Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I made a complaint with CFPB due to FH Cann & Associates failure to respond to my request for validation of the debt that they are furnishing on my credit report. The original creditor is listed as XXXXXXXX XXXX. However, FH Cann & Associates responded and stated that they would remove the inaccuracy and seek the validation from the original creditor. I specifically asked for Full accounting for the account, a copy of the assignment of purchase from the creditor, every charge and what was purchased, fee, payment, credit, interest, how they calculated what they claim I owe, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), full chain of assignments from charge off to present, proof that they own the debt with full clear title, proof that they were on the original contract. 


On XX/XX/year> They responded with a letter from XXXX stating how I allegedly owe this debt and provided a timestamp of when I allegedly completed a series of acknowledgments to complete admission process. They also included a " statement of account '' which was simply the school 's tuition and no actual proof that I accrued these charges nor that I actually was admitted to the school. 

On XX/XX/year> I sent a response to FH Cann & Associates stating that they are in violation and furnishing a debt that they are unable to to validate. I once again asked them for them to validate the debt. And they have not responded as of XX/XX/year>. 

This company is in violation of the according to FDCPA 809 ( b ) which states that furnishing, verifying and updating is considered collection activity. They have verified this inaccuracy from the credit bureaus without providing me with all of the items listed and have been in violation of the law which carries a fine of {$1000.00} per violation. It has been over 30 days since I last asked for validation of the debt and they have not provided me with anything.

In summary, I sent F.H Cann & Associates a debt validation letter in XXXX and sent clear instructions on what is needed to validate this debt. They provided me with nothing related to what I asked for or any proof that I owe them any money. I then sent a second letter urging them to validate this debt with the following things listed above or to delete the account off of my credit over 30 days ago and the company has failed to respond, which is a violation in itself because they have had more than 30 days, from the last request I have sent, to investigate. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, they cant continue report a disputed debt if they have failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I have to now seek legal representation as my consumer rights has been constantly violated by this company.

Company response to consumer: Closed with explanation