Consumer complaint received 2022-09-25
Company: Kwikcash, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. 
XXXX XXXX XXXX XXXX XXXX, Authorized XXXX-In-Fact for : XXXX XXXX KWIKCASH XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX ALLEGED ACCT. NO. Unknown Alleged Amount Owed : {$1400.00} Alleged Last Date Active : Unknown RE : DEMAND LETTER : INACCURATE CREDIT REPORTING : FALSIFYING DEROGATORY TRADE : CEASE AND DESIST XX/XX/XXXX TO WHOM IT MAY CONCERN : This is a declared notice. It informs you. It means what it says. 
This letter is written in response to inaccurate derogatory trade lines illegally written upon XXXX XXXX credit by KWIKCASH INC, et.al. 
This letter memorializes XXXX XXXX correspondence ( attached hereto ) with KWIKCASH INC. et.al., but not limited to, XXXX XXXX XXXX attempts to resolve and/or work with KWIKCASH INC et.al. , but not limited to for several months in attempts to resolve and establish illegal and derogatory trade lines made by KWIKCASH Inc, et.al XXXX on XXXX XXXX credit report. 
Due to these futile attempts made by XXXX XXXX to be given fully compliant responses by KWIKCASH Inc, et.al., but not limited to, control and or possession to no avail, XXXX XXXX is filing a complaint with the Consumer Protection Financial Bureau . This letter memorializes that AFTER receiving a letter of debt validation from XXXX XXXX, KWIKCASH INC, et.al. IGNORED the request made by XXXX XXXX, and FURTHERMORE, KWIKCASH INC et.al. placed this alleged account with a third part collection agency, without giving XXXX XXXX prior knowledge. This derogatory tradeline is now on XXXX XXXX 's credit report under the name " XXXX. '' ( attached hereto ) No other details are given about this agency. 
XXXX XXXX, et. al. DOES NOT HAVE A CONTRACT WITH KWIKCASH INC, et.al, but not limited to. 
This letter memorializes that I, XXXX XXXX, am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT. As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account, and alleged amount owed. 
A copy of any documents provided bearing my wet ink signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. 
Verification of valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor. 
A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest. 
The date the original creditor claims this debt became delinquent. 
Whether this debt is within the SOL ( statute of limitations ), and how that was determined. 
Details about KWIKCASH INC, et.al. authority to collect this debt, whether KWIKCASH INC, et.al. is licensed in South Carolina and if so, provide the date of the license, name on the license, and license number, and the name, address, and telephone number of the state agency issuing the license. If KWIKCASH INC et.al. is contacting XXXX XXXX from outside South Carolina, provide the licensing information from KWIKCASH INC, et.al. as well so that I, XXXX XXXX, may possibly examine it. 
I give notice that I know nothing that would or could support alleged unverified and invalidated allegations/claims that are substantively baseless due to the lack of legally lawful evidence that has never been provided to me even after I respectfully gave several certified notices ( attached hereto ). I also gave notice of 30 days that explicitly stated regardless of their response, that their silence equates tacit. During the provided time period, KWIKCASH INC et.al. never substantively responded, and therefore agreed to set terms and conditions, and are therefore estopped from any further claims. 
I give notice that any automated response or XXXX  verification is unacceptable. I am requesting an investigation along with your method of verification. The item ( s ) in question are inaccurate representing a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If no response is received, I expect this item will be removed from my credit files immediately. 
I give notice and all correspondence is recorded for the record on the record to be made part of the record. 
I give notice I do not know the law. 
I declare to the best of my knowledge the foregoing is true and correct. 

FURTHER AFFIANT SAITH NOT Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non-waived. 
XXXX XXXX XXXX XXXX XXXX, Authorized XXXX-In-Fact for : XXXX XXXX Subscribed to and sworn before XXXX ( XXXX XXXX ) this XXXX  day of XX/XX/XXXX. 

Acknowledgment by Publication ENCLOSURES

Company response to consumer: Closed with explanation