Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Final Dispute XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, FL XXXX XXXX To : Vance & Huffman, LLC Re : Account XXXX Immediate Removal Request Dear Vance & Huffman, You have reported a debt under my name without providing any legally required proof that I owe it. You have failed to : Provide a signed contract between me and the original creditor. 

Show any valid chain of title proving you have legal ownership of this debt. 

Offer clear, verifiable evidence that I ever agreed to this debt. 

Without these documents, your claim is invalid and unenforceable. 

Furthermore, your continued reporting of this debt is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverified, inaccurate, or incomplete debt information is unlawful and constitutes willful noncompliance. 

Final Demand Immediately remove this debt from all credit reporting agencies. 

Cease all collection activity. 

A formal complaint has already been filed with the CFPB, FTC, and State Attorney General, and I am preparing legal action for violations of federal law. 
__________________ You say I owe a debt. I asked for proof. You gave me access to a portal, but heres the problem : You didnt show any document with my signature. 
If I didnt sign anything, how do I legally owe it? 


You didnt show a real contract between me and the original company. 
That means theres no agreement that proves I accepted this debt. 


You didnt show a legal document that proves you own this debt. 
Just saying you do is not enoughyou need to prove it with a signed assignment or chain of ownership that includes my name. 


You claimed I never asked for validation before That doesnt matter. Im asking now, and youre still required to show full proof before you continue collecting or reporting. 


Right now, youre reporting this debt to the credit bureaus without valid proof that I legally owe anything. Thats not just wrongits illegal. 

What You're Doing Violates Federal Law : Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : You can not continue collecting or reporting a debt that you can not fully validate. 


You can not report false, incomplete, or unverifiable information to credit bureaus. 


Continuing to do so knowingly is considered willful noncompliance, which can lead to legal liability, statutory damages, and civil penalties. 


This debt must be immediately deleted from all credit reports. 
I am keeping full records of this correspondence. Since you failed to provide legal proof, and are still reporting this account, Ive already filed formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) And Im consulting legal counsel regarding potential FDCPA and FCRA violations. 


You have 15 days from the date of this letter to remove this account and stop further contact. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation