Consumer complaint received 2016-12-13
Company: Grant & Weber
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a letter to follow up to my other XXXX letters dated XX/XX/2016, XX/XX/2016, and XX/XX/2016, regarding an inaccuracy on my credit reports, regarding account # XXXX, which they claimed is a collection with their organization. The letter was to request that they remove inaccurate information from my credit report immediately. 

I have enclosed the following exhibits for your review : XXXX. Debt Dispute Correspondence to XXXX XXXX XXXX ( Exhibit XXXX, bates nos. XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Exhibit XXXX, bates nos. XXXX ) XXXX. Copies of Sent Certified Mail XXXX Exhibit XXXX, bates nos. XXXX ) XXXX. Correspondence from XXXX XXXX XXXX, dated XX/XX/2016 ( Exhibit XXXX, bates nos. XXXX & XXXX XXXX They have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I have retained a copy of their signature and date of receipt, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) by not placing the disclosure within the required XXXX period. I have retained new copies of my credit reports, and they did NOT furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. I have attached copies of my credit reports. 

They have NOT provided any VALID proof that I ever agreed to owe them the amount listed on my credit report, or that the debt is even mine. Sending me a statement is not identified as legal proof according to the FCRA, FDCPA and XXXX. XXXX XXXX attached XXXX from XXXX XXXX XXXX with an attached bill, dated XX/XX/2016 as Exhibit XXXX ). 

Accordingly, they NEVER supplied the information below so that I can be fully informed and in fact validate that this debt is even mine : They have provided no information as to why they think I owe the debt and to whom I owe it, including : They did NOT indicate or explain the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

They did NOT indicate or explain if this debt started with a different creditor, you have NOT provided the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. In addition, they did NOT tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

They have NOT provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. They have NOT provided a copy of the written agreement that created my original requirement to pay. 

They did NOT provide a copy of the last billing statement sent to me by the original creditor. 

They did NOT state the amount of the debt when you obtained it, and when that was. 

They did NOT indicate or clarify if there has been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, they did NOT explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

They did NOT indicate or explain if there have been any payments or other reductions since the last billing statement from the original creditor, and you did NOT provide an itemization showing the dates and amount of each of them. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

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