Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Zions Debt Holdings
State: NV

Complaint narrative:
Subject : Formal Request for Debt Validation and Cease and Desist Notice XXXX XXXX XXXX Dear Zion Debt Holdings LLC, Account # XXXX I am writing for the XXXX time in regard to your attempts to collect an alleged debt associated with XXXX This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable federal laws. I am requesting full validation and verification of this alleged debt, as well as a cessation of all communication with me, directly or indirectly, including communication through my consumer report.CEASE ALL COMMUNICATION WITH ME 15 USC 1692c... I refuse to pay this alleged debt ..... 

Pursuant to my rights as a consumer, I demand that you provide the following information and documentation to substantiate your claim and demonstrate compliance with federal laws : Validation of Debt ( 15 U.S.C. 1692g ) : Provide a full validation of the alleged debt, including an itemized breakdown of the principal, interest, and fees. 

Contract with Wet Ink Signature : Provide a certified copy of the original contract or application bearing my wet ink signature. If no such document exists, please explain why this is the case and how you verified this debt belongs to me. 

Certified Written Notice ( 15 U.S.C. 1692g ) : Provide a certified copy of the written notice you were required to send within five ( 5 ) days of your initial communication. This notice must include : The amount of the alleged debt. 

The name of the original creditor. 

A statement notifying me of my right to dispute the debt within thirty ( 30 ) days of receipt. 

A disclosure that upon dispute, you are required to verify the debt and provide me with the name and address of the original creditor if different from the current creditor. 

Chain of Assignment : Provide detailed documentation demonstrating the full chain of assignment of this alleged debt. This must include : A certified copy of the purchase agreement and assignment documents proving you legally own the debt. 

The amount paid for the debt and documentation of the lawful purchase of my personal information. 

Consent documents that demonstrate you obtained my personal information lawfully and with authorization from me. 

Proof of Authorization to Collect in XXXX : Provide evidence that you are licensed and authorized to collect debts in the state of XXXX. 

Information Regarding Validation Process : Provide detailed information, ( Full disclosure ) including names, addresses, and dates of any neighbors or witnesses you contacted as part of your validation process. This must comply with FDCPA requirements. 

Affidavit of Compliance : Submit a sworn affidavit, under penalty of perjury, confirming that no FDCPA or FCRA violations have occurred in your attempts to collect this debt. 

Certified Proof of Identity Verification : Given the widespread breaches at all three major credit bureaus Ive suffered, provide extensive documentation detailing how you verified this alleged debt belongs to me and is not due to my information being compromised even though I have proof my information was breached from the credit reporting agencies, provide first hand knowledge and proof that my information was not used in a fraudulent manner. 

Cessation of Communication : Cease all communications with me, both directly and indirectly, as defined under 15 U.S.C. 1692c, which includes communication via my consumer report. By parking this account on my consumer report is a form of communication per the FDCPA law. 

Federal Identity Theft and Mail Fraud Compliance : Provide a detailed explanation of how you obtained and used my personal information in compliance with federal laws, including : 18 U.S.C. 1028 ( Identity Theft ) : The unauthorized acquisition or use of my personal information without consent constitutes identity theft. 

18 U.S.C. 1341 ( Mail Fraud ) : Using the mail to attempt to collect an alleged debt without proper validation may constitute mail fraud. 

Failure to provide the requested information within XXXXen ( 10 ) days of receipt of this letter may result in my pursuing legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Furthermore, I reserve the right to seek damages and remedies through arbitration or litigation. Furthermore if you sell my information to another debt collector I will pursue any and all civil and criminal liabilities possible. 

I trust you will treat this matter with the urgency and seriousness it deserves. Your prompt attention to my requests and compliance with federal laws will determine the next steps I may take to protect my rights as a consumer. 

Thank you for your cooperation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation