Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Business Factors
State: KY

Complaint narrative:
Accounts Referenced : XXXX ) Account Name : NATIONAL BUSINESS FACT Account number : XXXX Pursuant to 15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; XXXX must provide how they verified that this debt belongs to me. 
XXXX ) How did you verify this account : XXXX belongs to me? 
XXXX ) Provide an original contract for the reference account : XXXX with my wet signature. 
XXXX ) Provide documentation showing that I am contractually obligated to this account : XXXX. 
XXXX ) Provide proof that NATIONAL BUSINESS FACT has the legal right to collect on this account : XXXX XXXX ) Provide any agreements or contracts I purportedly signed with NATIONAL BUSINESS FACT, in which I made an agreement with NATIONAL BUSINESS FACT.

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Sections ; 802. Congressional findings and declarations of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt XXXXollectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

- NATIONAL BUSINESS FACT has partaken in Abusive practices, False and misleading representation practices.

-NATIONAL BUSINESS FACT is falsely and misleadingly representing themselves.

-NATIONAL BUSINESS FACT is not legally able to conduct business in the State of Nevada , in which this alleged debt arose.

-Upon investing NATIONAL BUSINESS FACT, submitted a certificate of dissolution with the State of California in on XX/XX/2015. ( Certificate of Dissolution attached to personal affidavit ). Therefore misleading and representing who they are.

-NATIONAL BUSINESS FACT does not have legal binding contract, agreement, or documentation with the consumer : XXXX XXXX XXXX in which the consumer signed to do conduct business with them. 
-NATIONAL BUSINESS FACT does not have a legal binding contract, agreement, or documentation showing that the consumer is contractually obligated to pay the debt to -NATIONAL BUSINESS FACT on the referenced account : XXXX. NATIONAL BUSINESS FACT has not disclosed such initial communication with the consumer ; orally or written, disclosing its legal position in attempting to collect debt on the referenced account. 
-I have filed a complaint with FTC against NATIONAL BUSINESS FACT for the false/misleading representation and so forth. The report Report Number # : XXXX. 


Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy Furthermore, I request that all collection activity regarding these debts cease until proper validation has been provided.

Please provide the requested documentation to me at the address listed above within 30 days of receipt of this letter. If you are unable to provide proof to validate this debt, I request that it be removed from my credit report immediately. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation