Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Re : Validation of Alleged Debt Merchants & Medical # XXXX To Whom It May Concern : I am writing in response to your recent attempts to collect on the above-referenced account. I dispute this alleged debt in its entirety and demand validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Specifically, I require the following : 1. Proof of XXXX and XXXX XXXX to Collect You must provide documentation proving that you have a legal right to collect this debt. This includes, but is not limited to : A complete chain of title showing all assignments or transfers of the debt from the original creditor to your organization. 

Evidence that the debt was not sold, transferred, or securitized in a manner that would extinguish your right to collect. 

Copies of any agreements granting you authority to act on behalf of the current owner of the debt, if applicable. 



2. Verification of the XXXX XXXX You are required to provide documentation that substantiates the amount and terms of the alleged debt. This includes : A copy of the original agreement or contract signed by me with the original creditor. 

An itemized accounting of all charges, interest, and payments applied to the account. 

Documentation proving the account belongs to me, including any account-level documentation, communications, or other records. 



3. Clarification of Securitization Status If the alleged debt was securitized, I demand : The pooling and servicing agreement ( XXXX ) or similar documentation outlining the securitization process. 

Evidence showing how securitization impacts your rights as a third-party debt collector to enforce this debt. 



4. Compliance with FDCPA and Cease Collections Until Validation Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until the debt is properly validated. Additionally, any misrepresentation of your right to collect or failure to validate the debt constitutes a violation of the FDCPA and subjects your organization to legal liability. 



5. Notice of Intent to File Complaints and Legal Action Failure to provide the requested validation within 30 days will result in formal complaints being filed with : The Consumer Financial Protection Bureau ( CFPB ). 

The Federal Trade Commission ( FTC ). 

My state Attorney Generals office. 

I would also like all school transcripts/records and the educational release form I signed to release any information to you Furthermore, I reserve all rights to pursue legal remedies against your organization for any violations of the FDCPA, including harassment, misrepresentation, or continued collection activity on an unverified debt. 



This is not a refusal to pay but a request for validation of the debt and proof of your legal standing. I demand all communication regarding this matter be conducted in writing. This request is not burdensome, and I demand all requested information. I also prefer to communicate via CFPB to keep record of everything because my next step is federal court asking for damages and for your company to provide this information in court, which I have a right to as a federally protected consumer to make your company as a debt collector adhere to the provisions of the FDCPA. Again, do not send a bill it proves nothing, and anyone can make up a bill. I need the requested ACCOUNT LEVEL DOCUMENTATION to validate this alleged debt which I'm sure your company have correct? 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation