Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: IN

Complaint narrative:
Dear CASCADE CAPITAL FUNDING , LLC, I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and CASCADE CAPITAL FUNDING , LLC. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and CASCADE CAPITAL FUNDING , LLC that evidences my agreement to pay the alleged debt in question. 

XXXX. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : - The name of the original creditor, - The principal balance of the alleged debt, - Documentation of any insurance, securities, tax benefits, complete terms of the agreement ( with Defendant signature ), any transaction signed receipts, a detailed itemized statement or other relevant financial transactions related to the account ; I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that CASCADE CAPITAL FUNDING , LLC has made false or inaccurate claims regarding this debt. 

Request for Purchase Agreement I respectfully request that CASCADE CAPITAL FUNDING , LLC to provide the purchase agreement and not a bill of sale. The purchase agreement contains the specific terms and obligations of the original debt and is the only document that can accurately validate the alleged debt. Without this document, CASCADE CAPITAL FUNDING , LLC has failed to meet its burden under the FDCPA, and the debt is unverifiable and unenforceable. 

The purchase agreement is the most accurate document to meet these requirements because it contains the original terms under which the debt was incurred. Without this contract, it is impossible to confirm whether the debt is valid, whether any payments or credits should have been applied, or whether the amount claimed is accurate. 

Without providing this key document, CASCADE CAPITAL FUNDING , LLC can not verify the specific terms under which the debt was created, leaving me at a significant disadvantage. If CASCADE CAPITAL FUNDING , LLC Merely provided a bill of sale or account summary it does not satisfy the requirement for proper validation under the FDCPA. CASCADE CAPITAL FUNDING , LLC must present the purchase agreement, which is the primary document proving the formation and terms of the original debt.

Company response to consumer: Closed with explanation