Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sentry Credit, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX ( XXXX ) XXXX XX/XX/year> Sentry Credit , Inc . 
XXXX XXXX XXXX XXXX, WA XXXX XXXX Subject : Formal Dispute and Request for Debt Validation Account Reference XXXX XXXXXXXX To Whom It May Concern, I am formally disputing the validity of an alleged debt associated with Sentry Credit and request full validation in accordance with federal law.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and in accordance with the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq., and the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., I am requesting validation and proof of claim regarding this alleged debt. This request is not merely for verification but for full validation, which must include : XXXX. A copy of the original signed agreement or contract demonstrating my obligation to pay this alleged debt. 
XXXX. A detailed account history showing how the amount claimed was calculated, including itemized charges, interest rates, and any payments made. 
XXXX. Proof that your agency has legal standing to collect this debt, including a valid chain of title documenting ownership or assignment of the debt. 
XXXX. A copy of any judgments or agreements, if applicable, that would obligate me to pay this debt. 

Until you provide the requested validation and proof of claim, this debt remains disputed and unverified. Additionally, under 15 U.S.C. 1692c ( c ), I hereby request that all communication be conducted in writing onlyno phone calls.

Furthermore, if your office has reported any unvalidated information to any of the major credit bureaus ( XXXX, XXXX, and XXXX ) before providing the required validation, such an action may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, as well as potential fraud under federal and state laws. If any inaccurate, unverified, or misleading information appears on my credit report as a result of your actions, I will not hesitate to pursue legal action for the following violations : - Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Defamation of character through false credit reporting - Violation of 18 U.S.C. 1341 This debt must be considered invalid until you have provided the requested documentation. Per FTC guidelines, you have 30 days from the date of receipt of this letter to comply with my request. During this period, you must cease any collection activities, including credit reporting, lawsuits, or further contact regarding this debt.

If you fail to validate this debt within the required timeframe, all references to this account must be permanently deleted from my credit reports, and a written confirmation of this deletion must be sent to me immediately.

Failure to comply with these legal obligations will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal action.

I look forward to your prompt and full compliance with this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation