Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MCU Holdings, LLC
State: MI

Complaint narrative:
**Legal Response to Third-Party Debt Collector ( Mcu Holdings ) **Date : ** XXXX **To : ** Mcu Holdings **Subject : ** Response to Debt Collection Request for Verification and Dispute of Debt Dear Mcu Holdings, I am writing to acknowledge receipt of your communication dated XXXX regarding the alleged debt owed to Helix Financial by XXXX XXXX, reference number XXXX , in the amount of {$3200.00}. Please consider this letter my formal response in line with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, which mandates that I am entitled to request validation of the debt.

**1. Request for Debt Verification** I request that you provide the following verification within 30 days from receipt of this letter : - The amount of the debt, including a full breakdown of principal, interest, and any fees or penalties applied. 
- Proof that you are authorized to collect this debt on behalf of XXXX XXXX or XXXX XXXX including the original agreement. 
- A copy of the original signed contract or agreement between me and XXXX XXXX XXXX XXXX XXXX 
- Proof that the statute of limitations has not expired on this debt and the date of the last payment made toward this debt. 

Until you provide this verification, I respectfully request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. If you are unable to provide proper documentation within the requested time frame, I will consider this debt invalid, and any further collection attempts will be disputed. 

**2. Dispute of Debt** As of now, I dispute the validity of this alleged debt and request that it be investigated. If you have any documentation to show otherwise, I would expect to see it within 30 days. Please note that any continued attempts to collect this debt without providing sufficient proof of its legitimacy will be considered harassment, which is prohibited under the FDCPA. 

**3. Cease Communication Request** Additionally, under Section 805 of the FDCPA, I formally request that you cease all communications with me except for the specific verification of this debt. Any further unsolicited contact will be deemed as a violation of my rights.

**4. Settlement Options & Negotiation** While I have not agreed to the terms presented in your recent communication, I am open to negotiating a settlement or payment arrangement once proper verification of the debt has been provided. Should the debt be validated, I am prepared to discuss reasonable terms for resolution. However, please note that I will not entertain any settlement without first receiving full validation and documentation. 

Thank you for your attention to this matter. Please provide the requested information within the next 30 days, or I will consider the debt invalid and take further action, including reporting any violations of my rights to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation