Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Debt Validation Request and Notice of Potential Violations Reference No. XXXX Dear XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, I am in receipt of your Final Notice dated XX/XX/year>, regarding an alleged debt with reference number XXXX. This is the first communication I have received regarding this matter. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), I am requesting full and proper validation of this alleged debt before any further action. 

Debt Validation Request Required Documentation To validate this debt, I demand the following documents be provided : XXXX. XXXX XXXXXXXX XXXX XXXX between the original creditor and any subsequent buyers, including XXXX XXXX XXXX, proving the chain of custody of this alleged debt. 
XXXX. The complete payment history from the original creditor to present, showing how the alleged balance was calculated. 
XXXX. The original signed agreement or contract proving I agreed to the terms of this alleged debt. 
XXXX. The first date of delinquency from the original creditor. This is necessary to determine whether the statute of limitations has expired. 
XXXX. Confirmation if a XXXX XXXX ( XXXX of XXXX ) has been issued. If a 1099-C was filed, the debt has been legally canceled and is no longer collectable. 
XXXX. Your active XXXX XXXX XXXX  license number and proof of proper registration under the Illinois Collection Agency Act ( XXXX ILCS XXXX ). A search of the Illinois Department of Financial and Professional Regulation ( IDFPR ) database found no active license for Linebarger Goggan Blair & Sampson , LLP in Illinois. 
XXXX. A detailed breakdown of the balance, including the original amount, penalties, interest, and collection fees. 

Challenge to Collection Authority As there is no record of your firm holding an active XXXX XXXXXXXX XXXX license, I demand that you cease collection efforts immediately until your legal authorization is confirmed. Under Illinois law, unlicensed collection efforts are unlawful and may result in legal consequences. 

Formal Dispute of Debt Until you provide all requested documentation, I demand : All collection activities be halted immediately, including credit reporting, garnishment, or legal action. 
Immediate removal of any credit reporting related to this alleged debt.

Written confirmation that a 1099-C has or has not been filed.

Cessation of any threats related to license revocation, wage garnishment, or property seizure. 

Legal Consequences for Non-Compliance Failure to provide full validation and proof of licensing within 30 days will result in the following actions : A formal complaint with the Illinois Attorney General, CFPB, and IDFPR regarding your firms unlicensed debt collection activities. 
Legal action for FDCPA violations and possible Illinois state law violations for deceptive collection practices. 

I expect a response within 30 days of your receipt of this letter. Any further attempt to collect without full validation will be considered a willful violation of federal and Illinois consumer protection laws, and I will pursue all available legal remedies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation