Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX, IL, XXXX XX/XX/year> [ Contract Callers INC ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX Re : Request for Debt Validation Account Number : XXXX Dear Contract Callers INC, I am writing to demand the immediate deletion of any collection entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. 1681 section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified a collection entry that was inaccurately reported and must be removed. Please be advised that this letter is a formal request for validation of the debt in question, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
In accordance with the FDCPA, we request that you provide the following documentation and information to validate the alleged debt : 1. The name of the original creditor to whom the debt is owed.

2. A detailed statement of the amount of the debt, including the principal balance, interest, fees, and any other charges that comprise the total amount you claim is owed.

3. A copy of the original signed agreement or contract that establishes my clients obligation to pay the debt, including any terms and conditions.

4. An itemized statement showing all payments made towards the debt, credits applied, and the current balance.

5. Proof of your authorization to collect the debt on behalf of the original creditor, if applicable, including any assignment, transfer, or sale of the debt.

6. A copy of any judgment or court order ( if applicable ) that you claim authorizes this debt or the collection efforts against my client.

7. Proof that the statute of limitations has not expired on this debt, if applicable, including the date the debt was incurred and the last date of activity.

8. Any documentation or correspondence that demonstrates that my client is the correct debtor for this account.

Additionally, please be advised that under the FDCPA, you are required to cease any further collection efforts until this debt has been properly validated. Furthermore, should you fail to provide the requested documentation within 30 days of receipt of this letter, you are required to cease any collection activities, including reporting this alleged debt to credit bureaus.

If you are unable to provide adequate validation of the debt, I trust you will immediately remove any references to this debt from my clients credit report and cease further collection attempts.

This letter is being sent to you in accordance with my rights under the FDCPA, and failure to respond to this request could result in legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies.

Please send the requested documentation to the address listed above. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation