Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In Regards to : FDCPA Violations Dear Compliance Department, I, XXXX XXXX, a non-adverse, non-belligerent, non-combatant party and executor with full life, have received correspondence from your agency regarding an alleged debt you claim I owe in the amount of {$2800.00}. I want to make you aware that I am fully aware of my rights as a consumer. 
According to the Fair Debt Collection Practices Act ( FDCPA ), your actions have violated my federally protected rights. 
Your negligence, willful noncompliance, harassment, and abuse will not be tolerated. This letter also serves as a cease and desist. Please stop contacting me regarding this alleged debt. Additionally, I request that you stop reporting it on my consumer credit report as this is a violation of the FDCPA. 
In accordance with the FDCPA, you are in violation of both 15 USC 1692 ( c ) Communication in connection with debt collection and 15 U.S. Code 1692b - Acquisition of location information.

My credit report shows a collection from your agency. I was never notified of this collection. What is more, I do not believe this debt is accurate. Under the FDCPA, I have the right to request and receive validation of this debt. Therefore, please provide me with a copy of all the following : 1. An explanation of what this alleged account balance is for.

2. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3. Documentation that shows I agreed to pay this debt with my signature.

4. Please also ensure that you provide documentation regarding your rights to collect this debt in my state.

Under 15 USC 1692 ( c ), debt collectors are prohibited from communicating with a consumer without permission. Under 15 U.S. Code 1692b, debt collectors are also prohibited from using misleading practices when acquiring location information.

Additionally, I want to make you aware that you have committed the following FDCPA violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts In accordance with the FDCPA, you are liable for {$1000.00} per violation you have committed in your communication with me. I am requesting compensation in the amount of {$5000.00} for the violations you have committed against me. Please make payment within 15 days of your receipt of this notice.

I will also be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. If necessary, I will take further action against XXXX XXXX and Associates if you fail to comply wi... 
In accordance with the FDCPA, please make payment in the amount of {$5000.00} and send it to the address listed above. 

Sincerely, 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 explanation