Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commercial Acceptance Company
State: TX

Complaint narrative:
CEASE AND DESIST FINAL AND LAST NOTICE THE NERVE OF YOUR COMPANY NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION HARRASSMENT AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AGGRAVATED IDENTITY THEFT AND INTENT TO SUE DELETE IMMEDIATELY UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. THIS IS A REFUSAL TO PAY OR PERMISSIBLE PURPOSES I NEVER GAVE CONSENT TO USE XXXX XXXX XXXXXXXX XXXX XXXX PERMISSIBLE PURPOSES WHO ARE YOU XX/XX/XXXX PLAINTIFF : XXXX XXXX XXXX DEFENDANT : COMMERCIAL ACCEPTANCE CO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX Number XXXX for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  FILE RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE $?? 
DEAR : XXXX XXXX XXXX XXXX - DEBT COLLECTOR STOP VIOLATING THE FDCPA USC 1692D EXHIBIT -A HJR 1933 : EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING WOMAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. 
PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW. EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE- LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER ; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO, YOU MAYBE SUED BY THE CFPB. ABRUPTLY, XXXX XXXX XXXX XXXX XXXX UCC1-308 WITHOUT PREJUDICE- without recourse BENEFICARY OF acct : XXXX XXXX XXXX NOT THE TRUSTEE ALL DEBTS ARE PREPAID OWN BY UNITED STATES XXXX XXXX XXXX WHO ARE YOU

Company response to consumer: Closed with explanation