Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Request for Debt Validation and Verification of Paid Account Account XXXX Reference to response to previous CFPB Complaint ID XXXX To Whom It May Concern, I am writing this follow-up letter in response to your recent communication regarding my initial request for validation and verification of the debt associated with the account number XXXX, which I believe to be inaccurately reported on my credit report. Despite your assertion that proof was provided in XX/XX/XXXX, and XX/XX/XXXX, the documentation was not only never received but also does not meet the requirements outlined in my original letter dated XX/XX/XXXX, nor does it address the specific validation and verification points I requested. As such, you remain non-compliant with the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), Consumer Data Industry Association ( CDIA ) guidelines, and directives from the Consumer Financial Protection Bureau ( CFPB ). In accordance with these laws and regulations, I again request that you provide comprehensive documentation and address all the points below : # # # XXXX. Proof of Ownership & Assignment ( FCRA Section 623 ( a ) ( 3 ) & CDIA Guidelines ) : Please provide documentation proving that XXXX XXXX XXXX legally owns or has been assigned the debt in question. This should include all assignment and transfer agreements that demonstrate the chain of custody of the debt from the original creditor, Mountain America Credit Union, to your agency. # # # 2. Original Signed Agreement ( FCRA Section 611 & FDCPA Section 809 ( b ) ) : I request a copy of the original signed agreement or contract that establishes my obligation to pay the original creditor. This contract must include all terms and conditions and be clearly legible. # # # 3. Proof of Paid Status ( FCRA Section 611 & FDCPA Section 809 ( b ) ) : Please provide documentation that confirms this debt was paid in full as declared in my original correspondence. This should include a receipt or confirmation of payment and a clear statement from XXXX XXXX XXXX indicating that the debt has been settled and is no longer owed. # # # 4. Itemized Account Statement ( CFPB Guidelines ) : I request a complete and itemized statement reflecting the accounts activity. This must include all charges, interest, fees, and any payments applied to the account, thereby detailing how the current balance was calculated. # # # 5. Accurate Account Reporting ( CFPB Guidelines ) : Please provide evidence that all information regarding this account reported to the credit bureaus ( XXXX, XXXX, and XXXX ) is accurate and complete. Any discrepancies or inaccuracies must be corrected immediately. # # # XXXX. Legible Payment History ( FCRA Section 623 ( b ) ) : Under FCRA Section 623 ( b ), please provide a complete record of the payment history, including the original date of delinquency, the date of payment, and any adjustments made to the account balance. # # # 7. State Licensing Information ( CFPB & FDCPA Section 809 ( a ) ) : I request proof that XXXX XXXX XXXX is authorized to operate and collect debts in the state of Utah. This should include your collection agencys license to collect debts in my state and any relevant registration or permit details. If you are unable to provide all of the requested information within 30 days of receipt of this letter, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office of my state. Failure to comply with my lawful requests in accordance with FDCPA and FCRA guidelines will necessitate legal action for rights violations and damages caused by erroneous credit reporting and continued unlawful collection practices. Pending proper validation and verification as requested, all collection activities, including updates to credit bureaus, should cease immediately. If you are unable to validate the debt and its paid status, I respectfully request that you terminate all collection actions and facilitate the removal of this collection account from my credit report with all major credit bureaus. Please acknowledge receipt of this letter and promptly inform me of your findings. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX