary means you say I owe is for? 
b. Explain and show me how you calculated what you say I owe. 
c. Provide me with copies of any papers that show I agreed to pay what you say I owe. ( BY PROVIDING MY SIGNATURE ) d. Provide a verification or copy of any judgment if applicable.

e. Identify the original creditor.

f. Prove the Statute of Limitations has not expired on this account.

g. Show me that you are licensed to collect in my state.

**Because they have failed to do so they have violated the Fair Debt Collection Practices Act ( FDCPA ) Just sending a bill does not hold much proof, they have failed to prove that this debt belongs to me. They are having such a hard time providing me what I am asking because this debt is not mines, but you are still reporting on my Credit Report which violates the Fair Debt Collection Practices Act.

I have included : 1. My Transcript ( Which shows Spring Term XX/XX/XXXXXXXX  XXXX University, the incidence happened in Michigan ; it is not possible to be 2 places at once. ) 2. UPDATED copy of my Identity Theft Report made though the Federal Trade Commission **The Federal Trade Commission is now investigating, and you will be contacted by my lawyer if this matter is not resolved.

Company response to consumer: Closed with non-monetary relief