Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : FORMAL DEBT VALIDATION COMPLAINT- To Whom It May Concern, I am sending you a letter to formally advise you that VELOCITY INVESTMENTS LLC has violated my consumer rights in the following ways. 

Specifically, you : VELOCITY INVESTMENTS LLC ( {$1200.00} ) you are in Violation of reporting inaccurate accounts without completing a full investigation. Reporting inaccurate accounts that are charged off and not mine-FCRA VIOLATION -Failed to validate a debt at my request- FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE As you are certainly aware, Admission by Silence means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission of Silence in my defense should I be summoned to court or act against you. I expect to receive the proof I requested above, within 15 days of this letter. Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus. Each Agency is reporting different days, times, absurd comments I have never made, reporting a balance on charged off accounts which is a FCRA violation, and your report lacks complete accuracy. A lot of those accounts I have no knowledge of. This is not professional at all, and it is against the law to report incorrect information. The following accounts I want validated legally : 1. UNAUTHORIZED INQUIRY FROM XXXX- PLEASE DELETE! YOU ARE DAMAGING MY CREDIT HEALTH DUE TO YOUR LAZINESS AND NEGLIGENCE! DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to XXXX. If this is not rectified in the correct manner. Per my lawyers request, I will sue you in court. I filed a complaint with Consumer Financial Protection Bureau as well. It is the law that you show my SIGNATURE bonding me to this debt you claim I owe. You have 15 days to take care of this mistake. 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4.What did it cost your company to obtain the documents needed to complete your investigation? 
5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a. Who did you speak to?

b. On what date?

c. How long was the conversation?

d. What was their position?

e. What telephone number did you call?

14 f. What is the name of the employee of your company that spoke directly to the above party? 
g. What is the position of the employee of your company that spoke directly to the above party? 
h. How long has that employee been employed by your company? 
i. What formal training was provided to this employee to investigate items of this kind? 
j. Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will be represented by my lawyer pro-se and will formally request a jury trial. 


Kind Regards, XXXX XXXX