Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mountain Run Solutions, LLC
State: NV

Complaint narrative:
Subject : Cease and Desist Notice and Request for Full Validation of Alleged Debt Account Number : XXXX To Whom It May Concern, This letter serves as a formal Cease and Desist Notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am requesting that Mountain Run Solutions immediately cease all communication with me, directly or indirectly, including but not limited to reporting or communicating about the alleged debt on my consumer report. 

Under the FDCPA, communication includes any contact through phone calls, emails, letters, or reporting information to credit bureaus. Any further communication will be viewed as harassment and a violation of federal law, and I will pursue legal remedies accordingly. 

Lack of Authorization and Allegations of Identity Theft You did not have authorization to purchase my personal information or alleged debt. This action constitutes a violation of federal identity theft laws, specifically under 18 U.S.C. 1028 ( a ), which protects individuals against the misuse or unauthorized acquisition of personal information. Your company has no legal basis for possessing or attempting to collect on an alleged debt without my express consent or a verified contract.

Lack of Contract and Validation of Debt I have no contract with Mountain Run Solutions. Furthermore, this alleged debt has not been validated, and I am demanding that you comply with the FDCPA 's requirements for debt validation under 15 U.S.C. 1692g. This false debt is negatively affecting my livelihood, and I am entitled to a full and thorough validation of the debt.

As part of this validation, you must provide the following within 10 days of receipt of this notice : Proof of Contract : Provide a contract bearing my wet-ink signature as evidence that I agreed to this debt. 
Chain of Assignment : Provide detailed documentation of the chain of assignment, including the names and contact information of all parties involved in the transfer of this alleged debt.

Witness Testimony : Provide sworn statements from witnesses with firsthand knowledge of the validation process, including addresses, dates, and any neighbors or individuals contacted as part of your investigation.

Sworn Statement Under Penalty of Perjury : Provide a sworn affidavit, under penalty of perjury, confirming that your company has not violated any FDC
PA provisions during the collection of this alleged debt.

Data Breaches and Impact on Validity Due to the known breaches of personal information by credit bureaus, it is impossible to conclusively determine the accuracy or ownership of the alleged debt. Your failure to provide validation in compliance with the FDCPA will confirm that this alleged debt is illegitimate. 

Legal Notice and Intent to Pursue Remedies If my personal information has been sold or further disseminated by your company, I will pursue legal action for identity theft, breaches of privacy, and any other applicable violations under federal law. Furthermore, failure to provide the requested documentation or to cease all communication will result in additional legal ramifications, including but not limited to claims for damages, penalties, and fees associated with your violations. 

You have 10 days from receipt of this notice to provide the requested information and confirm the removal of this account from my consumer report. Failure to comply will result in immediate legal action. 

Thank you for your prompt attention to this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation