Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (CA)

Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX / XXXX Violation of Consumer Rights and Request for Investigation To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for the following violations of federal laws and regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) XXXX XXXXXXXX XXXX XXXX has failed to provide the specific information required by this regulation regarding the debt they are attempting to collect. 
2. 12 CFR 1006.34 ( C ) ( 4 ) ( i ) XXXX XXXX XXXX XXXX has not complied with the disclosure requirements mandated by this provision. 
3. False, Misleading, Misrepresentation & Deceptive Means The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means in their communications and attempts to collect a debt. 
4. 12 CFR 1006.34 ( d ) The agency has not adhered to the validation and notice requirements outlined in this section.

5. 15 USC 1681-52 ( 7 ) ( A ) XXXX XXXX XXXX XXXX is in violation of this statute regarding consumer protection and credit reporting. 

Additionally, I am revoking all rights of communication with me through mail, email, text messages, and phone calls. All future communications must be conducted through written postal mail only. 

Request for Documentation 1. I am requesting the purchase agreement between XXXX XXXX XXXX self-lender and the original creditor. 
2. I am requesting that the original creditor furnishes proof that they are licensed and bonded as required by law. 

Identity Theft and Incarceration I was incarcerated from XX/XX/XXXX, to XX/XX/XXXX. During this period, my identity was stolen and used for various fraudulent activities, including incurring medical bills, applying for XXXX XXXX XXXX XXXX and opening a XXXX phone account in my name. These actions constitute identity theft and are clear violations of my consumer rights under the following laws : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 Under the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report. The fraudulent accounts opened in my name are both inaccurate and incomplete.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 The FDCPA protects consumers from abusive and deceptive practices by debt collectors. If XXXX XXXX XXXX self-lender is attempting to collect on these fraudulent accounts, they are in violation of the FDCPA. 
3. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Opening accounts in my name without my authorization constitutes identity theft under this act.

4. Fraudulent Use of Personal Identification Information - 18 U.S.C. 1028A This act criminalizes the fraudulent use of personal identification information, and the unauthorized opening of accounts in my name is a clear violation. 

I request that you immediately : 1. Investigate this matter and close the fraudulent accounts.

2. Remove any negative entries related to these accounts from my credit report.

3. Provide me with written confirmation that the accounts have been closed and the negative entries have been removed.

4. Cease all collection activities related to these fraudulent accounts. 
Amount of debt is : XXXX Account opened : XX/XX/XXXX Please confirm receipt of this complaint and provide a response within 30 days, as required by law. Failure to address this issue promptly and appropriately will result in further legal action. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/XXXX