Consumer complaint received 2017-05-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sprunger Law Office, LLC (IN)

I had cosigned a vehicle loan for a friend on    XX/XX/XXXX   . Said friend then moved to  XXXX  and stopped paying for the vehicle and put the vehicle into a repossession. I called the friend and picked up the vehicle from him and returned it to  XXXX   XXXX   XXXX   XXXX , located at  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX . I then asked for a receipt that the vehicle was returned and to ensure the vehicle would stop reporting as " 120 days past due '' on my credit reports. The woman named  XXXX  at the main branch said she would email me the details and my credit would be updated to reflect the turnover of the vehicle. This email was never received I later found  a " Repo Expense '' w as charged to the account while I received no payment for retuning the vehicle to them.   In Spring of   XX/XX/XXXX ,  I applied for a car loan and was denied due to an " open auto '' appearing on my credit report. I then send a certified letter on    XX/XX/XXXX   to bo th  XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX  at    Sprunger Law Office     requesting adequate documentation in accordance with FDCPA and FCRA and also that the debt had been disputed. Note : This letter was signed for on   XX/XX/XXXX  by   XXXX   XXXX   an d   XX/XX/XXXX   by  Sprunger Law Office  .  I received a return letter on   XX/XX/XXXX  f rom  XXXX   XXXX  at  XXXX   XXXX  that listed an itinerary of the debt and requested return contact within 10 days of receipt.   I responded to the retuned letter on    XX/XX/XXXX   , where it was signed for on    XX/XX/XXXX   , notifying  XXXX  that he had failed to provide proof of the debt bearing my signature and that per FTC  opinion  letter from Attorney  XXXX   XXXX   XXXX , he should be aware that a printout of a bill or itemized document does not constitute verification, and yet again requested supporting documentation.   On    XX/XX/XXXX     XXXX  sent a letter with documentation he deemed fit as support, but not all requested documents were attached within the send letter.   I then waited over 31 days from the initial sent letter and pulled my credit report to see that  XXXX   XXXX   XXXX   XXXX  had not remarked a dispute in accordance with the Fair Credit Reporting Act, Section  623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by  not placing the disclosure within the required  30-day per iod. I reminded him that  XXXX   XXXX   XXXX   XXXX  may be liable for their willful non-compliance, as per FC RA 623 ( a ) ( 3  ) - Responsibilities of furnishers of information to consumer reporting agencies  [ 15 U.S.C. 1681s-2 ].    As they have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or inaction  )  on their behalf may result in a small claims action against their company.   Note :   Sprunger Law Office  failed  to reply to my request via certified letter within 30 days of receipt. The final letters were signed for on    XX/XX/XXXX    by  XXXX   XXXX , and on    XX/XX/XXXX    by  Sprunger Law Office.