Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: FL

Complaint narrative:
CERTIFIED MAIL # XXXX TO : XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX c/o : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX NOTICE TO CUREand Failure to Contest Acceptance and Agreement Reference : CERTIFIED MAIL # XXXX Do not ignore it. 
This Notice sent via recorded delivery to you, dated XX/XX/XXXX, regarding a potential liability for a presumed debt. 


You were requested to send certain documentation so as to validate and verify your claims against me the aggrieved man and have failed to do so. To date you have failed to adequately respond or have ignored the contents of that notice which has left me with the assumption that you do not have any valid claim against me and that there is no debt lawfully owed by me. 
I wish however to offer you another opportunity to substantiate your claims by forwarding the following documentations. I accept for value upon proof of claim : Proof that you still hold the original instrument of indebtedness Validation of the debt and Proof that XXXX XXXX XXXX or any of its affiliated agents, parent companies, proxies, etc actually suffered a loss ( Copy of the actual accounting ). 
Proof of your claim against me in the form of a signed sworn Affidavit ; or an original and valid bill, with the words Bill/invoice and value on the face of it, complete with signature.

Copies of any bi-lateral or tri-lateral contracts which create obligations on each party to perform, evidenced as such by signatures binding the parties in agreement, INCLUDING any delegated instrument of Novation, signed and sealed in a tripartite contract.

An Equitable Deed of Assignment ( not a notice of assignment two very different legal documents ) should be made available to validate your claims. This should be executed as a Deed, granted by the grantor or original creditor and indorsed by instrumentary witnesses in solemn form.

It may be wise to take note that the following are the terms of a lawful contract : 1. Full disclosure 2. Equal consideration.

3. Lawful terms and conditions.

4. Signatures of the Parties/Meeting of the minds ( corporations can not sign because they have no right, or mind, to contract as they are legal fictions ). 
In the previous notice served upon you I stated : Should you not be in receipt of any of the aforementioned documents, then you are party to a fraudulent act, therefore I reserve the right to seek full recourse remedy through the courts of law. 
As you have so far failed to substantiate your alleged claim I now also request the following information : Registration details with The Federal Trade commission/ Security and Exchange Commission Registration details with The Information Commissioners of offices Your Consumer Credit License number Your Public liability insurance details/ Bond Information It is also my understanding that the liability presented to me is in fact an offer of a contract which I have a lawful right to decline, as a contract can not be enforced under protest and duress and against my will. 
I demand that all of the above conditions be met and presented in Affidavit format sworn under oath or attestation, under penalty of perjury and upon your full commercial liability. 
Your failure to provide Proof of Claim in the form of the above reasonably requested specific items will comprise the tacit procuration of debt collection liability Agencys agreement to the following terms and conditions.

XXXX XXXX XXXX are a third party interloper with no first-hand knowledge of the facts of the matter. 
XXXX XXXX XXXX ( or any of its affiliated agents, Parent companies, proxies, etc ) does not have the legal right or lawful authority to attempt to enforce collection of the invalid claim and will not attempt to do so in the future. 
XXXX XXXX XXXX ( or any of its affiliated agents, parent companies, proxies, etc ) has no authority to adversely affect the credit rating or any system records of XXXX XXXX and that any negative remarks made to any liability reference agency system will be removed immediately. 
XXXX XXXX XXXX ( or any of if its affiliated agents, parent companies, proxies, etc ) does not have the legal right and lawful authority to sell the alleged liability, pass it back to its client and / or appoint an agent to act on its behalf in this matter. 
CEASE AND DESIST I remind you of my request that all further communications be made in writing only therefore you are hereby served notice as of XX/XX/XXXX, under the Protection from Harassment Act 1997 to Cease and Desist any doorstep visits, calls and texts to the addressee. Furthermore, you are to Cease & Desist in any attempt to contact the family, friends, neighbors, employers or any persons associated with the presumed alleged account holder in regards to this matter. 
Any further unauthorized communication ( text, calls or door-step visits ) from XXXX XXXX XXXX ( or any of its affiliated agents, parent companies, Proxies, etc. ) to the above mentioned address answered or not will incur administration fees as outlined in the schedule below. 
Should you now fail to comply with this notice I will report you to Federal Trade Commission and XXXX XXXX XXXX  along with The Financial Conduct Authority better known to you maybe as Security and Exchange Commission. Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the communications Act 2003. 
Fee Schedule Any invalid claims against XXXX XXXX and/or attempting to contact the Authorized Representative by mail, wrongful addresses that arent the domicile listed in exact format or, mobile phone and/or telephone will constitute the agreement of violating my right of privacy by continuing to report inaccuracies with no consent. selling information to a third party with out my knowledge. no full disclosure when asked for the forward flow agreement, chain of title, bill of sale improper investigation timeframe. 
violating cease and desist by continuing to correspond with bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation