Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
Subject : Request for Debt Validation Dear Aqua Finance I am writing to address my concerns regarding the validity of the debt referenced in your recent communication. It is important to clarify that a breakdown of changes to the account does not constitute validation of the debt itself. I am requesting a thorough itemization that provides clear evidence that the debt is indeed mine and meets the requirements set forth by the Fair Debt Collection Practices Act, specifically under FORA 605 ( b ) ( 15 U.S.C. 1681c-2 ) and 15 U.S. Code 6803 - Disclosure of Institution Privacy Policy.

To facilitate this process, I require the following documentation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The date the account was initially opened or the debt originated. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The most recent date of any transaction or communication regarding this debt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The date on which the last payment was made towards the debt. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  : The specific account number associated with the debt in question. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The total amount owed as of the date of this letter. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : A clear indication of whether the account is active, closed, disputed, etc. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Documentation proving the ownership and transfer of the debt, including any assignments or sales. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Evidence that your organization currently owns the debt and has the right to collect on it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Documentation that demonstrates your authority to collect on this debt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signed agreements from all parties involved in the original transaction and any subsequent assignments. 

Providing the aforementioned information will help establish the validity of the debt and clarify my obligations. Please respond at your earliest convenience, as I believe it is in both our interests to resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to your timely response. 

Sincerely, Subject : Demand for Permanent Deletion of Inaccurate and Misleading Information Dear Aqua Finance, I am writing to formally dispute the accuracy of the information reported under my accounts with your agency, specifically regarding Aqua Finance ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My concerns stem from the recent Federal Trade Commission ( FTC ) lawsuit against Aqua Finance, which revealed significant deceptive practices detrimental to consumers.

As you are aware, the FTC alleged that Aqua Finance and its network of dealers engaged in misleading sales tactics related to the financing of household water treatment products. The settlement that followed required Aqua Finance to pay {$20.00} XXXX in consumer refunds and to provide {$23.00} XXXX in debt relief, reflecting the serious impact of their deceptive practices. 



The specific violations that warrant immediate attention include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My account reflects a balance of {$7700.00}, which is inaccurate considering the FTC 's findings regarding Aqua Finance 's misleading financing terms. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The reported debt is unverifiable due to the deceptive practices highlighted in the FTC settlement. I believe it is my right as a consumer to have access to accurate and truthful information, as mandated by the Fair Credit Reporting Act ( FCRA ). 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reports indicate derogatory statuses that misrepresent my creditworthiness. Given the FTC 's actions requiring Aqua Finance to cease misrepresentations, I request the immediate deletion of these inaccuracies. 



Under the FCRA, you are obligated to investigate my dispute and ensure the accuracy of the information reported. Therefore, I demand the permanent deletion of any and all inaccurate, outdated, and unverifiable information related to this account. Failure to comply will leave me with no choice but to escalate this matter to the appropriate regulatory agencies. 



Please treat this letter as a formal notice of my demand for the deletion of this information. I expect a written response within 30 days of receipt of this letter. 



Thank you for your prompt attention to this matter. 



Sincerely,

Company response to consumer: Closed with explanation