Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Help Financial, LLC
State: GA

Complaint narrative:
Demand for Chain of Assignment, Account-Level Documentation, and Repossession-Related Records under FCRA and Applicable Consumer Law Account No. FIRST HELP FINANCIAL - XXXXXXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am writing to formally dispute and request all documentation related to the above-referenced account, which FIRST HELP FINANCIAL - XXXXXXXX XXXX XXXX XXXX XXXX is reporting on my credit file. The account reflects a balance of {$0.00}, with a last payment date of XX/XX/year>. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ), and related consumer protection statutes, I hereby request complete and verifiable documentation to substantiate the accuracy and legal basis for all reporting associated with this account, particularly as it pertains to any vehicle repossession activity. 

Specifically, I request the following : The complete chain of assignment, including all bills of sale, contracts, or other documents evidencing ownership or servicing rights of this account from its origin to First Help Financial ; The original account agreement or contract bearing my signature ; A complete payment history and account ledger, including all charges, fees, and interest accrued; All notices of default and repossession, including right-to-cure notices, as required under applicable state laws and the Uniform Commercial Code ( UCC ) 9-611, which mandates that secured parties must send consumers a reasonable authenticated notification of disposition prior to repossession ; Documentation of the repossession, including : The date, time, and location of the repossession ; The name and contact information of the repossession company ; Proof of compliance with any required pre-repossession notices ; Post-repossession sale information, including : Auction/sale date and location ; The amount for which the vehicle was sold ; Deficiency balance calculation ( if any ) and payment records ; Notices of sale or deficiency, and any records that show whether a deficiency balance was assessed or collected ; Any other documentation supporting the accuracy of the reported information, including repossession status, balance history, and the accounts current zero-dollar balance. 

XXXX XXXX XXXX XXXX XXXX. XXXX ( b ) of the FCRA, furnishers of information are required to conduct a reasonable investigation and verify the accuracy of disputed information. Further, under the FDCPA, 15 U.S.C. 1692e, debt collectors and creditors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt including repossessed vehicle accounts and deficiency balances.

Additionally, under the Uniform Commercial Code ( UCC ) 9-601 to 9-624, consumers have the right to receive pre-sale and post-sale notifications when personal property, such as a vehicle, is repossessed. Non-compliance with these provisions may void any claim to a deficiency balance and may constitute a violation of consumer protection laws. 

Demand for Timely Response You are required to provide the requested documentation within 30 days of receipt of this letter. Failure to do so may constitute a violation of the FCRA and other applicable laws, entitling me to statutory damages, actual damages, attorneys fees, and injunctive relief. See 15 U.S.C. 1681n, 1681o.

Preservation of Evidence First Help Financial is hereby notified to preserve all documents, electronic data, communications, and internal records related to this account, including but not limited to repossession activity. Destruction or alteration of such evidence may result in sanctions for spoliation. 

Please direct all responses and documentation to the mailing address provided above. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation