Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
Subject : Continued Dispute of Alleged Debt Insufficient Validation and Demand for Immediate Deletion of Tradeline To whom it may concern, This letter is in response to your recent communication regarding the alleged debt placed with Williams & Fudge , Inc. by XXXX XXXXXXXX University XXXX. 

After reviewing the documentation you provided, I find that it fails to meet the requirements of proper debt validation under 15 U.S.C. XXXXg of the Fair Debt Collection Practices Act ( FDCPA ) and California Civil CXXXXe XXXX ( XXXX Fair Debt Collection Practices Act ). Specifically : No signed contract or agreement bearing my signature was provided. 

No itemized accounting showing how the alleged balance was calculated was provided. 

No documentation evidencing that Williams & Fudge , Inc. has legal authority or a valid assignment to collect on behalf of XXXX XXXXXXXX University XXXX was provided. 

Mere electronic balance summaries are insufficient to validate the debt. Internal creditor records do not constitute competent evidence of the debt nor of your legal right to collect. 

Further, unless Williams & Fudge , Inc. can prove they own the debt or were granted explicit legal authority via a forward flow agreement or chain of assignment, you are unauthorized to collect or report the debt. Under the FDCPA and applicable California law, mere placement for collection without proper documentation does not establish legal standing to collect. 

Accordingly, I hereby request : A complete chain of assignment showing all transfers of ownership, if any. 

A full copy of any forward flow agreement or servicing contract granting Williams & Fudge , Inc. legal authority to collect on this specific account. 

A copy of the original agreement signed by me creating the alleged obligation. 

Additionally, you are hereby notified that : You may not report this alleged debt as an " open account, '' as it mischaracterizes the nature of the obligation. 

You must immediately delete any tradeline you may have reported to any credit reporting agencies, as continued reporting without full and proper validation violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 

I dispute the validity of this debt in its entirety. Until such time as full and proper validation is provided including all requested documents you must cease all collection activities and remove any related reporting. 

If you continue to pursue collection activities or credit reporting without properly validating the debt and demonstrating legal authority, I will pursue all available remedies under federal and state law, including but not limited to complaints to the Consumer Financial Protection Bureau ( CFPB ), the California Department XXXX XXXX XXXX and XXXX ( XXXX ), and filing a private civil action. 

This communication is made without waiver of any rights, claims, or defenses.

Company response to consumer: Closed with explanation