Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
account number in question here Is : XXXX - " loan ''. pursuant to 15 USC 1692g - need this debt validated. The pictures attached in complaint state that this company has charged off the debt. a CHARGE OFF pursuant to XXXXXXXX XXXX XXXX XXXX is described as " an accounting term where one item is eliminated from an assets list when it is lost or is deemed to be worthless. '' in the pictures you see this company relished the debt. I am also very interested in knowing and having a forensic audit done on this account. I do believe this corporation is committing some form of fraud and does intend to attempt to DOUBLE DIP and still seek some form of performance. 
furthermore pursuant to 15 USC 1635 - Right of rescission as to certain transactions. In the ( f ) section it states that as a consume I have there years form the date of consumption of the transaction to rescind the transaction. Further more pursuant to 15 USC 1692c ( c ) - Communication in connection with debt collection.// legal refusal to pay a debt. cease and desist. 
furthermore the grounds for my complaint are defamation and financial injury which tie into the following case laws, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX the fine that shall be awarded is defined to be the extent of the damages incurred by the wronged party as deemed by the courts. bringing the total actionable amount to about {$40000.00} since the consummation of this debt. including the missed payments that are actively being reported on the XXXX credit file. 
further more, misrepresentations by the collector about themselves or the debt are actionable regardless of intent. The reason behind adding this to the complaint is due to the protections extended to by the Fair debt collection practices act, XXXX. XXXX passed by congress into law on XX/XX/XXXX and can be found in Public Law 95-109. the case laws standing side public policy are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) which carries a civil liability ( pursuant to 15 USC 1692k ) of XXXX per violation. this debt has been misrepresented for more than a year since it consummation, bring the tally for this violation alone to about {$20000.00}. furthermore furthermore! if this debt can not be validated, meaning that the corporation is unable to to provide answers to the question of who the original creditor is, and the name of the flesh and blood human being that validated the debt then I want this debt deleted. 
the case law stated within this complaint is enough to get the attention of any district court. I humbly request your cooperation the matter of!. validating the debt and providing the proper paper work to have a certified forensic fraud CPA review the files and testify in court on their findings thank you!

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