Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TN

Complaint narrative:
I am writing to formally file a complaint against Vance & Huffman LLC for engaging in improper and potentially fraudulent debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), Tennessee state laws, and federal laws governing mail fraud and electronic fraud. 

Background On XXXX, I received documentation from XXXX, the original creditor, confirming that the debt in question had been sold to XXXX [ or XXXX XXXX ]. Despite this, Vance & Huffman LLC has contacted me and attempted to collect this debt without providing any evidence of their legal authority to do so. 

When I requested debt validation under the FDCPA, Vance & Huffman failed to provide : Proof of legal assignment or sale of the debt to them. 
Documentation showing the chain of ownership. 
Any contracts or agreements substantiating their claim. 
Instead, they have continued to pursue collection efforts through [ list specific actions such as threatening letters, emails, or phone calls ], despite lacking proper documentation. 

Violations These actions raise serious concerns about violations of both state and federal laws, including : Fair Debt Collection Practices Act ( FDCPA ) : Attempting to collect a debt without validation violates Sections 809 and 807.

Fair Credit Reporting Act ( FCRA ) : Reporting an unverified debt to credit bureaus violates my rights under the FCRA. 
Mail Fraud ( 18 U.S. Code 1341 ) : If Vance & Huffman has used the XXXX. Postal Service to send collection notices regarding this unverified debt, they XXXX be committing mail fraud. 
Wire Fraud ( 18 U.S. Code 1343 ) : Any use of electronic communications, including emails or automated calls, to falsely claim ownership of the debt constitutes electronic or wire fraud. 
Tennessee Consumer Protection Act : These actions may also constitute deceptive and unfair business practices under Tennessee law.

Request for Action I respectfully request that your office investigate this matter to determine whether Vance & Huffman LLC has violated state and federal laws, including those related to fraud. Specifically, I ask that you : Require Vance & Huffman to cease all collection activities until they can produce sufficient documentation proving their legal right to collect the debt. 
Investigate their business practices to ensure compliance with Tennessee and federal laws. 
Pursue appropriate penalties for violations of mail and electronic fraud statutes. 
Hold Vance & Huffman accountable for any other deceptive or unlawful practices discovered during your investigation.

Supporting Documentation I am enclosing copies of : Documentation from XXXX indicating the debt was sold to XXXX. 
Correspondence received from Vance & Huffman LLC regarding their collection efforts. 
Conclusion The actions of Vance & Huffman LLC reflect a concerning pattern of behavior that not only violates my consumer rights but also potentially breaches federal laws against fraud. I urge your office to take swift and decisive action to protect Tennessee residents from these improper and potentially unlawful practices. 

If additional information or documentation is required, please contact me at XXXX. Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation