Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OK, XXXX XXXX XXXX XX/XX/XXXX Millennium Financial Group LLC XX/XX/XXXX RE : Account Number : Unknown Original Creditor : Unknown Amount Claimed : {$190.00} Dear Sir/Madam : This letter is sent in response to your recent communication dated [ date of their letter/call ] regarding the above-referenced account. I am requesting validation of this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. 
Information Requested Please provide the following information and documentation to validate this debt : XXXX. Proof of Original Debt Copy of the original signed contract or agreement creating the debt Complete payment history from the original creditor Account statements showing the balance claimed 2. Chain of Title Documentation Proof that you own this debt or have been authorized to collect on it Documentation of any sale, assignment, or transfer of this debt If this debt has been sold multiple times, complete chain of ownership 3. Verification of Amount Complete breakdown of the amount you claim is owed Itemization of any interest, fees, or charges added to the original balance Explanation of how you calculated the current balance 4. Legal Authorization Copy of your license to collect debts in [ Your State ] Proof that you are authorized to collect this particular debt Documentation showing compliance with state and federal collection laws 5. Account Information Original account number from the creditor Date of last payment made on this account Date this account allegedly went into default Legal Notices Please be aware of the following : 1. Validation Period : Under 15 U.S.C. 1692g, you have 30 days from your initial communication to provide this validation. Until you provide proper validation, you may not continue collection activities.

2. Dispute Notice : This debt is disputed. Any negative information reported to credit bureaus without proper validation may be inaccurate and subject to dispute.

3. Communication Preference : All future communications regarding this matter must be in writing. Do not contact me by telephone.

4. Cease and Desist : If you can not validate this debt as requested, please consider this a formal request that you cease all collection activities and remove any negative information from my credit reports.

Legal Compliance Statement I reserve all rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Telephone Consumer Protection Act ( TCPA ), and any applicable state laws. Any violation of these laws will result in appropriate legal action.

This communication is from a consumer and is protected under the FDCPA. 
Please provide the requested validation within 30 days of your receipt of this letter. Failure to provide proper validation will be considered evidence that this debt is invalid. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response