Consumer complaint received 2020-10-19
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX Secured Party Attorney in Fact for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida near [ XXXX ] XX/XX/2020 Sent Certified Mail # BBVA USA XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) XXXX BBVA USA individually and the COLLECTION Current Owner : BBVA USA ( Hereinafter collectively referred to as XXXX, you, your ) RE : Alleged Account # Ending in XXXX ( Hereinafter referred to as a Loan ) Dear Mr. BBVA USA This is my timely notice to you and your agents that that the above alleged account was disputed, and the matter settled in full privately. In accordance with state and federal law, this is your NOTICE TO CEASE AND DESIST any further contact with me in any form, unless it is in writing, signed by a living soul, within ten days time of the date shown above, and you have delivered to me original, verified document as specified below proving your claim that : 1 ) The Secured Party has granted you permission to trespass on a private matter. 
2 ) The matter was something other than settled in full in a private matter.

3 ) The bookkeeping entries show as loan was made to XXXX XXXX from the lenders assets thereby proving the Lender took a risk in the alleged Loan transaction.

4 ) The Lender is in possession of original signatures for all transaction, but not limited to, the original loan agreement and transaction slips.

5 ) All statements by XXXX and/or its agents are based on personal knowledge as to the status of the alleged Loan ; 6 ) The Lender and/or the XXXX  has registered claim against XXXX XXXX 7 ) The Lender and XXXX  have strictly adhered to and, were completely correct and accurate and in compliance with the principles expressed in the Fair Debt Collections Practices Act hereinafter referred to as the FDCPA, in all reporting and all information they provide to Credit Reporting Agencies regarding XXXX XXXX 8 ) Every contact whether written or telephonic, to XXXX XXXX by XXXX  or its Agents, is in compliance with the principles of the FDCPA : 9 ) an attempt to collect upon a debt without providing proof of claim when demanded by the Secured Party is in compliance with the State Statutes and constitutes a valid claim ; 10 ) XXXX  refusal to return the bill of exchange that was tendered on the date constitutes something other than an exchange for closure and settlement in full of account. 
Failure to provide the above verified documents within 10 days constitutes your agreement that no such evidence exist and your agreement to cease and desist from any collective activity on said account. Should you fail to verify each claim on a point to point basis, your silence or failure will constitute your voluntary agreement to send, by certified mail a cashiers check within thirty ( 30 )  days of the date of billing by XXXX XXXX in the following amounts : 1 ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to XXXX XXXX, whether telephonically or in writing, which is not in affidavit form, regarding your unsubstantiated claims ; 2 ) Three times the value of any property, the enjoyment and use of which by XXXX XXXX, or the Secured Party is impaired as a result of XXXX  actions without having first provided documentation verifying your claim ; 3 ) XXXX XXXX Dollars ( {$5000.00} ) for each transaction initiated by XXXX XXXX where XXXX XXXX XXXX commercial liability is impeded due to you or your agents adverse credit reporting ; 4 ) XXXX  owes XXXX XXXX the amount of XXXX XXXX DOLLARS ( {$1500.00} ) for your unsubstantiated claims and triple damages 5 ) XXXX XXXX Dollars ( {$1000.00} ) for each court appearance XXXX XXXX or the Secured Party makes in response to XXXX  unsubstantiated claim ; and XXXX   also voluntary agrees to : 6 ) Authorize the Secured Party and XXXX XXXX to record a XXXX1 both on XXXX  and insert name individually as debtors to secure debt owed XXXX XXXX ; and 7 ) Prove his claim as a XXXX  in possession of XXXX XXXX XXXX property in an involuntary bankruptcy proceeding process. 
This matter is finally and totally settled. This is a private communication to you and your individual capacity and is intended to affect an out of-court settlement of this matter. Conduct yourself accordingly. 

Sincerely, with all rights reserved, By ; XXXX XXXX, Secured Party Enclosed

Company response to consumer: Closed with explanation