Consumer complaint received 2017-10-04
Company: Immediate Credit Recovery
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and 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. 
What this means is that your company must be willing and able to produce a document in your files that proves the account in dispute belongs to me and the information is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT validated at all. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing  litigation in this matter to enforce my rights. 

Again, As per FTC opinion letter from Attorney XXXXXXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. What you have provided as validation is a print out. Not only is it a printout, but it has no letter head. This was itemized statement was printed out on plain printing paper form a XXXX Document and I am sure any Judge worth the bench he or she sits on will agree. I am demanding a contract between XXXX XXXX XXXX, XXXX. I have never contracted with you, I have never provided you my social security number, and I have never provided you my name or any of my personal information in order to contract with Immediate Credit   Recovery. Your company is in violation simply because you refuse to validate with a contract between Immediate Credit Recovery and myself. Furthermore The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. " Subrogation '' means to substitute. " Does not exist '' means is not allowed. " Stranger to the transaction '' means someone or some entity not on the original contract. This includes attempts to collect based on assignment, sale/purchase, or trade. The collector can not substitute himself to collect money because he believes he was assigned the task or he purchased the bad debt, or traded some bad debt for a different bad debt. I have never agreed to do business with your company - XXXX XXXX XXXX , XXXX-, your company is not mentioned on any contract I 've ever signed with anyone and I demand full validation, meaning a contract between you ( XXXX XXXX XXXX, XXXX ) and me with my true wet ink signature on it! The selling and buying of my personal information constitutes fraud, and for that I will gladly sue XXXX XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation