Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc
State: VA

Complaint narrative:
Regarding : January Technologies , Inc. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX from XXXX to XXXX XXXX, Monday to Friday XXXX Subject : Cease and Desist Invalid Debt Collection Attempt & Violations of Federal Law Dear XXXX Debt XXXX, I am writing in response to your attempts to collect an alleged debt originally associated with XXXX. This debt was deliberately charged off by XXXX and written off as a loss, which indicates that XXXX has likely already received compensation through insurance or other internal financial mechanisms. Therefore, any attempt to pursue me for repayment constitutes double recovery, which is both unethical and potentially unlawful. 

In addition to this, I was explicitly informed by XXXX, both in writing and verbally, that this account would not be reported to credit bureaus and was not being treated as a furnished loan. Despite these assurances, Affirm knowingly and falsely reported this debt to the credit reporting agencies, constituting false credit furnishing and a violation of the Fair Credit Reporting Act ( XXXX  ), XXXX U.S. Code XXXX, which prohibits the reporting of inaccurate information to credit bureaus. 

Further, your collection attempts appear to violate several provisions of the Fair Debt Collection Practices Act ( XXXX  ), XXXX U.S. Code XXXX et seq., including but not limited to : Section XXXX ( XXXX ) ( A ) : Misrepresentation of the character, amount, or legal status of the alleged debt ; Section XXXX ( XXXX ) : Communicating or threatening to communicate false credit information ; Section XXXX ( b ) : Continuing collection activities without validating the debt upon request ; Section XXXX ( c ) : Ignoring a consumers request to cease communication. 

Accordingly, I hereby formally demand that XXXX Debt XXXX CEASE AND DESIST from any and all forms of collection activities, including phone calls, letters, emails, or credit reporting. 

Additionally, I demand that you provide the following within XXXX  days of receipt of this letter : Proof that XXXX Debt XXXX is the legal owner or authorized agent of this debt ; The full accounting and origin of the debt, including documentation showing XXXX  's charge-off and any post-charge-off compensation they received ; A copy of any agreement bearing my signature that legally obligates me to this debt ; The name and contact information of the original creditor and a copy of any communication that affirms the debt was not to be furnished to credit reporting agencies. 

Failure to comply with these requests and continued attempts to collect on this disputed and possibly fraudulent debt will leave me no choice but to report your conduct to the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and my states Attorney General. I also reserve the right to pursue legal action for damages and attorneys fees as provided under the FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation