Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XX/XX/year> XXXX and XXXX, XXXX. 
XXXX ID : XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Subject : Formal Notice of Dispute, Demand for Validation, Cease & Desist, and Notice of Intent to Sue File/Account Number : XXXX XXXX To Whom It May Concern : I am writing regarding your attempts to collect a debt that you claim I owe in connection with the above-referenced account. I have reason to believe that your agency, XXXX and XXXX, XXXX. ( XXXX ID : XXXX ), is not licensed to collect debts in the state of North Carolina as required under North Carolina General Statutes XXXX and related statutes governing debt collection practices. 

Licensing Violation under North Carolina Law Please provide immediate proof that your agency is legally licensed to collect debts in North Carolina. Failure to do so renders your collection attempts unlawful under the North Carolina Debt Collection Act ( XXXX ), XXXX XXXX XXXX. XXXX et seq., and XXXX XXXX XXXX XXXX Act, XXXX XXXX XXXX. XXXX. 

If you continue collection activities without providing proof of licensing, I will file complaints with the North Carolina Attorney General, Federal Trade Commission ( FTC ), and other regulatory bodies. 



Formal Notice of Dispute and Debt Validation Request This letter also serves as my formal Notice of Dispute of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ) and Regulation F, XXXX C.F.R. XXXX. I do not acknowledge this debt and demand full validation as required by law. 

You are required to provide the following documentation : XXXX of your licensing in North Carolina to lawfully collect debts. 
XXXXA Forward Flow Agreement or equivalent document proving your legal right to collect this specific debt. 
XXXXChain of Title / Assignment of the debt, showing legal ownership from the original creditor through all intermediaries. 
4.The original creditors name, address, and contact details. 
XXXX.A complete payment history, including : A detailed list of all payments I made toward this account. 
The date of first delinquency. 
The date and amount of the last payment. 
XXXX.A copy of the original signed contract with my signature proving I agreed to this debt. 
XXXXDocumentation confirming whether any insurance claim was filed or paid in relation to this debt. 



FCRA Violations Unauthorized Inquiry On XX/XX/year>, your agency accessed my XXXX credit report without my consent or a valid permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( f ). 

This constitutes unauthorized access to my personal information, and under FCRA XXXX, I am entitled to statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and legal fees. If this inquiry was made under false pretenses, you are subject to criminal penalties under FCRA XXXX. 

Furthermore, unauthorized access to my personal identifying information also constitutes Identity Theft under XXXX XXXX. XXXX and North Carolina Identity Theft Protection Act ( XXXX XXXX XXXX. XXXX ), which prohibits the unlawful use of another persons identifying information. This is a serious federal offense punishable by fines and imprisonment. 

You are hereby demanded to delete the unauthorized credit inquiry immediately and to compensate me for damages incurred as a result of this unlawful action. Failure to comply will result in a lawsuit for identity theft, FCRA violations, and invasion of privacy. 



Debt Reporting Requirements If this alleged debt is being reported to any credit bureaus, you are legally required to : Mark it as disputed in accordance with FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ). 
Cease all reporting until full validation is provided. 
Remove any derogatory reporting if you fail to validate this debt. 



Cease and Desist Notice You must immediately cease all collection efforts, including but not limited to : Phone calls, letters, emails, texts, or any other communication. 
Credit reporting. 
Legal action or threats thereof. 

Do not contact me again until you have provided all requested documentation. Failure to comply will be treated as harassment under FDCPA XXXX and XXXX XXXX, and I will pursue legal remedies. 



Final Demand and Intent to Sue You have XXXX calendar days from receipt of this letter to : XXXX.Provide all documentation as demanded above. 
XXXXDelete the unauthorized XXXX credit inquiry. 
XXXX.Compensate me for damages resulting from FCRA and identity theft violations. 

If you fail to respond or continue to violate my rights, I will initiate legal action for : FDCPA violations ( XXXX U.S.C. XXXX et seq. ) FCRA violations ( XXXX XXXX. XXXX et seq. ) Regulation F violations ( XXXX C.F.R. XXXX ) Identity Theft ( XXXX XXXX. XXXX ) North Carolina XXXX Statutes XXXX and XXXX et seq. 

I will also file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, XXXX XXXX XXXX XXXX XXXX, and XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation