Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: MOHELA
State: WI

Complaint narrative:
Requested Validation Of Debt and Cease and Desist letters XXXX of XXXX. Asked for promissory note and to no avail was I responded too. Under the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested., I also informed said account that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

The following information is required. Please fill out the form below in its entirety.

Name and address of Alleged creditor : Name of file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of the alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased?

Amount Paid if the debt was purchased : Commission for debt if collection efforts are successful : Please attach the copies of the following : Agreement with your client that grants the authority to collect this XXXX the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statement while this account was open.

Have any insurance claims been made by any creditor regarding this account? 
Yes No Have any Judgements been obtained by any creditor regarding this account? 
Yes No Please provide me the name and address of the bonding agent for XXXX, in case legal action becomes necessary : Date : __________________ ________________________________ Authorized Signature of Creditor You must return this completed form along with copies of all the requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

And to no avail no respond!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation