Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: WLCC
State: SC

Complaint narrative:
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX , requested debt validation via certified mail on XX/XX/XXXX to : Explore Credit XXXX XXXX XXXX XXXX, Georgia US. I have proof that this letter was received by Explore Credit et. al. on XX/XX/XXXX ( see attached hereto ). In this letter, I gave 30 days notice for Explore Credit et. al. to respond and provide me with the information that I requested. Additionally, I requested that Explore Credit et. al. cease all debt collection efforts until they were able to provide me with the information I requested in writing. I requested that Explore Credit et. al. cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Explore Credit et. al. continues to ignore my requests, and Explore Credit et. al. has failed to provide me with the validated debt they claim I owe them. I am continuing to receive text messages from someone named XXXX claiming that this person is contacting me on behalf of Explore Credit. I am receiving these text messages daily, despite my requests for debt validation. I have received zero correspondence from Explore Credit et. al. in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THAT XXXX XXXX et. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed allegeddebtmust be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the Explore Credit et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Explore Credit et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Explore Credit et. al. 1. Explore Credit et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Explore Credit et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. Explore Credit et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX et al was exercising XXXX XXXX rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Explore Credit et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Explore Credit et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Explore Credit et. al. authority to collect the alleged debt : whether Explore Credit et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Explore Credit et. al. are contacting XXXX XXXX from outside the state, provide the licensing information from Explore Credit et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from Explore Credit et. al. XXXX XXXX gives notice that : Explore Credit et. al. are engaging in negligence and harassment against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via telephone communications. These harassment and manipulation tactics are causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Explore Credit et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Explore Credit et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before XXXX XXXX XXXX XXXX XXXX  this XXXX day of XX/XX/XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent :

Company response to consumer: Closed with explanation