Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Revco Management, LLC
State: TX

Complaint narrative:
RE : DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT This notice is issued pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1601, 1692 et seq.

I am formally disputing the validity of the purported debt referenced in your recent communication. Your attempt to collect a debt that is unsigned, unattested, and unverified constitutes a deceptive and potentially unlawful action, and I decline to pay such debt unless and until it has been properly validated in accordance with federal law.

Under 15 U.S.C. 1692g ( a ) - ( b ), I hereby request full validation of the alleged debt. Please provide, within 30 days of your receipt of this notice, the following : A complete itemization and accounting of the alleged debt ; A copy of the original signed contract or agreement bearing my signature ; The name and address of the original creditor ; Verification that your agency has legal standing and authorization to collect this debt ; The name and contact information of a competent witness prepared to testify to the validity and ownership of this debt.

Until such validation is provided, you are to cease all collection activity, including but not limited to : Telephone calls or messages Postal mail or email communications Reporting to credit bureaus Contacting any third parties including my employer or financial institutions Legal threats or proceedings ( including foreclosure ) Failure to comply will be considered a violation of the FDCPA and subject your agency to legal liability, including actual and statutory damages up to {$1000.00} per violation, as well as attorney 's fees pursuant to 15 U.S.C. 1692k.

Additionally, 15 U.S.C. 1692e prohibits any false, deceptive, or misleading representation in the course of collecting a debt. Your communication omitted necessary disclosures and presented unsupported claims that, if acted upon, could cause financial and legal injury by coercing me to part with property and surrender statutory rights under false pretenses.

Should you validate this debt to my satisfaction within the 30-day period, I am willing to resolve the matter with a one-time settlement payment of {$500.00}, under the following non-negotiable conditions : You provide a written settlement letter in advance, agreeing to accept the {$500.00} as payment in full, with no further collection on the account.

You agree, in writing, to permanently delete the account from all consumer credit reporting agencies ( XXXX XXXX XXXX ) immediately upon receipt of payment. This must be stated explicitly in your settlement letter. 

Absent such validation and agreement, you are prohibited from further contact with me through any means or medium. Continued attempts to collect on a disputed, unvalidated debt will be considered harassment, defamation, and slander of credit, which may subject you and your agents to civil liability. 

Finally, I remind you that in XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( 1985 ), a foreclosure was deemed void because the trustee proceeded despite knowing the debt was in dispute. Should foreclosure proceedings be initiated while this debt is unvalidated and disputed, such action may be deemed wrongful and unlawful. 

This is your official notice to cease and desist all collection activities immediately unless and until full validation is provided and the terms above are agreed to in writing.

Company response to consumer: Closed with non-monetary relief