Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX To : Savit Collection Agency Subject : Request for Debt Validation Pursuant to FDCPA and Legal Precedent ( XXXX v. PRA , LLC ) SAVIT COLLECTION AGENCY " To Whom It May Concern '' I am writing in response to your claim and collection attempts regarding an alleged debt. This letter serves as a formal request for debt validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

According to federal law, I am entitled to request the following information : 1.

The amount of the alleged debt ; 2.

The name of the original creditor ; 3.

A detailed accounting and breakdown of how the alleged amount was calculated ; 4.

A copy of the original contract or agreement bearing my signature, showing I have alegal obligation to pay ; 5.

Proof that your agency is authorized to collect debt in my state ( include license number ifapplicable ) ; 6.

A complete chain of title of the alleged debt from the original creditor to your agency.

This request is made in accordance with the FDCPA, 15 U.S. Code 1692g ( b ), which requires that a debt collector cease collection activity until the requested validation is provided. Any attempt to collect, report, or transfer the alleged debt without proper validation will be considered a violation of the FDCPA and will be reported to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ). 
Furthermore, in the case of XXXX v. Portfolio Recovery Associates , LLC ( Case No. 4:13-cv-01651, E.D. Mo. 2014 ), the court ruled that a mere listing of a debt without supporting documentation is insufficient to constitute proper validation. The decision reinforces the consumers right to receive full and accurate proof of the debt before any further collection efforts. 
Please be advised of the following : I dispute the validity of the alleged debt in its entirety. 

You must not report this debt to any credit bureau during this dispute process. 

If you have already reported this debt, you are required under 15 U.S.C. 1692e ( 8 ) toinform the credit bureaus that it is being disputed.

Failure to comply with this request within 30 days will be taken as your formalwithdrawal of the claim and any further collection activity will be considered a violationof federal law. 
Further more, I have contacted Attorney At Law, XXXX, XXXX XXXX 's office to verify this wrongful debt. They in fact verified it does not not belong to XXXX. XXXX XXXX XXXX, as I have never lived at the address ( XXXX XXXX XXXX, in XXXXXXXX XXXX on XX/XX/XXXX ). As this is a fraudulent claim to my name. I will give you the opportunity to clear this from all reporting credit agencies. You have 10 days from this CFPB complaint to comply. Should you not comply with my request in the time alloted, I will be seeking punitive damages. I recommend that all future communications be made in writing. Please send all documentation to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation