Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested American Coradius International LLC XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Re : Alleged Account / ACI Reference No. XXXX Creditor Alleged : XXXX XXXX XXXX  Monthly Reference ID : XXXX Alleged Balance : {$1100.00} Dear American Coradius International LLC , This letter is a formal response to your postal and electronic correspondence dated XX/XX/year>, in which you allege that I owe a debt originally claimed to be owed to XXXX, purportedly arising from a XXXX XXXX Monthly account bearing the above reference numbers. I hereby dispute this alleged debt in its entirety and demand validation pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act. This dispute is timely and made in good faith. 
Please take notice that I have never entered into any contract, agreement, or business relationship with American Coradius International LLC. I have never provided consent, authorization, or assentwhether express or impliedfor your company to collect any alleged debt from me. As such, you are a third-party stranger to any alleged obligation and are required to provide strict proof of your lawful standing, authority, and right to collect before any collection activity may lawfully continue. 
Accordingly, I demand that you produce, via United States Postal Service certified mail to the address listed above, strict proof that the above-referenced debt is a valid debt and that you are lawfully entitled to collect it. This includes production of the original contract or agreement containing a wet-ink signature by XXXX XXXX representing his assent and establishing that any real debt was ever owed for the above-referenced account, if such an agreement exists. This further includes production of the complete purchase agreement, sale agreement, or assignment agreement evidencing the transfer, sale, or conveyance of the alleged debt from the original creditor to any subsequent owner, assignee, or collection agency, including American Coradius International LLC, showing consideration paid and lawful standing to collect, if such an agreement exists. 
You are further required to produce proof that the above-referenced account was charged off, proof that American Coradius International LLC was lawfully assigned as the collection agency for said account, and proof of the alleged account owners identity. You must also produce proof that any initial account openings, hard inquiries, charge-offs, collections, or late payments relating to the alleged account were actually initiated by the account owner and not the result of identity theft. 
Additionally, you are required to produce proof that any alleged default, late payments, or failure to make payments owed under the terms of any such agreement ever occurred, if such an agreement exists. You must produce proof that American Coradius International LLC complied with any and all arbitration clauses contained in the alleged agreement, if such an agreement exists. You must also produce proof that all monies, property, or title interests named as collateral in such an agreement are free and clear of any liens or ownership interests superior to those conferred by the terms of such agreement, if such an agreement exists. 
Further, you are required to produce proof in the form of a true and certified copy of the complete audit trail of any alleged account showing monies owed arising from such an agreement, calculated and certified in accordance with Generally Accepted Accounting Principles ( G.A.A.P. ), International Financial Reporting Standards ( I.F.R.S. ), the BASEL III Accord, and the UNCITRAL conventions, if such an agreement exists. You must also produce proof that any monies, property, or title interests which American Coradius International LLC seeks to receive under the terms of such an agreement are free of any statutory liens, encumbrances, or forfeitures for unpaid federal taxes, if such an agreement exists. 
You are further required to produce proof of income in your possession identified on the attached IRS Form 1099-OID, as American Coradius International LLC is required to pay and report such income pursuant to 26 U.S.C. 6049 ( a ) ( 2 ). You must produce proof in the form of a valid tax registration certificate showing an EIN number demonstrating that American Coradius International LLC operates lawfully in compliance with the United States Internal Revenue Code. You must also produce proof in the form of a valid business license showing a registered agent establishing that American Coradius International LLC is a real corporation authorized to conduct business in the Commonwealth of XXXX  and receive service of process for legal matters arising in XXXX. 
Please take further notice that American Coradius International LLC has engaged in repeated and ongoing communications with me via email, text message, telephone, and electronic means despite the absence of any contractual relationship or consent. These communications are unwanted, excessive, and harassing in nature and constitute continued attempts to collect an alleged debt from a party with whom I have never contracted. 
Accordingly, this letter shall also serve as formal notice to CEASE AND DESIST all collection communications pursuant to 15 U.S.C. 1692c ( c ). I hereby revoke any and all consent, whether express or implied, for contact via email, text message, telephone, autodialer, or any electronic means whatsoever. Any further communications must occur only in writing via United States Postal Service certified mail to the address listed above. 
Failure to respond via certified mail to the requests for proof described herein within thirty ( 30 ) days of receipt of this debt validation letter shall constitute an admission by American Coradius International LLC that the requested proof does not exist and that American Coradius International LLC has knowingly and voluntarily waived all collection rights with reference to the alleged account. 
If the proof requested in this letter is not provided within the required time, I further demand that American Coradius International LLC and all entities or collection agencies acting in concert with it cease and desist all collection activity with reference to any and all accounts or debts described herein and release any and all monies, property, and interests to property held for collection with reference to said account. I further demand that American Coradius International LLC and all other entities, including credit reporting agencies, state departments of motor vehicle title records , county recorders of real estate deeds, and any collection agencies acting in concert with you, release any claims of lien on the title to any vehicle, monies, real estate, or other property allegedly held as collateral or under any other alleged security interest with reference to the alleged account. 
Lastly, I demand that American Coradius International LLC desist in reporting the account or any late payments, collections, charge-offs, or hard inquiries related to this matter to any consumer reporting agency pursuant to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
Any continued contact by prohibited means or any continued collection activity without proper validation will be documented as evidence of harassment and knowing noncompliance with federal law. 
Sincerely, XXXX

Company response to consumer: Closed with explanation