Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2024 Vance and Huffman , LLC XXXX XXXX XXXX # XXXX XXXX, VA XXXX Subject : Demand for Immediate Removal of Inaccurate Credit Reporting, Cease and Desist Communication, and Compliance with Federal and State Laws Dear Vance and Huffman , LLC, I am writing to formally demand the immediate removal of all negative and inaccurate credit reporting related to the alleged debt you have reported to the credit bureaus. Your actions have violated several federal and state laws, and I am prepared to take legal action if this matter is not promptly resolved. 

Violations of Federal Law 1. ) Failure to Provide Notice Before Reporting to Credit Bureaus Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide notice of your intent to collect a debt before reporting the debt to credit bureaus. Your failure to do so constitutes a violation of this federal statute. 

2. ) Failure to Provide Required Documentation for Debt Validation I have disputed the debt on two separate occasions, and each time, you have failed to provide the necessary documentation as required under the FDCPA, 15 U.S.C. 1692g ( b ). The documentation you have failed to provide includes : - Proof that the debt belongs to me ( e.g., original signed contract or agreement ). 
- Itemization of the debt, detailing the original amount, any fees, interest, and payments made. 
- Verification of your legal right to collect the debt ( e.g., assignment or transfer of the debt, including chain of custody documents ). 
- Evidence that you are licensed to collect debts in Illinois, as required by state law. 

Your failure to provide these documents upon request is a clear violation of federal debt validation requirements. 

3. ) False Reporting of Compliance with the Fair Credit Reporting Act ( FCRA ) Despite my disputes, you continue to report to the credit bureaus that the debt remains unresolved, while falsely claiming that you are in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This misrepresentation damages my credit and is a further violation of federal law. 

Violations of Illinois State Law 1 ) Unlicensed Debt Collection Under the Illinois Collection Agency Act ( ICAA ), 225 ILCS 425/4, any entity engaged in debt collection must be licensed in Illinois. According to my investigation, Vance and Huffman , LLC is not licensed in Illinois, making your debt collection efforts unlawful under state law. 

Cease and Desist Given that you have failed to validate the debt in response to my two prior disputes, you are hereby instructed to cease and desist any further communication with me regarding this matter. Any further attempts to contact me will be considered harassment under the FDCPA, 15 U.S.C. 1692d, and will be treated as such in any future legal actions. 

Required Action Given these violations, I demand the immediate removal of all negative and disputed credit reporting related to this alleged debt from all three major credit bureaus ( XXXX, XXXX, and XXXX ). You have 30 days from the date of this letter to comply with this demand. 

Consequences of Non-Compliance If you fail to take the requested action within the specified timeframe, I will pursue all available legal remedies. I have already filed complaints with the Illinois Department of Financial and Professional Regulation ( IDFPR ) and the Illinois Attorney Generals Office. Should you fail to comply, I will not hesitate to escalate this matter further by filing a lawsuit under the FDCPA, FCRA, and ICAA. 

Conclusion This letter serves as your final notice to correct the unlawful actions you have taken and to cease all communications with me. Failure to comply within the 30-day period may result in legal action being taken against you. 

Sincerely, XXXX XXXX