Consumer complaint received 2016-11-17
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am formally requested that XXXX XXXX XXXX XXXX Regional Acceptance Corp # XXXX validate all tradeline notations they have submitted to the major credit reporting agencies on XXXX/XXXX/XXXX by '' Regional Acceptance Corp '' for me, XXXX XXXX XXXX XXXX for account number ( s ) Regional Acceptance Corp . 

This charged-off account is not mine, I never had an Regional Acceptance Corp that charged-off ( XXXX ) times, and if this alleged debt was mine, no original creditor or collector can show a charge off several times legally month-to-month re-aging purposely this account. 

FCRA 621 ( c ) ( 1 ) ( B ) ( 3 ) damages of not more than {$1000.00} for each willful or negligent violation ; and FACTA 312 ( d ) ( B ) Under FCRA 1681i and FACTA 312 you have continued to report a charge off month after month on my credit reports. We both know once an account is charged off the balance should go to {$0.00} and your insert this in to your profit/loss reports and you can not continue to report the said account as " charged off '' from there forward. By doing this you are considered re aging the account and have willfully violated FCRA 621 ( c ) ( i ) ( B ) ( 3 ) and are now exposed for ( xX {$1000.00} ) for the ( XXXX ) months you have violated my rights. Now we can settle this matter now or I can seek legal remedies by contacting XXXX XXXX, national FCRA/FDCPA Attorney, Thrift Supervision, OCC, and my XXXX or you can delete the above account and we all move forward. I look forward to your timely response - XXXX Consumer Due to possible inaccuracies in these CRA reports, I must demand that the validation/verification I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. 
A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX. XXXX XXXX, XXXX Haw. XXXX, XXXX XXXX XXXX ( XXXX ), XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX ), and XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ). and XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ). 

And yes, banks/lenders fall up under the The Freedom of Information Act ( FOIA ), 5 USC 552. section 47, XXXX XXXX XXXX XXXX. 1976, 539 F 2nd 174 U.S. App. D.C. 172 Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation, consumer protection encumbrance which incurred the original claims associated with this trade line. 
Please know that you have 7 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. There is no 180-day marker to justify a charge off status ( 48 ) times under the FCRA which is inaccurate reporting .Please prove the creditor/bureau is not violating my rights under FCRA-FCBA? 306. Billing practices The Truth in Lending Act ( 15 U.S.C. 1601-1665 ) When notified of a dispute about information furnished to a CRA,? 1681s-2 ( b ) obligates a person to conduct an investigation

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 explanation