Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XX/XX/year>2024 Progressive Management Systems XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Re : Debt Validation Request ( Pre-Litigation ) Account Number XXXX XXXX To Whom It May Concern : I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease.
Do not contact me about this matter nor any other related matter you have. CEASE AND DESIST CONTACT, AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ), by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports. I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation. The Bill of Sale is only PART of the ENTIRE PURCHASE AGREEMENT and I am clearly requesting the ENTIRE PURCHASE AGREEMENT. Requesting this is my right because if this escalates to court, the burden of PROOF is on you to prove to me that I owe this ALLEGED obligation. If you are unable to do respond a timely manner, you must notify the consumer reporting agencies where this information is being reported to be DELETED immediately!
The account is noted below : XXXX / XXXX Please provide me with a copy of all of the following information as is my right to request from you under the FDCPA : The ENTIRE purchase agreement associated with this alleged obligation The agreement that grants you the authority to collect on this alleged debt An explanation of what this alleged account balance is for Swear under the penalty of perjury that you were present during the alleged debt A copy of your state license, including the license number that gives you rights to collect in my state A complete audit trail calculation of this balance, including the complete payment history on this account, so that I have proof that the amount is correct Documentation that shows I agreed to pay this debt with my signature and documentation shows that I gave YOU permission to have my information and paperwork showing that I gave YOU authorization to report this information to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for doing so.

Reporting information that you know is inaccurate or invalidated violates the Fair Credit Reporting Act. You have committed the following FDCPA violations : 15 U.S. Code 1692d - Harassment or abuse A debtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Your agency is harming my reputation, which is a violation of this section.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumerthat a person other than thecreditor of such consumeris participating in the collection of or in an attempt to collect adebt such consumerallegedly owes suchcreditor, when in fact such person is not so participating.

I am not participating in the collection of this alleged debt so your agency is in violation of this section.

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debtcollector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Under this section, I demand {$1000.00} for each violation as you have caused me severe damage to my character.

I will submit this letter to My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the XXXX day timeframe you have. 

You have XXXX days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages along with the violations you already committed.

If your office is able to provide me with ACCEPTABLE evidence of what I am requesting, I will demand at least XXXX  days for me to investigate the information and all collection efforts shall cease and desist at that time.

If your office fails to respond to this validation request within the allotted time, again all reports of these accounts must be deleted from reporting on all XXXX major credit bureaus or I will seek legal action against your agency to protect my credit rating and character.

Best Regards,

Company response to consumer: Closed with explanation