Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Moore Law Group
State: NV

Complaint narrative:
I was served by the Moore Law group for a credit card debt with XXXX for a XXXX XXXX credit card. I sent a Debt Validation Request and answered the law suit in the XXXX XXXX XXXX XXXX. They sent me an account summary but did not provide who owns the debt or if it has been charged off. Here is the second Debt Validation. Also I am being sued and threatened with wage garnishment. I tried calling XXXXXXXX XXXX XXXX and was directed via automated system to the Moore Law Group. Previously I had offered XXXX lower payments and they refused. I asked for hardship relief and was refused. In essence due to illness and sporatic work I was unable to pay. Here is what I sent the Moore Law group : IN THE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX. : XXXX NOTICE OF DEFENDANTS REQUEST FOR PROPER DEBT VALIDATION I, XXXX XXXX, hereby submit this Notice to supplement the court record with a formal debt validation request, pursuant to the Fair Debt Collection Practices Act ( 15 U.S.

Code 1692g ). 
On XX/XX/year>, I sent a written request to The Moore Law Group seeking proper validation of the alleged debt associated with the above-referenced case. Their partial response dated XX/XX/year>XXXX  did not fulfill the legal requirements of debt validation. On XX/XX/year>XXXX  I sent a second debt validation request via email as provided below. 

Request for Proper Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Email : XXXX Date : XX/XX/year> The Moore Law Group, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX RE : XXXX / Case No. XXXX Dear Moore Law Group, I am writing to follow up on my original debt validation request sent on XX/XX/year>, and your response dated XX/XX/scrub>XXXX XXXX XXXX 
Your response is incomplete and does not satisfy the requirements for proper debt validation under federal law. Specifically, you failed to provide : 1. Proof that XXXX XXXX XXXX XXXX is the current legal owner of the debt and that it has not been charged off, sold, or assigned to another party. 
2. A signed agreement or application bearing my name, which would establish a binding contract. 
3. A complete and itemized accounting of the amount claimed, including all interest, fees, payments, and charges. A billing statement or year-to-date summary is insufficient. 
4. Documentation showing that The Moore Law Group is authorized to collect this debt in the State of Nevada, including a letter of assignment or contract from the creditor.

In addition, I am formally requesting written confirmation of whether the alleged account has been charged off or written off by XXXX, XXXX, and if so : - The exact date of charge-off - Whether the account has been sold, transferred, or assigned - The name of the current legal owner of the debt, if different from XXXX - If the debt has been canceled or forgiven, I also request a copy of any Form 1099-C issued by XXXX XXXX XXXX XXXX pursuant to IRS reporting requirements. 

This is a good-faith request made in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), which grants consumers the right to receive proper verification of any alleged debt. The law requires a collector to cease collection efforts until such verification is provided. Your client is also pursuing legal action, which increases the burden to produce competent, admissible evidence of the debts origin, ownership, and amount.

A billing statement and generic terms and conditions do not fulfill this obligation. 

Please provide the requested documentation within 15 days. If not, I will proceed accordingly, including filing a Motion to Dismiss for failure to validate the debt and lack of standing. 

Sincerely, XXXX XXXXXXXX XXXX XXXX  Sent via email to : XXXX ( XXXX XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation