Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
Subject : Formal Debt Validation Request To Williams & Fudge I am writing to formally request validation of the debt you allege I owe, as per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. This request is made in light of my rights as a consumer and my desire to ensure that I am fully informed about the nature of this debt. 

I have been made aware that you have contacted my family members regarding this alleged debt. Such actions constitute multiple violations of the FDCPA, including : 1. **15 U.S.C. 1692b** : You are prohibited from discussing my debt with third parties without my prior consent. Contacting my family members in this manner is a clear violation.

2. **15 U.S.C. 1692c ( b ) ** : This provision expressly forbids any communication with third parties concerning a consumers debt without consent. Your actions are not only a breach of this provision but also constitute harassment. 

3. **15 U.S.C. 1692d** : You may not engage in conduct that is harassing, oppressive, or abusive. The act of contacting my family members is not only unprofessional but may also be viewed as an intimidation tactic designed to coerce payment.

4. **15 U.S.C. 1692e** : You can not use any false, deceptive, or misleading representations in connection with the collection of any debt. If your communications implied that my family members had a legal obligation to pay my debt, this would violate this section.

5. **15 U.S.C. 1692f** : This section prohibits unfair or unconscionable means to collect or attempt to collect a debt. The act of contacting third parties about my alleged debt without my knowledge or consent is a violation of this standard.

To validate this debt and comply with my request under the FDCPA, please provide the following documentation : 1. **Original Creditor Information** : The name of the original creditor, the account number, and the exact amount owed.

2. **Proof of Legal Right to Collect** : Documentation establishing your authority to collect this debt, including any assignment or transfer of the debt from the original creditor to your agency.

3. **Account Statement** : A complete and detailed itemization of the alleged debt, including principal, interest, fees, and any other charges that have been applied.

4. **Supporting Documentation** : Copies of any contracts, agreements, or other documents that substantiate the existence of this debt. This includes any signed agreements related to the debt.

5. **Compliance with State Laws** : Evidence of your compliance with any applicable state laws governing debt collection practices.

Please respond to this request within 30 days of receiving this letter. If you fail to provide the requested validation, I will expect that you cease all collection activities, including any further communication regarding this alleged debt, and remove any negative reporting associated with it from my credit report. 

This letter serves as a formal notice of my rights under the FDCPA and should be treated with the utmost seriousness. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation