Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
OPPOTUNITY FINANCIAL LLC have violated my consumer rights as a natural person Pursuant, but not limited to, the Fair Credit Reporting Act at [ 15 USC 1681 et seq. ] and the Fair Debt Collection Practices Act at [ 15 USC 1692 et seq. ], and the applicable portions of Truth in Lending ( Regulation -- - Z ), at 12 CFR part 226 et seq., Debt Collector ( XXXX ) are to complete and return this Debt Collection Disclosure Statement '', hereinafter " Statement, '' with all required documentary and evidentiary proofs stipulated herein, in conjunction with the attached and incorporated herein " Offer to Perform Upon Validation of Debt '' within twenty-one ( 21 ) days of receipt by Debt Collector. OPPORTUITY FINANCIAL LLXXXX and its Agent XXXX XXXX have commiited FRAUD providing False, deceptive forms or statement and misleading representaion pursuant to 15 USC 1692e. 

As a Federally protected consumer I have the right to request Documentary Evidence to validate and verify ANY and ALL claims against I, the consumer regarding ANY alleged debt by ANY Corporation and I, the consumer have the right to claim ANY injuries or damages as a result pursuant to 15 USC 1692k- Civil Liability and Criminal liability for willful and knowing violation pursuant to 15 USC 1611. 


OPPORTUITY FINANCIAL LLC and its Agent XXXX XXXX also failed to provide answers to questions asked in previous cease and desist letter. OPPORTUITY FINANCIAL LLC and its Agent XXXX XXXX will be held liable for unfair practices and Noncompliance pursuant to Federal and state laws. 

I hereby give you twenty- one ( 21 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me XXXX XXXX XXXX XXXX all of the replies and details given to the above requests ( XXXX and XXXX of alleged debt ) are true and without deception, fraud or mischief. 

Your said failure to provide the aforementioned documentation within tweenty-one ( XXXX ) days, from the above date, to validate and verify the debt, will constitute your agreement to the following terms ; That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further. 
You agree to pay all fee schedules. 

NOTICE : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' pursuant to 15 USC 1692d and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of XXXX Act 1970 S.40, which makes it a Criminal Offence for a debt collector or a debt XXXX agent to make demands ( for money ), which are aimed at causing XXXX, XXXX or XXXX XXXX, because of their frequency or manner.

Company response to consumer: Closed with explanation