Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc, XXXX XXXX XXXX Date : XX/XX/XXXX Vance & Huffman LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Notice Regarding Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally request that Vance & Huffman LLC immediately cease and desist from all further communication regarding the above-referenced account. This includes, but is not limited to, all forms of communication such as telephone calls, letters, emails, and especially reporting this debt to any credit bureaus. I also request that you remove this account from my credit report, as reporting this debt constitutes a form of communication under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

1. Cease and Desist Request Under the FDCPA Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am entitled to request that a debt collector cease all communication once I have made such a written request. Specifically, the statute states : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer, except to advise the consumer that the debt collector 's further efforts are being terminated. '' Therefore, I am requesting that Vance & Huffman LLC immediately cease and desist from all forms of communication, including but not limited to : Telephone calls Written correspondence ( letters, emails, or any other forms of communication ) Reporting this debt to any credit bureaus ( XXXX, XXXX, XXXX ) XXXX. Reporting to Credit Bureaus Constitutes Communication Please be advised that reporting this debt to credit bureaus constitutes a form of communication under the FDCPA. In the case of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ), the court ruled that reporting a disputed debt to credit bureaus after receiving a cease and desist request is a violation of the FDCPA. The court found that such reporting is considered a form of communication under the FDCPA, and debt collectors are prohibited from engaging in such actions once a cease and desist request has been issued.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors and debt collectors must ensure that the information reported to credit bureaus is accurate. Reporting a debt that is disputed or not properly verified is considered inaccurate under the FCRA. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the U.S. Supreme Court clarified that reporting a disputed debt is prohibited under both the FDCPA and FCRA if the debt collector has been requested to cease communication. 

Therefore, I demand that you immediately remove any and all references to this account from my credit report with XXXX, XXXX, and XXXX. Continuing to report the debt after my cease and desist request would constitute a violation of both the FDCPA and the FCRA. 

XXXX. Debt Validation Request In addition to the cease and desist request, I am also exercising my rights under the FDCPA, 15 U.S.C. 1692g, to request validation of the debt. Please provide the following documentation within 30 days of receiving this letter : A detailed accounting of the debt, including the original balance, interest, fees, and any payments made. 

The name and address of the original creditor. 

Proof that Vance & Huffman LLC is authorized to collect this debt on behalf of the original creditor. 

A copy of the original signed agreement between me and the original creditor, if applicable. 

As outlined in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), debt collectors are required to provide validation of the debt within 30 days of receiving a written request. Failure to provide this information within the designated time frame prohibits you from continuing to pursue the debt or report it to the credit bureaus. 

4. Legal Consequences for Non-Compliance Please be aware that failure to comply with this cease and desist request, including continuing to report the debt to credit bureaus, will result in legal action. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing claims for violations of both the FDCPA and FCRA, which could result in statutory damages, attorney fees, and other penalties.

5. Conclusion In summary, I demand the following : That all communication from Vance & Huffman LLC, including reporting this debt to credit bureaus, cease immediately. 

The removal of this account from my credit report with XXXX, XXXX, and XXXX. 

Validation of the debt within 30 days, as required by law. 

Thank you for your prompt attention to this matter. I expect a written response within 30 days confirming that all communication has ceased and that the requested debt validation has been provided. If you fail to comply, I will not hesitate to take further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation