Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with fraud alerts or security freezes — 
Company: FC HoldCo LLC
State: PA

Complaint narrative:
XXXX  XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX When the account was opened : XXXX, XXXX  Account Balance : {$39000.00} This letter is being sent to you in response to the fact that I have recently viewed negative items reported on my files with the Credit Bureaus XXXX Be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) that Your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe and copies of any papers that bear my signature ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Provide proof to me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent Identification. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact if any negative mark is found on any of my credit reports by your company or the company that you represent ; I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character The statute is Limitations is 2 years in California to Collect a Debt. 
Your company has already passed the deadline. 
If your offices are able to provide the proper documentation as requested in the following Declaration I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period if any action is taken which cold be considered detrimental to any of my credit reports I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so will result in my consultation with my legal counsel for suit.

Under Fair Debt Collection Act ( FDCA ) law you only have 30 calendar days to respond to this demand letter.

I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 
Best Regards, XXXX 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