Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SIMM Associates, Inc.
State: HI

Complaint narrative:
Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) Reference Number # XXXX I recently received communication from you SIMM Associates , Inc . attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was with in 30 days. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request the deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. 
Further, pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : You have no right under the law to send me any type of communication, whatever it is. Cease and desist from all communication immediately. 
Further More You, attempting to collect an alleged debt where the so-called original creditor has falsely represented the character of other violations under 15 USC 1692 e that you are implementing yourself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) This letter is CCed to the Bureau of Consumer Protection Finance, as evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter fully and receive any related information herein. Be advised that if you fail to comply with this demand letter, I may turn the matter over to an attorney ). 
Note : I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violations under this subchapter, plus all remedies and actual damages as a result of your failure pursuant to 15 USC 1692K. 
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, during which time all collection activity shall cease and desist. Also, during this validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. 
This includes any listing of information to a credit reporting repository or agency that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such a request shall be sent to me immediately. 

Sincerely, Your Name The following information is required :. Please fill out the form below in its entirety. 
Name and address of the accused creditor : The name on file of the alleged debtor is : Alleged Account # : Address on file for the alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge-off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. 
A signed agreement the debtor has made with the debt collector or other verifiable proof that the debtor has a contractual obligation to pay the debt collector. 
Any agreement that bears the signature of the debtor, wherein the debtor agrees to pay the creditor,. 
All statements were made while this account was open. 
Have any insurance claims been made by any creditor regarding this account? 
Yes No Have any judgments been obtained by any creditor regarding this account? 
Yes No Please provide me the name and address of the bonding agent for Collection COMPANY NAME, in case legal action becomes necessary : Date : XXXX _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter. 
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 
Please allow 30 calendar days for processing after I receive this information. 

Thank You. 

XXXX, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau via XXXX XXXX

Company response to consumer: Closed with explanation