Consumer complaint received 2017-06-27
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , fl  XXXX  To whom i t may concern, MG CREDIT NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of th e Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.  <P/> Despite my  three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported corre ctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?  <P/> As previously pointed out to you,  XXXX   Law Dictionary,   XXXX  Edition,   XXXX  , defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.  <P/> What this means is that your company must be willing and able to produce a document that proves the  account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), un der oath and under the penalty of perjury.  <P/> Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the  disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to p romptly DELETE all information which can not be verified.  <P/> Due to your continued willful disregard of the law I intend to pursue  litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.   <P/>  A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.    In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.  <P/> NAME OF THE ACCOUNT MG CREDIT {$790.00} Account #  XXXX   XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation