Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
Dear Sir or Madam, Today is Monday, XX/XX/year>, and I am submitting this on the same day. The reason for highlighting this date is because I requested debt collector to send notifications via certified mail and/or a method of tracking so I have enough time to respond. 

15 U.S. Code 1681i states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They continue to date their correspondences as soon as they get them, yet sends them out weeks later, giving me no time to properly respond. For example : I sent my second letter dated XXXX, they received it on XX/XX/year> @ XXXX XXXX, and their letter is dated XXXX. 

The severity of this is because their first letter sent to me states : " Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' If I am to respond, it is my right to receive a full 30 days from receipt, however, in this case based on XXXX, I have 11 days to respond. This is unacceptable, and not enough time to respond. I am requesting company send all responses either through CFPB or Certified Mail, or something with a tracking number, to ensure I receive a fair chance to respond. 

Lastly, I am formally requesting a copy of the DEBT PURCHASE AGREEMENT associated with the account listed below, that was previously established between XXXX XXXX XXXX and XXXX XXXX XXXX XXXX To be specific, reasons I need to review said relevant terms and conditions surrounding this debt include, but not limited to : a. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and b. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and c. A statement describing the debts complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and d. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 

They refuse to send the debt purchase agreement and the law is clear according to 15 U.S.C. 1681i : ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation