Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX Vance & Huffman LLC, Subject : Formal Dispute of Debt and Request for Compliance Under 15 U.S. Code 1692 and 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Continued Dispute of Debt Failure to Provide Proper Validation Dear XXXX XXXX XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX, regarding the alleged debt referenced in your correspondence. While I appreciate your acknowledgment of my inquiry through the Consumer Financial Protection Bureau ( CFPB ), I am formally disputing the validity of this debt and requesting full compliance with both 15 U.S. Code 1692 ( Fair Debt Collection Practices Act - FDCPA ) and 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ( Fair Credit Reporting Act - FCRA ).

Failure to Provide Adequate Debt Validation ( 15 U.S. Code 1692g ) 1. Lack of Signed Agreement : You have not provided a signed contract or agreement proving that I am legally responsible for this debt. 
XXXX. Incomplete Account History : You have not furnished a detailed accounting statement showing all charges, payments, interest, and fees leading to the claimed balance. 
XXXX. Failure to Prove Ownership : You have not provided the full chain of custody from the original creditor to Vance & Huffman LLC, proving your legal right to collect this debt. 

Issues with Your Notification Claim Your response states that an initial notification was sent via email on XX/XX/XXXX, and that you confirmed it was opened. However : Email is not a legally recognized method for sending initial debt validation notices under the FDCPA unless I explicitly consented to electronic communications. 
You have failed to provide proof that I agreed to receive debt validation notices electronically instead of by mail. 
Even if the email was opened, it does not prove that I received or read it, nor that it contained the required debt validation disclosures.

Failure to Comply with FCRA ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), when a consumer disputes an account, a proper reinvestigation must be conducted. Your response does not address : How your reinvestigation was conducted and what specific evidence was reviewed. 
Whether my credit report has been updated to reflect the disputed status. 
Any steps taken to verify the accuracy and legitimacy of the debt before reporting it to credit bureaus. 

My Formal Requests Under Federal Law 1. Provide proper debt validation as required by law, including a signed contract, full account history, and proof of legal ownership.

2. Provide proof that I explicitly consented to electronic notifications for debt validation.

3. Immediately remove this debt from my credit report if you can not provide sufficient validation.

4. Cease all collection efforts unless full validation is provided. 

Legal Consequences for Noncompliance If you fail to comply with 15 U.S. Code 1692 and 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I will : Report your violations to the Federal Trade Commission ( FTC ) and my state Attorney Generals Office.

Pursue legal action for unlawful debt collection and credit reporting practices.

Final Request & Response Deadline Please provide all requested documentation within 30 days of receiving this letter. Failure to comply will result in further legal and regulatory actions. 


This letter serves as the second attempt of my dispute, and I would appreciate full cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation