Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: PA

Complaint narrative:
This letter is a response to your correspondence in which you claim there is a debt under account numbers ending in XXXX and XXXX for which I allegedly owe money. I hereby dispute said debts, and I request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act that you provide me with the following proof, via certified mail to the above-referenced return address, that the above-referenced debts are valid debts : Produce the original contract or agreement containing a wet-ink signature by XXXX XXXX representing his assent showing that there was ever a real debt owed by XXXX XXXX for the above-referenced accounts XXXX XXXX such an agreement exists ), Produce proof that any sort of default, late payments, or failure to make payments owed by the terms of such an agreement ever occurred ( if such an agreement exists ), Produce proof that XXXX complied with the arbitration clauses of such an agreement ( if such an agreement exists ), Produce proof that all monies and property named as collateral in such an agreement are free and clear of any liens or ownership interests superior to those conferred by the terms of such an agreement ( if such an agreement exists ), Produce proof in the form of a true and certified copy of the complete audit trail of any account showing monies owed arising from such an agreement through audit certification of debt entry in accordance with XXXX, XXXX, XXXX XXXX XXXX, and the UNCITRAL conventions ( if such an agreement exists XXXX, Produce proof that any monies, property, or title interests which XXXX seeks to receive under the terms of such an agreement are free of any statutory liens, encumbrances, or forfeitures for unpaid Federal taxes ( if such an agreement exists ), Produce proof that XXXX paid and reported such Federal taxes, specifically those due for the income in XXXX possession identified on the attached IRS Form 1099-OID, as XXXX is required to pay and report by 26 U.S.C. 6049 ( a ) ( 2 ), Produce proof in the form of a valid tax registration certificate showing an XXXX number that XXXX operates lawfully in compliance with the United States Internal Revenue Code, Produce proof in the form of a valid business license showing a registered agent that XXXX is a real corporation authorized to do business in Pennsylvania and receive service of process for legal matters arising in Pennsylvania, Produce proof that the above-referenced accounts were charged off, and that XXXX was assigned as the collection agency for said accounts, Produce proof of said account owners identity as well as proof that any initial account openings, hard inquiries, charge-offs, collections, or late payments relating to said accounts were actually initiated by the account owner and not the result of identity theft, Failure to respond via certified mail to the requests for proof described herein within XXXX days of receiving this debt validation letter shall constitute an admission by XXXX that the requested proof does not exist, that XXXX has knowingly and voluntarily waived all collection rights in the accounts referenced herein based on the absence of such proof pursuant to the Fair Debt Collection Practices Act, that XXXX hereby releases its claim of lien on the title to any vehicle, monies, real estate, or other property held as collateral or under any other alleged security interest with reference to the accounts described herein, and that XXXX stipulates and agrees to all facts and claims stated within this letter through its representatives signature on the PS Form 3811 return receipt card attached to XXXX certified mail parcel # ( certified mail number ) enclosed herein.

If the proof requested in this letter is not provided by XXXX within XXXX days via certified mail, then I demand that XXXX and all entities or collection agencies acting in concert with XXXX cease and desist all collection activity with reference to any and all accounts or debts described herein, and release any and all monies, property, and interests to property held for collection with reference to said accounts or debts. I further demand that XXXX and all other entities, including credit reporting agencies, state departments of motor vehicle title records , county recorders of real estate deeds, and collection agencies acting in concert with XXXX release any claims of lien on the title to any vehicle, monies, real estate, or other property allegedly held as collateral or under any other alleged security interest with reference to the accounts or debts described herein. Lastly, I demand that XXXX desist in reporting the account ( s ) referenced in this letter or any late payments, collections, charge-offs, or hard inquiries on those account ( s ) to my consumer credit report pursuant to the FCRA and FDCPA. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation