Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Life Line Billing Systems, LLC
State: TX

Complaint narrative:
Life Line Billing Systems , LLC d/b/a LifeXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX RE : Cease and Desist / Debt Validation Request under FDCPA File Number : XXXX To Whom It May Concern : This letter serves as a formal notice to you and your agency under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I am requesting a complete validation of the alleged debt you claim I owe. This is not a request for a billing statement or account summary. You are required under 15 U.S.C. 1692g ( b ) to provide competent legal validation. Until such proof is provided, no collection activities or reporting should continue. 
I am exercising my rights and hereby demand the following : XXXX. Validation of Debt : Provide all of the following : o A signed contract or agreement bearing my signature, proving I agreed to assume this alleged debt. 
o The name and address of the original creditor. 
o A full account of the alleged amount, including how it was calculated. 
o Proof that you are legally authorized to collect in my jurisdiction and on behalf of the creditor. 
2. Cease and Desist : Effective immediately, you must cease and desist all communication with me, as per 15 U.S.C. 1692c ( c ). This includes calls, letters, emails, or contact through any third parties. Do not contact my home, work, or relatives. 
XXXX. False Representation : If you or any of your representatives are not licensed attorneys, stop acting or implying that you are. Misrepresenting legal authority is a violation of FDCPA and will be documented for future claims. 
XXXX. No Proof = No Debt : If you can not provide the above-mentioned documents, you must immediately stop reporting this account to any credit reporting agency. Stop reporting what you can not verify. Continued reporting without verification is a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 
XXXX. Violations and Penalties : Be advised that each violation of the FDCPA is subject to {$1000.00} in statutory damages, per 15 U.S.C. 1692k. Any continued collection activity, false representation, or reporting without proper validation will be considered additional violations. 
XXXX. XXXX Deletion Demand : If you can not fully validate the debt, you must remove this account from all credit reporting agencies within 30 days of receipt of this letter. 
XXXX. Jurisdiction Notice : I do not consent to your jurisdiction. If you are operating outside of my legal jurisdiction without proper registration or authority, that in itself constitutes a violation. 
Please note that this letter is being sent for the purposes of asserting my rights under federal law. It is not an acknowledgment of any debt or obligation. If you do not respond with proper validation within 30 days, I will consider the matter closed and report your agency for violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
Best Regards, XXXX XXXX

Company response to consumer: Untimely response