Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: AR

Complaint narrative:
Dear [ Collection AQUA Finance, You are claiming I owe you a debt which is inaccurate. Please provide me validation of this debt immediately. 
( Account Number : XXXX, Account Type : Sales Contract ) As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with verification of this debt. Send me validation at once. 
From the date you receive this letter, cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and I will take action against you.

In your validation response, provide me with the following : A description of what the money you are alleging I owe you is for. 
A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 
An explanation of who the original creditor is, when this account was last paid to the original creditor, and an originating document. 
Proof that the statute of limitations on this account has not expired. 
Include your license number ( all of them ), and your registered agents information. 
Additionally, please provide the following items : The original purchase agreement related to these accounts. 
The chain of assignment documenting the transfer of these accounts from the original creditor to the current creditor. 
The bill of sale detailing the sale or transfer of these accounts. 
Validation of the debt, including any supporting documentation that verifies the accuracy and legitimacy of these accounts. 
Immediately cease reporting of this account during this validation period in accordance with the law, and make no further attempt to contact me regarding this account other than to notify me of your error by regular postal mail. I am closely monitoring and cataloging all communications with your company. If you do not have validation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit reports. If you continue to report inaccurate information, you are in violation of section 807 ( 5 ) of the FDCPA and FCRA rule 611 ( a ) and subject to a fine of {$1000.00} per violation which I intend to pursue if necessary.

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 604 ( a ) ( 2 ) which states I have the right to privacy. Furthermore, under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Furthermore, re-aging debt by changing the date of first delinquency violates the Fair Credit Reporting Act ( FCRA ) and is considered deceptive practices under the Fair Debt Collection Practices Act.

If you do not have the requested validation documentation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit ( My first and last name was removed from here for privacy ) XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation