Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Subject : Dispute of Auto Collection Debt Dear Sir/Madam, I am writing this letter to formally dispute the auto collection debt associated with the account number [ Account Number ]. I believe there are inaccuracies and discrepancies in the information provided, and I kindly request that you investigate and remove this debt from my records. 

I would like to bring your attention to the following points : 1. Validation of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request full validation of the debt, including the original signed contract or agreement that gives you the authority to collect this debt on behalf of the original creditor. Please provide all relevant documentation that proves the validity and ownership of the debt.

2. Verification of Accuracy : It is crucial to ensure that the debt you are attempting to collect is accurate and complete. I request that you provide me with a detailed account statement, which includes the original amount owed, any additional fees or charges, and a breakdown of the interest calculation. Please also clarify the dates and nature of any transactions or activities related to the debt.

3. Verification of Statute of Limitations : The statute of limitations for collecting a debt varies by jurisdiction. Before pursuing collection activities, I request that you confirm whether the debt falls within the applicable statute of limitations in [ insert your jurisdiction ]. If the statute of limitations has expired, I expect you to cease collection efforts immediately.

4. Dispute of Ownership : I dispute the ownership of this debt and request that you provide evidence of your legitimate authority to collect it. Please provide documentation that establishes a chain of ownership from the original creditor to your agency. I also request that you confirm whether the debt has been sold or assigned to any other entity in the past.

5. Credit Reporting : If this debt has been reported to any credit reporting agencies, I demand that you immediately remove any negative entries or marks associated with the debt from my credit reports. It is important to rectify any adverse impact on my credit score resulting from this erroneous reporting. 

I kindly request that you conduct a thorough investigation into these matters and provide me with a written response within 30 days of receiving this letter. Failure to respond or adequately address my concerns may result in further legal action to protect my rights under applicable consumer protection laws. 

Please note that all communication regarding this matter should be in writing. I prefer written correspondence to maintain a clear and accurate record of our interactions. 

Thank you for your prompt attention to this dispute. I expect your cooperation in resolving this matter fairly and expeditiously. I look forward to receiving your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation