Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST FINANCIAL BANCORP
State: IL

Complaint narrative:
FORMAL DISPUTE AND VALIDATION REQUEST FIRST FINANCIAL BANK XXXX  Alleged Account/Reference Number : XXXX Alleged Amount : {$16000.00} This letter is a formal request for validation of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a formal dispute of this debt under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

I am placing you on formal notice that I dispute this debt in its entirety. Furthermore, I have no knowledge or records of this specific obligation as presented.

Hard Round One Investigation & Verification Demand : Your complete response to this letter must include clear, verifiable, and admissible evidence that conclusively proves the following points. Please note that a generic account summary, a copy of a billing statement, or a computer-generated printout is insufficient to satisfy this validation request. I require contractual and transactional proof.

1. Verification of the Debt 's Origin and Your Standing : * Provide a certified copy of the original, signed application and credit agreement between myself and
First Financial Bank XXXX  that established this account, demonstrating my agreement to the specific terms.

* Provide a complete and unbroken chain of title and assignment, documenting each transfer from the original creditor ( First Financial Bank XXXX ) to your company. This must include : * The full name and address of each previous owner.

* The date of each assignment/sale.

* Evidence that each assignment was for valuable consideration and included all rights, title, and interest to this specific account, identified by the original account number.

* A certified copy of the Bill of Sale and Assignment specifically referencing this account by the original creditor 's account number. A generic portfolio sale document with a list of accounts is insufficient unless my specific account information is clearly and legibly included.

2. Verification of the Alleged Amount : * Provide a complete, itemized accounting of the alleged {$16000.00} balance. This must start from a {$0.00} balance and show : * The date and amount of every transaction purportedly giving rise to the debt charges, purchases, cash advances.

* All interest charges, with the exact calculations showing the annual percentage rate APR and how it was applied.

* All fees assessed late fees, over-limit fees, service fees, with the contractual or legal basis for each fee.

* All payments and credits posted to the account, with dates and amounts.

* Provide documentation showing how the final alleged amount was calculated.

3. Verification of Your Legal Right to Collect in This Jurisdiction : * Provide a copy of your current debt collector license/registration required to operate in my state, Your State.

* Provide proof that your company and any prior assignor are not barred by the applicable statute of limitations for filing a legal action on this alleged debt in Your State.

4. Verification of Authority and Notice Compliance : * Provide a detailed log or report demonstrating your method of verification in response to this letter, confirming you have investigated each point above.

* Provide conclusive proof that I received all notices you are required by law to send prior to this collection attempt, including but not limited to any notice of assignment/sale of the debt.

Your Legal Obligations & My Understanding of My Rights : FCRA Dispute : This letter constitutes formal notice that I dispute the accuracy and completeness of this item on my credit report. Upon receipt, you are obligated under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ) to conduct a reasonable investigation, review all relevant information I have provided, and report the results to the credit bureaus. If the information can not be verified, you must promptly request its deletion from my file.

FDCPA Validation : Your initial communication failed to provide sufficient information. Until you provide the validation detailed above, you must cease all collection activity, as required by the FDCPA 1692g ( b ). This includes, but is not limited to, reporting this disputed debt to any credit reporting agency.

Cease Communication Directive : If your company is a third-party debt collector, this is also a formal request, under FDCPA 1692c ( c ), to cease all telephone communications. All future correspondence must be in writing and sent to the address below.

Proof of Receipt of All Notices & Right to Collect : Please be advised that your failure to provide the verified documentation as demanded will be interpreted as : Admission that you have not provided all required notices.

Admission that you lack the complete documentation and legal standing to collect this alleged debt.

Acknowledgment that you are unable to verify the debt as required by law.

Furthermore, your full and complete response, including the specific documents demanded, will serve as the only acceptable " proof '' that you have the right to collect. Absent this proof, you must immediately close this file, recall any credit bureau reports, and permanently cease all collection efforts.

I expect your full compliance with federal law. I reserve all my rights under the FDCPA, FCRA, and any applicable state laws.

Your State 's Attorney General Consumer Financial Protection Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation