Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DLC, LLC
State: NV

Complaint narrative:
FINAL CEASE & DESIST, FAILURE TO VALIDATE, FAILURE TO PROVIDE BILL OF SALE, AND NOTICE OF WILLFUL VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX Email : XXXX Date : ( Insert Todays Date ) RE : SECOND & FINAL CEASE AND DESIST FAILURE TO VALIDATE DEBT, FAILURE TO PROVIDE BILL OF SALE, AND ILLEGAL CREDIT REPORTING UPDATE AFTER DISPUTE NOTICE To Whom It May Concern : This letter is a SECOND and FINAL NOTICE, following my original written demand for validation and Cease & Desist under FDCPA 809 ( b ), in relation to your alleged account originally tied to Dollar Loan Center.

Despite the prior notice, you have : FAILED to provide validation FAILED to provide the Bill of Sale FAILED to provide the contract FAILED to provide an accounting FAILED to cease collection activity CONTINUED to update and furnish information to TransUnion These actions constitute willful violations of federal law.

I. You Are Now in Willful Violation of FDCPA 809 ( b ) Once a consumer requests validation : You must stop ALL collection activity until proof is provided. 

Instead of complying, you : Continued updating my TransUnion file Continued furnishing information Continued collection activity Continued reporting the account during a dispute Ignored my written cease-and-desist This is no longer negligent it is willful misconduct.

II. You Updated My Credit Report AFTER a Cease & Desist The account shows updates including : Updated on : XX/XX/year> Status : Collection Remarks : Account information disputed by consumer ( FCRA ) Updating an account that is : In active dispute Not validated Without a Bill of Sale After a cease-and-desist is strictly illegal under : FDCPA 809 ( b ) No collection activity after dispute FCRA 1681s-2 ( b ) No furnishing inaccurate/unvalidated information FCRA 623 ( a ) ( 3 ) Must report accounts accurately during disputes Your agency is in direct violation of these statutes.

III. You Have Still Not Provided the Required Bill of Sale You have not produced : The Bill of Sale The Assignment of Debt Proof of ownership Chain of custody of the alleged debt The original signed contract Full accounting of the balance Under FDCPA 809 ( b ) and case law including : XXXX XXXX XXXX XXXX XXXX Wilber Law Firm You are REQUIRED to provide : Proof you own the debt Proof the balance is correct Proof I am the person liable Proof the debt is collectible A contract bearing my signature You have provided none of this. 

IV. Demand for the Bill of Sale ( Final Request ) This is your final opportunity to provide : Full Bill of Sale INCLUDING pages showing : Transfer of ownership Effective dates Terms of sale Account-level detail Whether the debt was purchased, assigned, or bundled Contract with my signature Full accounting of the balance Documentation proving you have a legal right to collect If you can not produce the Bill of Sale You must permanently delete this account from ALL consumer reporting agencies.

Company response to consumer: Closed with explanation