Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: FL

Complaint narrative:
To : XXXX. for MOHELA/XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX To whom it XXXX concern, I am writing to you regarding the account associated with Account Number : XXXX which I believe is held by your agency. Before proceeding with any further actions, I would like to bring to your attention that this communication is not to be construed as a refusal to address the outstanding balance, but rather as a formal request for validation of the debt, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ).

It is imperative to clarify that this notice does not constitute a mere request for verification of the account or a demonstration of my mailing address. Rather, it is a demand for validation in accordance with the legal provisions of the FDCPA. I respectfully ask that your agency provide substantiated proof of the claimed debt, demonstrating my legal obligation to repay.

Specifically, I request the following documentation : The precise amount claimed by your agency as owed by me.

An itemized breakdown elucidating the computation of said amount.

Copies of any documents indicating my agreement to assume the alleged debt.

Identification of the original creditor.

Confirmation that the debt has not exceeded the statute of limitations ( SOL ).

Verification of your status as a licensed debt collector.

Disclosure of your license numbers and the identity of your registered agent.

Bond number of the licensed debt collector.

Furnishing of the original contract bearing my wet ink signature.

Provision of the original contract or security agreement pertaining to the repayment of the purported debt.

I must emphasize that any dissemination of invalidated account information to major credit reporting agencies, including but not limited to TransUnion, Equifax, and Experian, will be regarded as a fraudulent act under federal and state statutes. Consequently, any negative reporting by your agency or its affiliates may result in legal recourse on my part, including but not limited to actions for : Violations of the Fair Credit Reporting Act ( FCRA ).

Breaches of the FDCPA.

Defamation of character.

Unauthorized use of copyrighted material.

Invasion of privacy.

Reporting without my consent pursuant to Federal Law 1681.

Furthermore, any adverse actions taken during the validation period, such as inaccurately reporting information or affirming the validity of the account without providing adequate evidence, will prompt me to seek legal counsel regarding potential litigation.

Should your agency furnish the requested documentation, I require a minimum of thirty ( 30 ) days to review the information provided. During this interval, all debt collection activities must cease.

Additionally, I request clarification regarding the method of payment mandated should the debt be proven valid. To my understanding, the U.S. Congress has provided a lawful remedy for the settlement of debts through House XXXX XXXX ( XXXX. ) XXXX of XX/XX/year>, pursuant to United States, Public Law 73-10, and Public Law 48 stat. 112, among others.

Failure to respond to this debt validation request within ten ( 10 ) days of receipt will necessitate the complete removal of the account information from my credit report. A copy of the deletion request should be promptly forwarded to me, or I will pursue legal action.

Furthermore, I hereby request, in writing, that all communications from your agency be conducted via mail to the address provided in this correspondence. Any attempts to contact me by phone, especially through automated or excessive calls, will be deemed harassment and may result in legal repercussions. All future correspondence should be submitted in the form of a commercial affidavit, executed under penalty of perjury, and dispatched via certified mail. Any other mode of service will be deemed defective on its face.

I trust that you will ensure the accuracy and completeness of your records before necessitating legal intervention. This communication is intended to rectify any discrepancies and facilitate an amicable resolution. Any information obtained shall be used solely for this purpose. 



Sincerely, XXXX XXXX XXXX XXXX XXXX

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