Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
XXXX Dear, Sir or Madam I am writing in response to your recent communication regarding the alleged debt referenced above. I request verification of the alleged debt and a copy of the original contract or agreement as required under 15 U.S. CODE 1692 of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. CODE 6802 under the XXXX XXXX XXXX XXXX  ). 
Specifically, I am requesting the following : A copy of the original signed contract or agreement from the original creditor that establishes the debt you are attempting to collect, including any terms and conditions that govern this obligation, including signatures from all parties Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
PROOF THAT YOU CAN LEGALLY COLLECT ON THIS DEBT!!! 
detailed statement of the debt, including the amount owed, any fees or interest charged, and a history of payments made.please send proof of assignment for each change of ownership. PROOF OF CHAIN OF OWNERSHIP! must be from the original creditor to the current alleged owner without any break in the chain If any interest or fees have occurred or been added on to the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof that you are authorized to collect on this debt, including any assignments or documentation that shows your legal right to collect. Proof that you are legally allowed to collect on alleged debts in the state of Illinois, including your Third-Party Debt collection bond.

Also send proof that you sent the legally required notice to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes it clear that " debt parking '' without proper notices is a violation of consumers rights. 
Verification of the privacy protection of my personal financial information, in accordance with the XXXX XXXXt ( 15 U.S. CODE 6802 ) . Please provide information regarding how my financial data has been protected during your collection efforts, including the measures taken to comply with applicable privacy regulations. 
I ALSO DID NOT SIGN OR GIVE ANYONE PERMISSION TO PASS OR SALE MY PERSONAL INFORMATION! WITHOUT LAWFUL AUTHORITY, This is considered Identity theft! I highly recommend that you stop trying to collect this debt! I did not sign anything nor do not have my permission to do so. 
Under 15 U.S. CODE 1692, I have the right to request this information within 30 days of receiving your initial communication. During this period, I dispute the debt and request that all collection efforts cease unless you provide the requested verification.

Furthermore, under 15 U.S. CODE 6802, financial institutions and their affiliates are required to establish privacy policies to protect consumer information. I ask that you confirm how you have complied with this requirement during your collection process. 
Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies nor do you have the authority to collect on this debt You are in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. 
request that you provide me the " Aggravated Value Of Purchase '' showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR ORGANIZATION IN THE UNITED STATES DISTRICT COURT. 

Until the requested verification and contract are provided, I ask that you REMOVE & DELETE all collection efforts and refrain from reporting the debt as due or owing to any credit reporting agencies. If you are unable to provide the requested verification, I request that you DELETE & REMOVE all collection efforts entirely. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation