Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
-- - RE : Formal Debt Validation / Verification Request Pursuant to 15 U.S.C. 1692g, 1692e, 1692c, 1681s-2, and Related Consumer Protection Laws -- - This letter serves as my formal request for complete debt validation/verification pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

You are hereby notified to cease all collection activity until you provide legally sufficient validation of the alleged debt for accounts 5959 balance of 9559.51 account 9110 balance 2,157 -- - I. DEMAND FOR DEBT VALIDATION AND VERIFICATION Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts until the following documentation is provided : 1. Full itemized accounting of the alleged debt.

2. Original contract ( wet-ink signature ) proving I am legally obligated.

3. Name and address of the original creditor.

4. Proof of assignment, transfer, or legal chain of custody of the debt ( if sold or transferred ).

5. Proof the alleged debt has not been re-aged, altered, or manipulated in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

6. Proof this debt was not previously discharged, forgiven, or issued a 1099-C as required under IRS regulations .

7. Proof the alleged debt has not been resold or transferred without disclosure, constituting a potential violation of identity theft laws and FCRA 609 ( e ).

8. Proof of your legal right to collect in my state.

Until legally sufficient proof is sent, you must stop all collection attempts.

-- - II. CEASE AND DESIST NOTICE Under 15 U.S.C. 1692c ( c ), you are instructed to stop : All phone calls All emails All letters All digital messages Any third-party communications Any credit reporting actions You may communicate only in writing and only for the purpose of providing validation.

-- - III. NOTICE OF FCRA VIOLATIONS & DAMAGES If you are reporting this account to the credit bureaus, you are hereby notified that : Reporting inaccurate, unvalidated, or unverifiable information is a violation of FCRA 15 U.S.C. 1681s-2 ( b ).

Re-aging a charged-off debt violates FCRA 15 U.S.C. 1681c ( a ).

Selling and rebuying a charged-off debt without disclosure is unlawful and may constitute identity theft ( FCRA 609 ( e ) ).

Failure to provide validation but continuing to report constitutes willful noncompliance, subject to damages under 15 U.S.C. 1681n.

Attempting to collect a debt that can not be verified violates 15 U.S.C. 1692e, including false, misleading, or deceptive practices.

-- - IV. NOTICE OF INTENT FOR COMPENSATION FOR VIOLATIONS If you have committed any of the following violations, I will pursue compensation for each : FDCPA Violations False reporting, misreporting, or deception {$1000.00} per violation ( 15 U.S.C. 1692k ).

Harassment or unauthorized collection activity {$1000.00} per violation.

FCRA Violations Willful noncompliance up to {$1000.00} per violation, plus punitive damages ( 15 U.S.C. 1681n ).

Negligent noncompliance actual and statutory damages ( 15 U.S.C. 1681o ).

Identity Theft / Data Misuse Selling or reselling my information without authorization.

Incorrect association of personal data with any debt.

Requested Damages and Compensation : {$100000.00} per violation for : False reporting Identity theft / fraudulent association Re-aging Reselling the debt Reporting without proof Failure to issue required 1099-C Emotional distress Financial losses Privacy breaches Willful FCRA violations This amount serves as a formal notice of the damages sought should litigation become necessary.

-- - V. REQUIRED RESPONSE You have 30 days to provide : Validated proof of debt All documents requested above Correction of any credit reporting inaccuracies Written confirmation of compliance Remove and delete debt Verification of debt Cease reporting If you can not validate the debt : Delete the account from all credit bureaus immediately under FCRA 611.

Cease all collection efforts.

Confirm in writing that the account is closed and removed.

-- - VI. NO ADMISSION OF LIABILITY This letter is not a refusal to pay.

This letter is a request for proof and exercise of my legal rights.

-- - Sincerely

Company response to consumer: Closed with explanation