Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC (FL)

I received today a XXXX XXXX Notice from a debt collector called Valor Intelligent Services. The Notice claims that I owe {$21.00} for an alleged debt regarding tolls incurred by some automobile, however, it is impossible to read the license plate number from the photo that the debt collector has included on the XXXX XXXX Notice. 

The Collection Notice fails to provide the following required information : A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information. If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable. 

False or Misleading Representations A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not Falsely represent or imply that the consumer committed a crime or other conduct to disgrace the consumer. This paragraph from their Collection violates this provision : YOUR ACCOUNT IS IN COLLECTIONS Please resolve this matter by XX/XX/2021 to avoid an additional of {$15.00}, and the placernent of a STOP on your vehicle 's registration. 

Use or distribute written communications made to look like or falsely represent documents authorized, issued, or approved by any court, official, or agency of the United States or any state if the appearance or wording would give a false impression of the documents source, authorization, or approval When I called the credit reporting company 's headquarter, a call that was recorded by me after informing the other party, the XXXX employee : Failed to disclose in the initial written communication with the consumer, and the initial communication if it precedes the initial written communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. 

See attached Guidance from the CFPB. A copy of the debt collector 's first communication is attached so that its violations can be verified by CFPB. The communication further proves that the license plate number is illegible in the photo. I attempted to pay the toll for License Plate XXXX, which was actually printed on the first notification from the alleged original creditor, proving that even they could not decipher the illegible photo. When I entered the Invoice Number with the license plate, XXXX, no violation was displayed by the computer system. Because of the problems with the photo, the difficulty with reading and confirming the license plate number in the photo, which is the sole evidence that supports the alleged debt, the XXXX  XXXX agent stated that he would request that his supervisor cancel the debt. I never heard back from XXXX XXXXXXXX, until today 's notification. 


XXXX XXXX XXXX XXXX XXXX. 
Attorney at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX