Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with SQUARETWO FINANCIAL CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: CACH , LLC has been attempting to collect a debt that they allege was purchased from  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . In numerous collection letters they have demanded several different amounts. I have disputed this debt with through the credit reporting agencies numerous times in the last several years.     On  XXXX   XXXX ,  XXXX  I received a letter from  XXXX   XXXX  stating a current balance of {$2600.00}. I requested validation of the debt and disputed the amount to both  XXXX   XXXX  and CACH , LLC. CACH , LLC responded on  XXXX   XXXX ,  XXXX  with a letter that stated the current balance is {$2900.00}.  XXXX   XXXX  responded to my same letter on  XXXX   XXXX ,  XXXX  with a response that said the current balance is {$2500.00}. Again, on  XXXX   XXXX ,  XXXX  I disputed the accuracy of the amounts and requested validation of the debt.     I received a response from  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  that said the balance is {$2500.00}. I received a response from CACH , LLC on  XXXX   XXXX ,  XXXX  that said the amount is {$2500.00}. I sent this information to the credit reporting agencies and requested they update the record of the amount at least, since CACH , LLC refused to validate their alleged ownership of this debt.     As of  XXXX   XXXX ,  XXXX  CACH , LLC is still reporting a debt owed to them in the amount of {$2900.00} to   XXXX   XXXX   XXXX   credit reporting agencies. I have reviewed the dispute results and CACH , LLC continues to insist that I owe them {$2900.00}.     CACH and their attorney,  XXXX   XXXX   XXXX   XXXX ,  XXXX  have also provided a statement from  XXXX   XXXX   XXXX  dated  XXXX   XXXX ,  XXXX  which shows an amount of {$2500.00}, a computer print out from  XXXX   XXXX   XXXX  which shows the same, a Bill of Sale dated  XXXX   XXXX ,  XXXX  between  XXXX   XXXX   XXXX . N.A. and CACH , LLC, and an affidavit by  XXXX   XXXX , custodian of records for CACH , LLC attesting to the Bill of Sale, and a generic  XXXX   XXXX   XXXX  card holder agreement which  may or may n ot be applicable to the  XXXX   XXXX   XXXX  account in question.     Although I have requested from CACH , LLC to supply the following, I have never received :  1 ) A signed credit card application or contract which proves I opened this account in my own name ; 2 ) The sp ecific  XXXX   XXXX   XXXX   XXXX  Agreement which applies to this account and expressly authorizes   XXXX   to sell this account to a third-party debt buyer ;  3 )  A detailed itemization of all the charges allegedly made which total the amount they are claiming, whatever amount that actually is.     Additionally, I requested the same information from  XXXX   XXXX   XXXX , as I have no record of this account with them. I also questioned whether this particular account  may  have been subject to CFPB Consent Order #  XXXX .   XXXX    XXXX   XXXX  has not responded to my requests. There is no record of a   XXXX     XXXX   XXXX  account with this number on my credit report.     In summary, I do not believe that I owe this debt. The debt buyer can not determine what the correct amount should be, the debt buyer can not produce sufficient evidence of this alleged debt. I believe the debt buyer is in violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act by continuing to assert that they are owed a debt they can not prove or even determine an amount for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief