Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
Subject : Follow-Up Regarding Provided Documentation Formal Request for Lawful Validation Dear Zarzaur & Schwartz , I am writing in response to the documentation package you recently sent regarding the alleged debt. Upon thorough review, i see these are copies of documents, I do not see a valid, original contract between myself and XXXX XXXX XXXX, nor do I see my original wet ink signature on any agreement or any of the information asked for & required by law to lawfully collect on an alleged debt. 

While I do not dispute my responsibility to pay a lawful debt, I must prevent further injury and unjust enrichment. Therefore, before any payments or further action, I require you to provide full lawful proof that you possess the valid, enforceable rights to collect on this alleged debt. 

Please provide the following documentation in compliance with all applicable laws, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
CFPB XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Applicable state laws governing debt collection and assignment Specifically, I request : The original signed contract bearing my genuine signature. 
The complete and lawful chain of assignment or ownership from the original creditor ( XXXX XXXX, XXXX. ) to XXXX XXXX XXXX. 
A full, itemized accounting reflecting how the alleged balance was calculated. 
Sworn affidavits or verifications by individuals with personal knowledge of the debt. 

I anticipate that you may claim that electronic records, affidavits without personal knowledge, or summaries of assignment suffice as validation. However, such documents do not meet the legal standard required under FDCPA and the CFPB XXXX XXXX, which explicitly demand original documentation and proper evidentiary support. 

Furthermore, any contradictions between XXXX XXXX XXXX claim as the original creditor on credit reports and the alleged debts origin from XXXX XXXX, XXXX. further undermine your standing and the validity of your claim. 

As a direct result of XXXX XXXX XXXX continued unlawful actions, I have suffered significant injury, including but not limited to : Damage to my credit report and creditworthiness, resulting in denial of credit opportunities and higher borrowing costs. 
Financial harm due to these inaccuracies and ongoing collection efforts. 
XXXX XXXX XXXX XXXXXXXX caused by the false claims and aggressive collection tactics. 
Unnecessary time, expense, and effort expended defending myself against an unvalidated claim. 

These injuries are ongoing and exacerbated by your failure to provide lawful validation or cease improper collection and reporting. I am therefore seeking damages in the amount of {$13000.00} for violations, deception, and the harm caused to me. 

Your continued failure to provide the requested documentation means you are currently in violation of the CFPB XXXX XXXX and applicable federal law. 

Please be advised that I seek to resolve this matter amicably and am willing to pay any legitimate debt once lawful validation is provided. Until then, I demand that all collection activities, including credit reporting and litigation, cease immediately. 

I also formally request that the Consumer Financial Protection Bureau assist in enforcing compliance with these legal requirements and investigate these ongoing violations. 

I am willing to negotiate an offer to settle outside of court please send offer to email XXXX or business address XXXX XXXX XXXX XXXX, Alabama XXXX the same address you have sent documents to. 

I reserve all rights under XXXX XXXX and applicable laws. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation