Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capio Partners, LLC
State: MI

Complaint narrative:
Re : XXXX XXXX Account Number XXXX Dear Sir/Madam, am writing to dispute a collection account that you have reported to XXXX, XXXX, and XXXX. The account number is XXXX and the original creditor is XXXX XXXX XXXX I am requesting that you immediately delete this collection account from my credit reports and cease all communication directly and indirectly regarding this debt as permitted under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I refuse to pay this debt or any other debt that you have in or associated with my name. 
Once again! I am informing you to cease all contact with me or anyone else about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me.

Under the FCRA, a consumer reporting agency may only furnish information for certain permissible purposes, including for credit transactions, employment purposes, and under court order. If a debt collector or collection agency reports an account to a credit reporting agency without a permissible purpose, it could be considered a violation of the FCRA. I never gave XXXX permission to submit an entry on my consumer report! 

Additionally, under the FDCPA, debt collectors must cease communication with a consumer upon written request. I am hereby requesting that you immediately cease all communication with me, including through phone calls, emails, and letters. Any further attempts to contact me regarding this debt will be considered a violation of the FDCPA. 
As per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, as well as the corresponding local state laws, I am requesting competent evidence bearing my signature, which shows that I have ever had any contractual obligation to pay you. I also request any and all documentary evidence pursuant to 15 USC 44, including all documents, papers, correspondence, books of account, and financial and corporate records.

Finally, I am also requesting that you notify all credit reporting agencies to which you have reported this collection account that the debt is disputed and that it has been removed from my credit report as required by the FCRA.

I remind you that you may be liable for your willful and negligent non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in legal action against your company. In such a case, I would seek actual damages or a minimum of {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act, and each violation of the Fair Credit Reporting Act, whichever is greater, and you will be required to appear in a court venue local to me to formally defend yourself. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief