Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: TX

Complaint narrative:
bXXXX  XXXX  VIOLATION FINAL NOTICE THE NERVE OF YOUR COMPANY NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AGGRAVATED IDENTITY THEFT AND INTENT TO SUE DELETE IMMEDIATELY   \n  UNDER FEDERAL LAW: Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX XXXX XXXX XXXX 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\n    I NEVER GAVE CONSENT TO USE XXXX XXXX XXXX IN COMMERCE PERMISSIBLE PURPOSES WHO ARE YOU \n XXXX                                                                                 XXXX: XXXX XXXX XXXX               \n   \n XXXX XXXX XXXX XXXX AFTER XXXX XXXX FILE #XXXX                                         \n RE: ALLEGED ORIGINAL CREDITOR: ???? ORIGINAL CREDITOR ACCOUNT NUMBER: XXXX   ALLEGED DEBT AMOUNT OR BALANCE $??\nCERTIFIED MAIL# XXXX XXXX XXXX XXXXXXXX XXXX XXXX\nDEAR: UNIFIN INC- DEBT COLLECTOR STOP VIOLATING THE FDCPA USC 1692D   EXHIBIT -A HJR 1933:    \nEXHIBIT A1: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE  \nTHIS 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.   \nACCORDANCE TO 15 USC 1681s-2(a)(7)A(i) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM  \nRESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP  \nHARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT: XXXX XXXX XXXX IN COMMERCE. 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  \nREVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE- \nLISTED ALLEGED DEBT IN ITS ENTIRELY.  YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY  \nATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES   \n(CRAs) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS   \nREQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED   \nDEBT FROM MY CONSUMER REPORT.  THIS LETTER IS EVIDENCE PROVIDED VIA TO THE   \nCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY   \nINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF \nYOU FAIL TO COMPLY WITH THIS LETTER; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY \nALSO, YOU MAYBE SUED BY THE CFPB.  ABRUPTLY, XXXX. XXXX XXXXUCC1-308 WITHOUT \nPREJUDICE- without recourse BENEFICARY OF acct: XXXX XXXX XXXX NOT THE XXXX  ALL DEBTS ARE PREPAID OWN BY UNITED STATES INC HJR 1933'

Company response to consumer: Closed with explanation