Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
What happened & timeline : XX/XX/year> : I mailed a written debt validation request to XXXX  ( FDCPA, XXXX XXXX. XXXX ( b ) ) XX/XX/year> ( dated ) : XXXX XXXX responded to my initial request. They attached ( a ) a copy of my insurance policy and ( b ) a selfgenerated summary of charges dated XX/XX/year>. 
XX/XX/year> : I mailed a second followup validation request ( also XXXX ). I requested again, the same documentation that was not provided in the first response letter. 
XX/XX/year> : XXXX shows delivery of my followup letter to XXXX. 
XX/XX/year> : XXXX sent a response letter stating my XX/XX/XXXX letter alleges no new facts and they would not conduct another investigation. 
Current credit reporting : XXXX  continues to show this collection as XXXX for {$150.00} with XXXX as the furnisher on behalf of XXXX XXXX. 

Why this is a problem : No proper validation under FDCPA XXXX ( b ). I asked, twice, for specific documents needed to validate the debt. XXXX has never provided the items required to establish liability and accuracy : -Original signed contract/application establishing I am the obligor ; -Complete, itemized account ledger from day XXXX through chargeoff ( every debit/credit/fee/adjustment ) ; -Proof of assignment/chain of title showing XXXX  legal authority to collect for XXXX XXXX ; -Evidence the claim is within XXXX statute of limitations ( DOFD, accrual, and tolling, if any ). 

A policy copy and a selfgenerated summary created are not the sourceoftruth records and do not satisfy XXXX ( b ). 


No new facts is not an excuse. The burden to validate rests with the collector, not the consumer. I can not add new facts until XXXX supplies the actual records. Resending my prior request was necessary because XXXX never produced the documents in the first place. Saying no new facts to avoid producing validation evades the FDCPA. 

Given the prevalence of data breaches and identity theft, it is unreasonable to expect any consumer to make payment on an account that has not been validated with originalcreditor source records. My request was straightforward and not burdensome : ( XXXX ) the original signed contract/application ; ( XXXX ) a complete itemized ledger; and ( XXXX ) proof of assignment/authority to collect. Instead, XXXX sent only a policy copy and a selfgenerated summary dated XX/XX/year>. Such documents can be generated by anyone and do not reliably establish liability, balance calculation, or chain of title. In light of ongoing datasecurity risks, I will not authorize payment on an unvalidated account, and I ask the XXXX to require the collector to produce originalcreditor records from the system of record ( or delete the tradeline and cease collection ). 

Attachments I can provide : -Copies of my XX/XX/year> and XX/XX/year> validation letters ( with XXXX XXXX receipts and delivery confirmation ) ; -XXXX  XX/XX/year> response letters ; -The policy copy and the selfgenerated summary of charges dated XX/XX/year> ; -Current XXXX  report excerpt showing XXXX XXXX XXXX  tradeline and XXXX.

Company response to consumer: Closed with explanation