This complaint is filed with this Administrative Tribunal because Alridge Pite LLP. has sent a written response to case # XXXX directly to me by XXXX on XXXX/XXXX/XXXX ). However, they have chosen not to go on RECORD with the CFPB with their answers or response. THEREFORE, for the record I incorporate Exhibit XXXX ( Alridge Pite Response ) as if fully set forth herein. This is also to advised this Administrative Tribunal that contrary to what Alridge Pite, LLP. climes in its response to Compliant number XXXX, ( see EXHIBIT XXXX response ), the complaint IS NOT A DEBT VALIDATION OR VERIFICATION request. And even if it was misconstrued to be a request for debt validation or verification, a lenders foreclosing attorney, staff attorney or general counsel can not lawfully validate or verify debt on behalf of a lender for the following reasons : 1. A request for debt validation or verification requires An Affidavit from the Servicer/Lender, not the Foreclosure Attorney, and must accompany the copy of the documents being used to validate the debt, and the affiant must have firsthand knowledge of the transaction they are swearing to or validating. 

2. This administrative tribunal must take note that Alridge Pite, LLP. has responded to my complaint with a written document sent by XXXX delivery, and is posed as a response to a request for debt validation or verification. No such request has been made. 

3. Since Alridge Pite LLP. has made no official response to the CFPB regarding Case number : XXXX, The lack of a response to this Administrative Tribunal is unethical in that Alridge Pite LLP. will be completely avoiding making a statement on the record that has been proven false by very credible evidence already on record in this case. See EXHIBIT XXXX, ( XXXX XXXX unrecorded written response sent to me by U. S. mail ), then see EXHIBIT XXXX, ( Alridge Pite LLP. written response sent to me by XXXX on XXXX/XXXX/XXXX ). They have not place any of these answers on record with this Administrative Tribunal. It is an effort to evade the scrutiny of the CFPB and other regulating authorities. 

4. The reason Alridge Pite LLP. and XXXX XXXX has avoided making a statement on record is because they are unlawfully using the previous purported secured lenders name who no longer owns the debt/account. The previous lenders name is a pretexts, to continue foreclosing or threaten to foreclose on my property. Alridge Pite LLP. and XXXX XXXX knows that collection on the now charged-off and closed account, as to both secured or unsecured debt is now time barred. 

5. This is a case where XXXX XXXX bought collection rights to an account that both XXXX XXXX and XXXX, ( the seller ) knew or should have known were already charged-off and closed on or before XXXX XXXX, XXXX. 


6. Alridge Pite LLP. XXXX XXXX has employed this method of collection 7 times in the past 8 months, and I am sure it is being used in other situations on citizens ( it should be stopped ). 

7. The harassment has gone as far as to have representatives of XXXX XXXX stop by our place of residence and place door knob hangers on our door, asking us to call XXXX XXXX See EXHIBIT XXXX ( Home visit by XXXX XXXX Rep. ) 8. The harassment has gone as far as to have third parties to constantly contact us by U. S. Mail with numerous advertisements of verity options for loan modifications. See EXHIBIT XXXX ( Typical third party contact )