Consumer complaint received 2023-08-16
Company: Financial Assistance Inc
State: WA
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:
In response to CFPB complaint # XXXX My name is XXXX XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against FINANCIAL ASSISTANCE INC ( FAI ), for violating a cease and desist notice they have received on XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair collection practices in the collection of alleged and non-validated debt. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. Attached is Exhibit A which is a copy of their response to CFPB complaint # XXXX. FINANCIAL ASSISTANCE INC ( FAI ) has refused to send requested validation document in Exhibit B. In Exhibit B, FINANCIAL ASSISTANCE INC ( FAI ) has been requested for competent evidence and validation pursuant to FDCPA 15 USC 1692g. I disaffirm any alleged agreement, whether implied or explict, that allows you to invade my individual privacy with these abusive, deceptive, and unfair debt collection practices. 

In Exhibit C, I repeatedly requested FINANCIAL ASSISTANCE INC ( FAI ) to send documentary evidence to FDCPA. Additional on page 2 of Exhibit C, FINANCIAL ( FAI ) was asked to answer all the question on Document # XXXX and to provide their Bonding Agent in the event legal action becomes necessary. Let it be recorded as Fact that FINANCIAL ASSISTANCE INC. ( FAI ) refused to provide any information to any questions and name of the bonding agent. Additionally, for the record ( FAI ) did not provide documentary evidence of validation of debt before furnishing to my consumer report on XX/XX/XXXX. FINANCIAL ASSISTANCE INC ( FAI ) committed multiple violations since XX/XX/XXXX under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If Financial Assistance Inc. ( FAI ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer, this has been a fraudulently furnished account with malicious forethought and malice as an attempt to bring harm to me and my financial reputation. 

For the record, FINANCIAL ASSISTANCE INC ( FAI ) stated it was assigned for collection on XX/XX/XXXX. This account was credit reported to the bureaus on or about XX/XX/XXXX, as is FAIs normal course of business. you will clearly see that FINANCIAL ASSISTANCE INC ( FAI ) has been violating and fraudulently with forethought and malice been furnishing this account on my comsumer report since XX/XX/XXXX. See Exhibit I, Exhibit J, Exhibit K, Exhibit L. Let it be recorded as fact that they claim to have sent proof of debt/demand for validation on XX/XX/XXXX. They had fraudulently furnished information on my consumer report for 22 Days. before their claim having sent a letter. FINANCIAL ASSISTANCE INC ( FAI ) stated FAI is in receipt of past demand of validation from this consumer. Proof of debt was sent to the address on demand for validation of XXXX XXXX XXXX XXXX, XXXX, WA XXXX on XX/XX/XXXX. FINANCIAL ASSISTANCE INC ( FAI ) did not provide a tracking number associated with that mail. If we assume it as the date is accurate according to FINANCIAL ASSISTANCE INC ( FAI ), that clearly is an admission of fraud for 22 days before said date. They clearly have not stopped committing fraud since XX/XX/XXXX till this day. Pursuant 15 USC 1692g ( c ), I have not validate this alleged debt and my failure to dispute the validity of this unlawfully furnished debt shall not be construed as an admission of liability. Financial Assistance Inc. ( FAI ) are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing this alleged debt to my consumer report that has not been validated since XX/XX/XXXX see Exhibit I, Exhibit J, Exhibit K, Exhibit L. 


As a federally protected consumer, FINANCIAL ASSISTANCE INC is continuing to committing identity theft. I have never given FINANCIAL ASSISTANCE INC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. For the record FINANCIAL ASSISTANCE INC ( FAI ) stated FINANCIAL ASSISTANCE INC ( FAI ) is a licensed collection agency contracted by XXXX XXXX XXXX to collect past due accounts. The accounts that XXXX XXXX XXXX places with FAI for collection are assigned. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). Let the record state the FINANCIAL ASSISTANCE INC ( FAI ) admitted to trying to collect an assignment of a defaulted note, illegally according to Article 9. Both FINANCIAL ASSISTANCE INC ( assigned ) and XXXX XXXX XXXX ( assignee ) are both liable for violations under 15 USC 1692e ( 12 ). In attached Exhibit D and Exhibit E you will the names of victims FINANCIAL ASSISTANCE INC ( FAI ) has fraudulently committed aggravated identity theft against. In Exhibit M you will find a copy of report filed with the Federal Trade Commission for aggravated identity theft of my identity. FINANCIAL ASSISTANCE INC ( FAI ) provided more names of identity theft, 4 other individuals { XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX } in the XXXX sent on XX/XX/XXXX I have not validated any alleged debt with FINANCIAL ASSISTANCE INC and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant 15 USC 1692g ( c ). Upon review of 2 XXXX ; s received XX/XX/XXXX, multiple billing errors were found. Exhibit G and Exhibit H, there clearly appears to be a billing error in the amount of {$4200.00} at quick glance of those two XXXX. For the record, FINANCIAL ASSISTANCE INC ( FAI ) stated that they were a licensed collection agency contracted by XXXX XXXX XXXX. For the record FINANCIAL ASSISTANCE INC ( FAI ) stated they only have a contract with one other party, XXXX XXXX XXXX. I do not have a Contract or any Agreement signed with FINANCIAL ASSISTANCE INC ( FAI ). As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving FINANCIAL ASSISTANCE INC any right to collect on this alleged debt. 

I have never received any documentation requesting validation from FINANCIAL ASSISTANCE INC, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If FINANCIAL ASSISTANCE INC, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. In Exhibit F, the agreement provided by FINANCIAL ASSISTANCE INC ( FAI ) proves the federally protected consumer never had an agreement with FINANCIAL ASSISTANCE INC ( FAI ) to collect this alleged debt. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt and has coerced payment. Any and all payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication including communicating through consumer reports and collection activity, of this and any alleged debts until FINANCIAL ASSISTANCE INC, can provide me with sufficient documentary evidence that I had any legal obligation to pay them. Account was fraudulently furnished to my consumer report on XX/XX/XXXX If this documentary evidence can not be produced and FINANCIAL ASSISTANCE INC, continues its collection efforts and or continues to report of this fraudulent account to consumer reporting agencies, I will file for litigation for actual damages caused and FINANCIAL ASSISTANCE INC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act. FINANCIAL ASSISTANCE INC shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.To my understanding there is no statue of limitation on the fraud committed by FINANCIAL ASSISTANCE INC ( FAI ) and will be held criminally liable if they continue reporting this fraudulent account. Deletions of this account XXXX from all consumer reports from all identities you have on file, will prevent further escalation of this matter if deletion occurs. 

Best regards Federally protected consumer XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation