Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: V and H Portfolio
State: FL

Complaint narrative:
I, XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of the alleged account in question. As you keep reporting the alleged account is verified and accurate. I hereby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Vance & Huffman to stop all attempts at collecting this alleged debt owed to you. This letter is addressing VANCE & HUFFMAN LLC, XXXX and XXXX the direct data furnishers of this subterfuge. Vance & Huffman must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore, in order for Vance & Huffman to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with XXXX and XXXX Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Vance & Huffman. Providing that Vance & Huffman is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed below to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provide certified testimony on how you validated this debt to all credit reporting agencies and any and all third-party reporting agencies you have reported to. ( XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) & XXXX XXXX XXXX XXXX XXXX ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of the credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of { {$1000.00} } per violation. Any communications not received by certified mail under the Penalties of Perjury will be refused for cause without dishonor and defective upon its face. Failure to substantiate the claim under Penalties of Perjury, please REMOVE this account immediately within ( 4 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308. Account name : VANCE & HUFFMAN LLC. Account XXXX : XXXX. Balance : {$1100.00}

Company response to consumer: Closed with explanation