Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
Dear Helvey & Associates , Inc., I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and Helvey & Associates , Inc . I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and Helvey & Associates , Inc. that evidences my agreement to pay the alleged debt in question. 

2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full detailed accounting of the account. This validation should include, but is not limited to, the following : - The name of the original creditor, - The principal balance of the alleged debt, - Documentation of any insurance, securities, tax benefits, complete terms of the agreement ( with my signature ), any transaction signed receipts, a detailed itemized statement or other relevant financial transactions related to the account ; I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that Helvey & Associates , Inc. has made false or inaccurate claims regarding this debt.

3. Request for Purchase Agreement I respectfully request that Helvey & Associates , Inc. to provide the purchase agreement and not a bill of sale. The purchase agreement contains the specific terms and obligations of the original debt and is the only document that can accurately validate the alleged debt. Without this document, Helvey & Associates , Inc. has failed to meet its burden under the FDCPA, and the debt is unverifiable and unenforceable. 

The purchase agreement is the most accurate document to meet these requirements because it contains the original terms under which the debt was incurred. Without this contract, it is impossible to confirm whether the debt is valid, whether any payments or credits should have been applied, or whether the amount claimed is accurate. 

Without providing this key document, Helvey & Associates , Inc. can not verify the specific terms under which the debt was created, leaving me at a significant disadvantage. If Helvey & Associates , Inc. merely provided a bill of sale or account summary it does not satisfy the requirement for proper validation under the FDCPA. Helvey & Associates , Inc. must present the purchase agreement, which is the primary document proving the formation and terms of the original debt.

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