Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FMA Alliance, Ltd.
State: NC

Complaint narrative:
Attn : File Number : XXXX Legal Department : This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. 

Your unauthorized contact attempts/papers attached hereto are refused, denied and returned for fraud. All parties must agree to a debt claim to be enforceable and legal. I never agreed to a contract with your company. Additionally, evidence of debt alone does not make you a person entitled to collect. If your presumption is that you've obtained tactic or implied consent, you have now been put on notice that any subrogation has now been rebutted and any presumption of consent is hereby void for fraud. 

Further, the Fair Debt Collection Practices Act does not give you the authority to force me to consent to contract with you. Show me your lawful authority to enforce an alleged debt claim against me to my detriment without my consent. 

You are also in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of a debt.

I agree to pay any financial obligation which I might lawfully owe ON THE CONDITION that you provide ALL of the following : 1 ) Validation of the debt -- that is, the actual accounting.

2 ) Verification of your claim against me ; that is a signed invoice.

3 ) A copy of the Contract binding both parties ( myself and your company ) in a letter by " certified mail '' so that there is an " independent witness '' to it having been delivered.

Without Prejudice : I reserve all of my lawful rights regarding this matter and accept no contract unless it is shown to be lawful by meeting the four essential conditions to a lawfully binding contract -- -namely : 1 ) Full Disclosure 2 ) Equal Consideration 3 ) Lawful Terms and Conditions 4 ) Signatures ; that is the wet ink signatures of both parties, myself and your company, as no third party can sign a contract on your behalf.

If you can not substantively answer within 15 days and either prove your authority or prove specific contractual obligation between you and me, then cease and desist and immediately remove any derogatory reporting to the credit bureaus.

I am aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Therefore you can not add interest or fees except those allowed by the original contract or state law. Also, you do not have to respond to this dispute, but if you do, any attempt to collect this debt without validating it, violates the FDCPA.

Note that I am keeping accurate records of this and all communications with your company. You do not have to respond to this dispute, but if you do, any attempt to collect this debt without validating it, violates the FDCPA.

The report of information knowing of its inaccuracy or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2 and if you pursue a judgment before validating this debt is a failure of the FDCPA.

Further, as an act of good faith, provide me with written confirmation this matter has been resolved and any negative reporting to the credit bureaus has ceased.

I look forward to an uneventful resolution of this matter.

Thank you for your cooperation in advance.

Company response to consumer: Closed with explanation