Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to you today to dispute the debt you are claiming I owe. Under the Fait Debt Collections Practices Act ( FDCPA ), you are required to provide me with a written validation of the debt within five days of your initial contact with me. I have not yet received this validation and am therefore requesting that you provide me with a chain of assignments for this debt, including the name and address of each entity that has owned the debt since it was incurred. 

1. Provide all assignments, transfers, and any other legal documentation, including all accounting of the account in question, to include Full Disclosure, Equal Consideration, Lawful Terms and Conditions, the accounting of transference of CREDIT or FRN ( FEDERAL RESERVE NOTES ) in their full amounts concerning this instrument and the account in question to include any CHAIN OF COMMAND ( S ) concerning this instrument.

2. Proof of Contract : With no evidence of perfected security, I require documented evidence that a valid, enforceable contract exists between us, demonstrating that I am legally obligated to pay the alleged debt. This documented evidence should include : - The full and unaltered contract, signed by all parties involved. 
- Clear and specific terms and conditions outlining the rights and obligations of each party. 
- Any amendments, addendums, or modifications to the original contract, if applicable. 
- The dates of inception and termination, if applicable, of the contract. 

Once I have received the debt validation, I will be happy to work with you to discuss an offer in compromise. I am committed to resolving this matter quickly and fairly, but I can not do so without first understanding the full scope of this debt. 

I would also like to remind you of your legal obligations under the Uniform Commercial Code ( UCC ). Specifically, UCC Article 9 prohibits creditors from reporting disputed debts to credit reporting agencies. In addition, if a debt is disputed, the creditor must remove any existing reporting from the credit report until the matter is resolved. 

I am requesting that you cease all collection activities on this account, including reporting to the credit reporting agencies, until I have received the debt validation and had an opportunity to review it. If you continue to collect on this debt without first providing me with the debt validation, I will be forced to take legal action. 

Please provide the name and contact information, including US mailing address, for the person personally responsible for handling this account at your agency. I will require this information to properly assess the debt and make an offer in compromise. 

Furthermore, please be advised that your response to this request is expected to be submitted in affidavit format, attested to be true, correct, and complete to the best of your knowledge and belief, under penalty of perjury. 

As always, the only acceptable form of communication is via mail to the address above. If your communication is not sent via this method, it did not meet proper service and will be returned ASAP. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon! 

Sincerely, - XXXX : XXXX. 
Natural Person, In Propria Persona, XXXX XXXX All Rights Reserved Without Prejudice