Consumer complaint received 2026-01-08 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: CA

Complaint narrative:
Company : Vance & Huffman, LLC Original Creditor : XXXX XXXX XXXX XXXX 
Reported Balance : ~ {$30000.00} Account Type : Collection Account I am submitting this complaint regarding Vance & Huffman, LLCs failure to properly validate an alleged debt, continued collection and credit reporting without validation, improper re-reporting of a previously removed account, and evidence of illegal re-aging and material misrepresentation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Failure to Provide Proper Debt Validation ( FDCPA Violation ) I timely submitted multiple written debt validation requests to Vance & Huffman, including XXXX sent via certified mail. Vance & Huffman failed to provide legally required validation. 
In their written response, Vance & Huffman explicitly state that they only verified : the name and address listed on the account, and the amount due and owing. 
This is explicitly insufficient under the FDCPA. Internal confirmation of a name, address, and balance does notconstitute debt validation. 
Vance & Huffman failed to provide any of the following required written validation : A copy of the original signed agreement or application Identification of the original creditor beyond a name The date of first delinquency Proof of assignment / chain of title ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vance & Huffman XXXX LLC ) Evidence that the alleged debt belongs to me, rather than being verified internally Instead, Vance & Huffman instructed me to visit their website and provide additional personal information, including XXXX data, to access unspecified documents. 
Requiring a consumer to log into a portal or provide additional sensitive information does not satisfy debt validation requirements under the FDCPA. 
A collector can not satisfy a validation request by : Stating they confirmed the name and address Directing a consumer to a website or portal Requiring SSN or additional authentication to access validation Withholding documents unless the consumer provides further personal data This conduct constitutes obstruction, not validation. 

Prior Charge-Off Removal and Improper Re-Reporting This alleged debt previously appeared on my credit report as a charge-off with the original creditor, XXXX XXXX XXXX XXXX I disputed this account with XXXX  and XXXX, and it was removed from my credit reports as a result of those disputes. 
Approximately XXXX year later, Vance & Huffman , LLC began attempting to collect and report what appears to be the same alleged debt, despite its prior removal. 
The account is now being reported with a new collection origination date of XX/XX/year>, which does not reflect the original date of first delinquency. Re-reporting a previously removed account with a reset date constitutes illegal re-agingand misrepresentation of the debts age, in violation of the FDCPA and FCRA. 

Misrepresentation and Evidence of Illegal Re-Aging In their written response, Vance & Huffman XXXX : Because of the age of your debt, we will not sue you for it. 
However, my credit report shows : Collection origination date : XX/XX/year> Original creditor : XXXX XXXX XXXX XXXX 
These statements can not both be true. 
A {$30000.00} personal loan does not suddenly originate in XXXX  unless : The account is brand new, or The reporting date has been improperly reset This discrepancy is evidence of illegal re-aging and material misrepresentation of the debts age, in violation of the FDCPA and FCRA. 

Continued Collection and Credit Reporting Without Validation ( FDCPA + FCRA Violation ) Despite failing to provide proper validation, Vance & Huffman continued : Sending collection notices, and Furnishing this account to credit reporting agencies Continuing collection activity and credit reporting after receipt of a timely dispute without first providing proper validation constitutes : A violation of the FDCPA, and A violation of the FCRA for furnishing inaccurate, misleading, or unverified information Vance & Huffman is effectively reporting and attempting to collect an alleged debt while refusing to produce documentation demonstrating : That the debt is valid That they have legal authority to collect That the account belongs to me

Company response to consumer: Closed with explanation