Consumer complaint received 2025-04-05 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: Alliance One, Inc.
State: MD

Complaint narrative:
Subject : URGENT Follow-Up Debt Validation Request & Dispute of Incorrect Amounts I am following up on my original debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, as your previous response failed to provide the required documentation. Additionally, I have received conflicting information regarding the balance owed and discrepancies in account numbers, raising concerns about potential violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Issues with Your Response & Missing Documentation : XXXX. Missing Chain of Title / Assignment Documentation You have not provided a full chain of assignment showing the legal transfer of ownership of the debt. I demand documented proof of ownership verifying that your agency has the legal right to collect this debt.

XXXX. Failure to Provide the Original Signed Contract I requested a copy of the original signed agreement that allegedly binds me to this debt. You have not provided this, which is required for validation.

XXXX Incomplete Payment History & Charge Breakdown I requested a full itemized breakdown of payments, credits, debits, and fees applied to the account. Your response lacks this information. You also failed to justify additional fees such as the collection charge, which must be documented as part of the original agreement per FDCPA Section 808.

XXXX. Incorrect Debt Amount & Possible Double Collection I have an official debt notice from Alliance One dated XXXX XXXX XXXX showing a balance of {$420.00}. However, your response claims a balance of {$990.00}. I demand an explanation for this discrepancy and proof that the balance you claim is accurate and legally enforceable. Otherwise, this could be considered a violation of FDCPA regulations.

5. Account Number Discrepancy The account number on the collection notice I received is XXXX, but your response references account number XXXX. I demand clarification on which account is being pursued, along with verification that the debt you are attempting to collect is valid and has not been duplicated or incorrectly assigned.

XXXX. Failure to Confirm That the Debt Is Not Time-Barred You did not confirm whether the debt is within the statute of limitations for collection in my state. You are required to verify that this debt is still legally enforceable.

7. Failure to Provide Insurance Claim Details I demand documentation of any insurance claims that were applied to this account. If any portion of this debt was covered or settled through insurance, that must be reflected in the balance and properly documented.

Formal Demand for Compliance & Next Steps : Under 15 U.S.C. 1692g ( b ), you must provide proper validation of this debt within XXXX  days of receiving this letter. If you fail to do so, I will assume you can not validate the debt, and you must : Cease all collection efforts immediately Remove any negative reporting from my credit file if applicable If you continue to pursue this debt or report it inaccurately without proper validation, I will be forced to take further action, including : Reporting potential violations to the Federal Trade Commission ( FTC ) and my state Attorney General Pursuing legal action under FDCPA and FCRA for damages, statutory penalties, and attorney fees This is my final request for proper debt validation of both alleged accounts listed above. If you fail to comply, you must immediately cease collection activity.

Company response to consumer: Closed with non-monetary relief