Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: NV

Complaint narrative:
Subject : Debt Validation Request and Forward Flow Agreement Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ) To Whom It May Concern, I am writing in response to a letter I recently received regarding the alleged debt associated with XXXX XXXX XXXX, XXXX XXXX of XXXX ( XXXX XXXX XXXX XXXX XXXX Case Number XXXX. This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and relevant provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). 
Requested Documentation for Validation : Proof of Ownership and Chain of Title : A complete accounting of how XXXX XXXX XXXX, XXXX obtained this alleged debt, including a Forward Flow Agreement as well as the Purchase and Sale Agreement between XXXX and XXXX XXXX XXXX. 
Itemized Account Statements : A breakdown of how the balance of {$2700.00} was calculated, including interest, fees, and any payments made. 
XXXX XXXX XXXX : A copy of the original signed agreement that created this debt, proving I agreed to these terms. 
XXXX of XXXX : Documents showing that all reporting agencies have verified the accuracy of this debt in compliance with 15 U.S.C. 1681e ( b ).

Investigation Documentation : Evidence that an investigation under 15 U.S.C. 1681s-2 ( b ) has been conducted regarding the accuracy of this debt.

Legal Right to Collect : Proof that XXXX XXXX XXXX has legal standing to collect this alleged debt. 
Chain of Assignment : Please provide a complete chain of assignment, including copies of all legal agreements showing the transfer of this debt from the original creditor to your agency A notarized statement from the original creditor confirming transfer.

Cease and Desist Notice Under 15 U.S.C. 1692c ( c ), you are hereby instructed to cease all communication with me regarding this matter, including telephone calls, written correspondence, or digital outreach, unless providing the requested documentation or giving notice of legal action.

Reporting to Any Credit Reporting Agencies ( CRA ) If you are currently reporting, or intend to report, this alleged debt to any CRA ( including but not limited to XXXX XXXX XXXX XXXX ), be advised that : You are required to mark the account as " disputed '' under 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Reporting unverifiable information violates the FCRA and may subject you to civil liability under 15 U.S.C. 1681n and 1681o.

Timely Response Required If you are unable to provide the requested validation within 30 days of your receipt of this letter, you are required to send written confirmation that : The debt is uncollectible, You will cease all collection efforts, and Any and all derogatory reporting to CRAs will be removed and permanently suppressed.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX Attorney General 's Office.

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