Consumer complaint received 2017-06-09
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted this company previously twice. I have previously sent this letter to Access Capital, without a reply. I am making one final gesture to have this taken care of. This is reporting on my credit report at this time. In addition, I contacted XXXX XXXX XXXX XXXX asking them about it on 2 occasions and spoke to the office manager trying to come to a resolution. She told me she would contact me back and let me know what we may be able to do. I never received a reply. This debt was written off by XXXX and I owe them no monies. In addition, I gave them no permission to forward my information to a 3rd party. XXXX 's referred me to Access Capital. Please see letter sent to Access Capital Below.
<P/> XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Access Capital Services XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Re : Ref # XXXX To Whom It May Concern : This letter is a reply to your letter stating that you have provided me Verification of a disputed acct you claim is mine, REF # XXXX, which you claim I owed {$350.00} plus an additional {$370.00} in interest. I have forwarded this letter to you once already on XX/XX/XXXX in response to copy your invoice for payment from XXXX XXXX XXXX, along with an invoice from Access Capital Services. I have received no reply to the last letter.
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In addition, as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
<P/> Access Capital is claiming this is verification of the debt.Yet again, you have failed to provide me with a copy of any viable evidence that I ever entered into a contract with Access Capital Services. In addition, you have provided no evidence that I ever authorized my information to be forwarded to Access Capital. <P/>
I REJECT and DISPUTE that I ever owed this and request verification with my signature of this alleged account. This is a formal notice of dispute of your claim of information contained on my credit reported by Access Capital Services. <P/> I REJECT and DISPUTE this claim by your company. The following is referencing Access Capital Services as THEY Based on Supreme Court Case Law 73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. Further, it states that they are a " Stranger to the transaction '' and a " mere volunteer. '' They do not qualify for subrogation, which is substitution, under the Doctrine of Subrogation.
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I did not agree for anyone to forward any information on me to your company and I entered into no contract with Access Capital Services. I am formally requesting all information being maintained by Access Capital Services  regarding the account referenced above be closed and deleted from all credit reporting agencies and no further collection activity pursued. In addition, I do not authorize you to forward my information to any other agency.
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Again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing that alleged account is being reported accurately. Be advised the description of the procedure used to determine the accuracy of completeness of the information is hereby requested. Additionally, please provide the name, address and telephone number of each person who personally verified this alleged account, so that I may inquire about how they verified the account without providing any proof, bearing my signature of a contract with Access Capital Services. <P/> I am again formally requesting a copy of any documents, bearing my signature, showing that I ever had a contractual obligation to pay the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and/or incomplete, and represents a very serious error in your reporting.
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I am maintaining a careful record of my communication with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the State Attorney Generals office, should you continue in your non-compliance of Federal laws under the Fair Debt Collection Practices Act and the corresponding local state laws.
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Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and/or incomplete, and represents a very serious error in your reporting.
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I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
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Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your Bank. I would be seeking a minimum of {$1000.00} in damages per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection practices Act ( including but not limited to Section 807-8 ) 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows.
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation