Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ragan & Ragan, PC
State: NJ

Complaint narrative:
Formal Demand for Deletion / Invalid Assignment Legal Ownership Challenge XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX : XX/XX/XXXXXXXX  SSN ( Last 4 ) : XXXX Date : XX/XX/XXXXXXXX  To : XXXXXXXX XXXX XXXX [ Insert address from complaint ] CC : Ragan & Ragan , PC XXXX RE : Account and Legal Challenge to Assignment, Request for Permanent Deletion To Whom It May Concern, This letter is written in reference to your response on XX/XX/XXXX, regarding an alleged debt purchased by XXXX XXXX, XXXX and assigned to the law firm Ragan & Ragan. I, XXXX XXXX, am asserting my rights under applicable federal and state law to demand the permanent deletion of this account based on several key legal deficiencies. 

While you assert that a judgment was entered on XX/XX/XXXX, I formally dispute the validity of the assignment, ownership, and due process that led to this outcome. I demand that you : 1. Provide Legal Proof of Assignment and Ownership Under 15 U.S. Code 1692g ( FDCPA ) and relevant contract and property assignment law, I request : A complete chain of assignment from the original creditor to XXXX XXXX, including the bill of sale and redacted loan schedules showing my specific account. 
Proof that XXXX  was assigned rights to enforce the debt prior to initiating litigation, as required under New Jersey court rules. 
The original contract, signed by me, showing terms and agreement to third-party assignment. 
If this can not be provided, the judgment obtained may have lacked proper legal standing and could be vacated under NJ law due to lack of real party in interest ( XXXX XXXX ). 

2. Challenge of Post-Charge-Off Collection Without Proper Validation The original creditor charged off this account, which indicates it was closed as a loss. You can not simply purchase defaulted debt and file suit without full legal transfer of all rights, title, and interest. A charge-off does not legally nullify my rights under : Fair Credit Reporting Act ( FCRA ) 623 ( reporting accuracy ) FDCPA 809 ( a ) ( 1 ) ( validation requirement ) TILA and state usury laws ( if excessive or unclear fees are present ) 3. Absence of Reporting Doesnt Eliminate Responsibility for Inaccuracy Even if you do not report tradelines, if this account appears on public records or indirectly affects my credit score ( e.g., via XXXX XXXX XXXX XXXX or background screening reports ), and you can not validate the debt properly, you are responsible for correcting or deleting inaccurate data. 

4. Formal Demand for Deletion and Cease Collection Given the deficiencies described and your failure to fully validate : I request the immediate and permanent deletion of all references to this debt. 
I demand a cease and desist of any further contact or collection attempts, unless you can provide the full legal chain of assignment and enforceable proof of ownership. 
If these conditions are not met within 30 days of receipt, I will pursue the following : File a motion to vacate the judgment in the appropriate NJ court based on lack of standing and improper assignment. 
File complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) New Jersey Attorney General Consumer Affairs Division Respectfully, XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX

Company response to consumer: Closed with explanation