Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MI

Complaint narrative:
RE : VALIDATION OF ACCOUNT To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company {$52000.00} This letter is being sent to you in response to Reference # XXXX on date XXXX XXXX. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 b ) that your claim is disputed and validation is requested.

I demand verifiable proof of this alleged debt, including a signed contract or other binding instrument bearing my signature, and documentation of your legal authority to collect on it.. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am requesting proof that I am the correct party, and there is some contractual obligation, which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Per my rights under the FDCPA and FCRA, you must address each of the following points in full to satisfy the legal standard of debt validation : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt? Please evidence proof of acquisition by assignment.

4. Please evidence your authorization to do business or
operate in my state. Provide your license number.

5. Please evidence proof of the alleged debt, including specically the alleged contract or other instrument bearing my clear and legible signature.

6. Please evidence me with proof that the statute of limitations has not expired.

7. Please evidence me with a valid, legible copy of the agreement stating the debt.

8. Please evidence that you were on the original contract. 9. Please provide a complete account history, including any charges added for collection activity. 10. Who was the original creditor on this account, and what was the account number?

11. What was the original date of delinquency for this account?

12. What did you pay for this account, and how did you calculate the current amount owed?

13. Have any insurance claims been made by any creditor regarding this account?

Yes or No 14. Have any Judgments been obtained by any creditor regarding this account?

Yes or No 1 15. Was this debt assigned to a debt collector or purchased? 
Yes or No 16. Can you provide a complete chain of custody for this debt, including all purchase and assignment agreements from the original creditor to your agency?

17. Who is the individual verifying the validity of this debt on your behalf? Please include their full name, job title, and legal authority to validate or verify debts.

18. Has a Form 1099-C ( Cancellation of Debt ) been issued for this account? If so, please provide a copy.

19. Please provide detailed accounting records in compliance with GAAP ( Generally Accepted Accounting Principles ), showing the original balance, itemized interest, fees, and any payments or adjustments made.

20. Can you supply a notarized affidavit from a person with direct, firsthand knowledge of the original debt and the legitimacy of your agencys claim?

21. Please provide a copy of your surety bond or proof of bonding/insurance that allows you to collect debts in my state, as required by law.

22. What are your written procedures to ensure compliance with the Fair Credit Reporting Act ( FCRA ) in verifying the accuracy of reported debts under 15 U.S.C. 1681s-2 ( b )?

23. If you have previously verified this debt with any Credit Reporting Agency, what method of verification and supporting documents were used?

24. Can you confirm in writing that you have ceased reporting this debt to all credit reporting agencies during this dispute and validation process?

25. Have you conducted an investigation to determine whether this account is the result of identity theft or fraud? If so, what were the findings?

26. Please list all third parties with whom you have shared my personal, financial, or account-related information in connection with this alleged debt.

I require on point compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim.

Your failure to respond, on point ( all XXXX  inquiries ), in writing, hand signed, in 30 days from the date you receive this letter, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Nothing in this letter shall be construed as an acknowledgment of liability, nor shall it be used as evidence of any contractual relationship.

2 of 3 In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.

Company response to consumer: Closed with explanation