Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
XXXX XXXX Acct # XXXX I hereby dispute the validity of the alleged debt listed above Entirely. I also request verification of the alleged debt, specifically a copy of the original purchase agreement. Additionally, Im requesting : the original contract Contract between Firstpoint collection resources inc and alleged debtor payment history If there have been any payments, transactions, changes, reductions or adjustments since the last billing statement from the original creditor.

Identify the date of the last payments, transactions, changes or adjustment made on this account from the original creditor.

Proof you are licensed to collect debt in my state Provide an itemization showing the dates and amount of each of the requested information above. The agreement must be with the original creditor and signed by all parties involved.

I refuse to pay this alleged debt. Per law, I am requesting you cease and desist all collection efforts and attempts to report to the credit reporting agencies. You are illegally attempting to collect an alleged debt and money that I do not owe. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ), which is authorized to t investigate this matter and receive related information. Please respond in writing within 30 days with confirmation.

Thank you for your cooperation.

Very Respectfully I am requesting that the reporting information be blocked and delete. I am also requesting monetary relief, compensation and/or restitution for damages incurred from dropping my credit score from status, which resulted in denial or employment, credit and housing. This is identity thief and defamation of charter. My request to block is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact relevant to the request to block identified transactions The identified transactions are not information related to any transactions by me as the consumer. Failure to remedy this will result in a civil and/ or law suit against agencies involved.According to the Fair Credit Reporting act ; firstpoint collection resources inc has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions I am not responsible for this debt with " XXXXXXXX XXXX XXXX XXXX ''. I do not have a contract with your company. They did not provide me with the original contract as requested. The above agencies were contacted to removed inaccurate information. Please cease all inaccurate unverifiable collection and reporting efforts immediately. Respond in writing confirming this has been deleted After recently reviewing my personal credit report, I became aware that you are reporting information that is not correct, inaccurate and unverified, thus encouraging fraudulent activities. I am requesting that the reporting information be blocked and deleted. My request to block is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact relevant to the request to block identified transactions The identified transactions are not information related to any transactions by me as the consumer. The have provided me with documentation that does not have my name or information on it but reporting a collection on my account

Company response to consumer: Closed with explanation