Consumer complaint received 2024-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Veros Credit, LLC
State: CA

Complaint narrative:
XX/XX/2024 XXXX : Veros credit LLc XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ca XXXX I have recently received a copy of my consumer report and noticed that there is an account for the amount of XXXX that is being furnished by your company. Be advised that this account is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692g. It is not, nor has it ever been my intention to avoid paying any obligation that is lawfully owned by the consumer. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying in good faith with this request for validation and return it to me within 30 days of receipt of this letter. 

This is not a request for verification or proof of claimant mailing address. But a request for validation and proof of claim made pursuant to the above-named titles and sections. I respectfully request that your offices provide me with competent evidence as per the attached declaration and proof of claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease any verbal communication calls. 
At this time, I will also inform you that your offices have reported invalidated information to all three major credit reporting agencies prior to validation and proof of claim of the disputed debt. Please note that this action might constitute fraud under both federal and state laws. 
You are currently in violation of the FCRA and the FDCPA, in addition you are defaming my character. 

This alleged debt is considered to be invalid until I receive proper validation and proof of claim of the disputed debt. You have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period of proof of claim if any further action is taken which could be considered detrimental to any of my credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. 

If your company fails to respond to this validation and proof of claim request within 30 days from the date of receipt all references to this account must be deleted and completely removed from my consumer report and a copy of such deletion request shall be sent to me immediately.

Validation of debts [ 15 U.S.C 1692g ] ( b ) if the consumer notifies the debt collector in writing within the 30 days. Described in subsection a the debt or any portion thereof is disputed or that the consumer request the name and address of the original creditor, the debt collector shall seize collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

VERIFICATION- confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. ( Blacks Law Dictionary ) Counter Claim with self-Executing Contract If respondent such as by commission, omission, and otherwise : Fails to provide validation and proof of claim within 30 days Makes a false representation of the character of the herein above referenced alleged debt Makes a false representation of the legal status of the herein above reference alleged debt Makes any threat of action that can not legally be taken in violation of any applicable law such as the law codified in the Fair Debt Collection Practices Act. 

will be construed to be debt collectors tacit acceptance of the terms and conditions stated herein. In which case debt collector agrees to Voluntarily report this account to all credit bureaus as paid as agreed and Voluntary waive all claims against consumer, their agent or heirs with prejudice and The matter regarding this alleged debt is finally and totally settled and Voluntary admits the consumer is the depositor for this account and that debt collector risked none of their assets at the time regarding this account and that they failed to disclose these material facts to consumer and Voluntarily report the date of last activity on this account in the date of this notice Furthermore, debt collectors failure to cease and desist in accordance with the requirements of the FDCPA and other related law and or satisfy the above terms and conditions constitutes debt collectors breach of duty and voluntary agreement to compensate consumer by certified mail with a check within 30 days of the date of billing by the consumer, their agent or heirs in the following amounts : XXXX XXXX Dollars ( {$1000.00} ) for each communication made to consumer, their agent or heirs whether telephonically or in writing which is not in affidavit form, by a person who has firsthand knowledge regarding debt collectors unsubstantiated claim and, XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by consumer where debt consumers commercial ability is impeded due to you, your agents or assigns adverse credit reporting and XXXX XXXX Dollars ( {$5000.00} ) for each court appearance consumer, their agent or heirs makes in response to debt collectors unsubstantiated claims and, Debt collector owes consumer the balance equal to the purported credit limit on this account plus interest and fees for money lent and XXXX XXXX Dollars ( {$5000.00} ) per occurrence for listing or reporting any information to a consumer reporting agency which could be considered detrimental to consumers credit history and Punitive damages in the amount of {$100000.00} and Debt collector tacitly agrees that debt collector will compensate consumer for all cost fees and expenses incurred in defending against this and any and all continued collection attempts by anyone in regards to the above referenced alleged account. 


DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and along with an affidavit signed in accordance with 28 USC 1746 within 30 days from the date of your receipt of this request for validation and proof of claim Alleged name and address of creditor Name on file of alleged debtor Alleged account number Amount of alleged debt Date that this alleged that became/ becomes payable Date of original charge off or delinquency Amount paid if debt was purchased Please attach a copy of any signed agreement/contract that consumer has made with the debt collector or other verifiable proof that debtor has a contractual obligation to pay debt collector Furnish a copy of the original agreement/contract redacting my Social Security number to prevent identity theft and state that you or youre the original creditor is the holder in due course of the agreement/contract and will produce the original for my and a judges inspection should there be a trial to contest these matters.

Produce the account and general Ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect such as FR 2046 balance sheet, ( XXXX # XXXX XXXX, XXXX, XXXX, ) XXXX OID report, XXXX registration statement, XXXX prospectus, RC-S and RC-B call schedules. 
Identified by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt Verified specifically name of persons assigned as trustee to handle corporations affairs and to be held accountable for the actions of the corporation such as the CFO and subordinates responsible for debt collections Verify as a third party debt collector you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note Verify you know and understand that certain clauses in a contract of adhesion such as a so-called forum selection clause are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity Provide verification from the stated creditor that you are authorized to act for them. 
Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of Interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment a violation of the United states title 18 Part 1 Chapter 63 Section 1341False or misleading statements generally It is unlawful for any person, firm, corporation or association, or any employee thereof with intent directly or indirectly to dispose of real or personal property or to perform services, professional or otherwise, or anything of any nature whatsoever or to induce the public to enter into any obligation relating thereto, to make or disseminate or cause to be made or disseminated before the public in this state, or to make or disseminate or cause to be made or disseminated from this state before the public in any state, in any newspaper or other publication, or any advertising device, or by public outcry or proclamation, or in any other manner or means whatever, including over the Internet, any statement, concerning that real or personal property or those services, professional or otherwise, or concerning any circumstance or matter of fact connected with the proposed performance or disposition thereof, which is untrue or misleading, and which is known, or which by the exercise of reasonable care should be known, to be untrue or misleading, or for any person, firm, or corporation to so make or disseminate or cause to be so made or disseminated any such statement as part of a plan or scheme with the intent not to sell that personal property or those services, professional or otherwise, so advertised at the price stated therein, or as so advertised. Any violation of the provisions of this section is a misdemeanor punishable by imprisonment in the county jail not exceeding six months, or by a fine not exceeding XXXX XXXX XXXX XXXX dollars ( {$2500.00} ), or by both that imprisonment and fine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation