Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: LTD Financial Services, L.P.
State: GA

Complaint narrative:
Formal Demand for Immediate Debt Validation and Legal Compliance Plaintiff XXXX XXXX XXXX XXXX, Defendant XXXX XXXX XXXX XXXX LTD ACQUISITIONS , LLC Alleged Debt XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Alleged Acct. Number : XXXX Alleged Balance : {$470.00} To Whom It May Concern at XXXX XXXX XXXX ands /or LTD ACQUISITIONS , LLC, I am contacting you in response to your recent communication regarding an alleged debt with the Agency XXXX XXXX XXXX attached to the account number listed above. This letter serves as my formal request, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) XXXX Notice for validation of debts for complete and verifiable validation of this supposed debt. 
Let me be perfectly clear I DEMAND the following : 1. Proof that you legally own or have the authority to collect this debt.

2. Proof that you have the right to collect this debt in the state of Georgia.

3. Proof that your company carries a bond and is insured to do business.

4. Proof of how your company accessed the outstanding debt. 
5. Copy of payment history from the original creditor ( XXXXXXXX XXXX XXXX XXXX XXXX 
6. Legal name and address of the original creditor and their means of preferred communication.

7. A copy of the original contract bearing my signature.

8. Copy of the chain of title of this alleged debt.

9. Proof that you can collect this debt from me. 
I demand to see the original contract or agreement I allegedly signed with the original creditor, not some half-hearted computer-generated facsimile. I demand a detailed breakdown of the debt you claim I owe, including all fees. I will not accept vague summaries or generic statements. Provide proof of your legal authority to collect this debt. I expect to see documentation proving the debt was rightfully assigned to you, not just your word on it. 
Do not even think of sending me generic, computer-generated invoices or price lists as 'proof '. Such documents are worthless and insulting to my intelligence. Furthermore, if you attempt to fabricate or alter documents, including misusing the original creditor 's letterhead, know that I will scrutinize every detail. Be warned : any attempt at deception will be met with the full force of legal action. I will not hesitate to bring your fraudulent practices to light and seek all available remedies under the color of law. 
Regarding FCRA and FDCPA Violations : Should you fail to properly validate this debt or if you continue your collection attempts without adhering to legal standards, be prepared to face serious consequences. Both the Fair Credit Reporting Act ( FCRA ) and the FDCPA have been established to protect consumers from precisely the kind of underhanded tactics your agency seems poised to employ. Misrepresentation, inaccurate reporting, or any other form of non-compliance will lead to legal action, including claims for statutory damages, actual damages, and legal costs. 
XXXX XXXX XXXX Activities Immediately : Until you have provided the required documentation that unequivocally proves I owe this debt ; you are to cease all collection efforts. This includes refraining from reporting this debt to any credit bureaus. Any failure to respect this demand will be seen as a willful disregard for my rights under the FCRA and FDCPA. 
Consider this letter a stern warning. Your agency 's reputation and legal standing could be significantly damaged by continuing to pursue this matter without adhering to the legal requirements for debt collection and validation. I expect a prompt and thorough response to this letter, providing all the requested documentation, sent to my address as noted above. 
You have been duly warned. Act accordingly. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response