Consumer complaint received 2015-10-26
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ALLIANCE ONE RECEIVABLES MANAGEMENT XXXX FAILED TO PROVIDE WRITTEN NOTICE OF THE ALLEGED DEBT AS REQUIRED BY FEDERAL LAW Under the Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g ( a ), AND THEN REPORTED IT TO CREDIT BUREAUS TO WRECK MY CREDIT WITHOUT VALIDATING THE DEBT OR GIVING ME OPPORTUNITY TO REQUEST VALIDATION OF GIVE ME NOTICE OF MY RIGHT TO REQUEST VALIDATION, another violation Under the Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g ( b ). I request they immediately remove this from my credit report and all has fallen on deaf ears and they refuse to correct their errors and/or ommisions which appear to be willful and intentional infliction of distress and harassment. See my file attachements. 

Under the Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g ( a ), the debt collection agency must send a written notice to the consumer within five days of the initial communication containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; XXXX 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; XXXX 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and XXXX 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. XXXX See more at : http : XXXX # XXXX Alliance One has NEVER to date provided me such mandatory notice, and I have also received an official response from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX support that NO such mail was ever received at my address of record. Furthermore, prior to moving to the State XXXX, my official address was on record with the XXXX Department XXXX and updated with all XXXX XXXX ) Credit Reporting Agencies from the time I moved to date. At NO time, according to the XXXX Department XXXX XXXX XXXX was my driver 's license EVER suspended or revoked, nor has there EVER been a Failure to Appear on my official XXXX record. My CA Driver 's License expired on XXXX with NO adverse problems associated with my XXXX license. I moved from XXXX to the State of XXXX on or about XX/XX/XXXX. I have verification of all of these facts. Had Alliance One Receivables XXXX done their due diligence and contacted me, perhaps this whole mess could 've been avoided and corrected. Since they would rather view me " GUILTY '' tile proven innocent instead of following the Federal Law now they can read this DEMAND with my intention to SUE, as well as to " immediately remove from my credit report its derogatory entry reported on XXXX XXXX, 2015 '' and/or continue to be in violation of Federal law. 

Furthermore, Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g ( b ), if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall CEASE AND DESIST collection of the debt, or any disputed portion thereof,

Company response to consumer: Closed with explanation