Consumer complaint received 05/19/2017 about Debt collection (I do not know) with Account Control Technology, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX University Dear Account Technology Inc, I am writing in response to your letter I received dated XX/XX/XXXX, because I do not believe I owe any debt, so do not understand why you would be contacting me. THIS IS MY SECOND ATTEMPT TO STATE CEASE AND DESIST ALL CONTACT WITH ME WHETHER PHONE RELATED, EMAIL, OR IN WRITTEN COMMUNICATION. I DO NOT I REPEAT DO NOT DEAL WITH THIRD PARTY COLLECTORS. NOR DO I BELIEVE I OWE A DEBT. I HAVE HIGHLIGHTED BELOW MAYBE YOU DID NOT SEE IT BEFORE DO NOT CONTACT ME EVER AGAIN. OR I WILL BE FORCED TO FILE A COMPLAINT WITH THE FTC, CONSUMER PROTECTION AGENCY, AND ANY OF OTHER GOVERNMENT AGENCY AGAINST YOUR COMPANY. IF THOSE AGENCIES DO NOT GET YOU TO STOP CONTACTING ME I WILL BE FORCED TO SEEK LEGAL COUNSEL AND SUE YOUR COMPANY FOR HARRASSMENT. This is the first Ive heard from you or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : I am requesting that you provide validation of this debt. It is imperative that all information be received to me minimum five days and maximum thirty days. Your immediate attention is appreciated on this matter.
ALSO I DO NOT DEAL WITH THIRD PARTY COLLECTORS PLEASE CEASE AND DESIST CONTACTING ME. OR I WILL FILE A COMPLAINT AGAINST YOUR COMPANY WITH THE APPROPIATE STATE, LOCAL, AND FEDERAL AGENCIES.
I respectfully request that you provide me with the following information : * ( 1 ) The amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in the state of TENNESSEE * ( 5 ) Any valid proof must be notarized by a legal professional not affiliated with XXXX University or your company Account Technlogy Inc. * ( 6 ) Also validation needs to show financial aid law from the US Dept of Financial Aid and or Education. Signed by a representative that works with either one of these government agencies.
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : * because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; * you can not add interest or fees except those allowed by the original contract or state law. * you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. XXXX XXXX

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 non-monetary relief