Consumer complaint received 2024-09-22
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (FL)

NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and have challenged this debt as unathorized ; all you have provided me are statements and signatures to an account that you can not prove is mine. 

I have previously disputed these charges and this debt. 

You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt as they are disputed.

Please cease and desist all collection activities.

15 USC 1692c Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

This alleged debt has already been disputed, unvalidated and therefore is invalid. Thus, you shall delete this account and stop all collection activities regarding this account. 
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

FDCPA XXXX [ XXXX XXXX XXXX ] Legal actions by debt XXXX ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages and you pay my attorneys fees under The Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX