Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ratchford Law Group, P.C.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX RATCHFORD LAW GROUP , P.C . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Debt Validation Request & Dispute of Alleged Debt To Whom It May Concern, I am formally disputing the validity of the alleged debt you are attempting to collect in relation to my former vehicle, originally financed through XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting full validation of this debt before any further collection attempts are made. Additionally, I request that you place a temporary freeze on all collection efforts, including asset seizure or legal action, until this dispute is resolved. 

Debt Validation Request Please provide the following documentation to verify your legal right to collect this debt : 1. Proof of Ownership of the Debt A copy of the agreement or contract proving that XXXX XXXX XXXX legally transferred or sold this debt to Ratchford Law Group, including all transfer and assignment records. 
2. Complete Payment & Balance Breakdown A full itemized statement showing the original balance, all payments made, and how the current balance was calculated, especially after the vehicle was sold. 
XXXX. Proof of Vehicle Sale & Proceeds Application Documents showing how much the vehicle was sold for, how the proceeds were applied to my remaining balance, and why there is still an outstanding amount. 
XXXX. Original Contract & Signed Documents Copies of all agreements I signed, including the one I unknowingly signed with your firm, as I was under the impression I was still dealing with the original creditor. 
5. Statement of Collection Rights Documentation proving that you are legally authorized to collect this debt in my state. 

Dispute of Alleged Debt & Challenge of Signed Agreement I am also disputing the validity of the contract I signed with your agency because : At the time of signing, I was unaware that my vehicle had already been sold. 
I was not properly informed that I was entering a new agreement with a different entity than the original creditor. 
The terms were not fully disclosed, and I was misled into believing this was a continuation of my previous agreement with XXXX XXXX XXXX. 

Due to this lack of full disclosure and misrepresentation, I am challenging the enforceability of this contract and requesting that it be voided. 

Request to Cease Collection & Credit Bureau Reporting During Investigation While this dispute is being reviewed, I formally request : XXXX. A temporary hold on all collection efforts, including phone calls, asset seizures, wage garnishment, and legal action. 
XXXX. That this debt not be reported to the credit bureaus, or if it already has, that it be marked as in dispute until the matter is resolved. 

Legal Notice Failure to provide proper validation of this debt while continuing collection efforts may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). If my rights are violated, I am prepared to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please provide a written response within 30 days of receipt of this letter. If you can not validate the debt properly, I expect this collection attempt to cease, and any negative reporting to be removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation