Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Consuegra & Duffy, P.L.L.C.
State: FL

Complaint narrative:
I recently recieved my financial statement XXXX {$5200.00} was garnished by collection from an unknown account. I have no recollection of opening any accounts with XXXX XXXX XXXX XXXX XXXX a FTC report has been filed for identity theft. 

I am requesting verification of this debt or any subsequent debt named XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, I am emphatically demanding that you provide full disclosure including the information listed below to satisfy my verification requirements. 

XXXX XXXX XXXX of the original contract that PORTFOLIO XXXX XXXX XXXX has with XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the contract between XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX. demonstrating the purchase of the alleged debt including any XXXX all costs related thereto. 

XXXX XXXX XXXX of the contract between XXXX XXXX XXXX XXXX. giving XXXX XXXX XXXX XXXX. authority XXXX act on behalf of XXXX XXXX XXXX XXXX. 

-Certified copies of all records XXXX  a full accounting of the account referenced in your letter as ( MATTER NO : XXXX ) including but not limited to all records from PORTFOLIO XXXX XXXX XXXX XXXX demonstrating that a valid debt exists. 


XXXX XXXX signed Under XXXX XXXX XXXX XXXX XXXX & XXXX XXXX. or any agent ( XXXX ) acting on their behalf has not violated any portion of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). Certified copy of all Public Hazard Bond ( XXXX ) XXXXor Liability Insurance Policy ( XXXX ) XXXX accounting demonstrating the financial capability of XXXX  XXXX XXXX XXXX XXXX XXXX the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-o, an Insurance Claim, or selling the purported debt to a third-party debt collector. -Prove that XXXX XXXX XXXX XXXX. is the creditor of this purported debt. Unless you provide the information listed above within XXXX ( XXXX ) days of receiving this letter, this debt will be deemed invalid, XXXX further collection attempts will be considered a criminal activity attempting XXXX extort monies. 

A criminal complaint XXXX be filed against XXXX XXXX XXXX XXXX with various legal entities including, but not limited XXXX, the Federal Bureau of Investigation ( FBI ) XXXX the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the possibility of criminal activity including, but not limited XXXX violations of the FAIR DEBT COLLECTIONS ACT. XXXX further substantiate the claim that XXXX & XXXX XXXX.. may have, do not hesitate XXXX provide the information requested within the time frame allotted XXXX  settle this matter as quickly as possible. You XXXX contact me only when providing the required information listed above ; Any other communication attempts will be considered to be further attempts XXXX criminally extort monies and will be reported accordingly. Please note that in the event of any legal action, you will be required XXXX provide the original ( XXXX ) of all documents which include wet ink signature ( XXXX ) at any hearing ( XXXX ) commencing from these communications ( or lack thereof ). Also note, that selling ( or otherwise transferring ) this account [ debt collection attempt ] prior XXXX validation may constitute fraud XXXX may result in a federal criminal complaint under the XXXX XXXX XXXX CXXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX. as co-conspirators. Notice XXXX Principal is Notice to Agent Notice XXXX Agent is Notice XXXX Principal. Silence is acquiescence. Acquiescence is estoppels. 

Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED CEASE AND DESIST COLLECTION ACTIVITIES PRIOR XXXX V ALIDATION OF PURPORTED DEBT Notice XXXX  Principal is Notice XXXX Agent Notice XXXX  Agent is Notice XXXX Principal Pursuant XXXX the Fair Debt Collection Practices Act. XXXX XXXX, Sec. XXXX et seq, this constitutes timely written notice that the law requires the return of the attached erroneous purported debt which is unsigned XXXX unattested, XXXX which I herein discharge XXXX cancel in its entirety, without dishonor, on the grounds of breach, false representation XXXX fraud. These claims are bonded XXXX under the mandates of XXXX XXXX of the XXXX of Rights. XXXX XXXX, Sec XXXX ( XXXX ) states that a false, deceptiveXXXX XXXXd misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken.The notice you have sent omits information that is required to be disclosed, such vital citations as disclosing the agencys jurisdictional and statutory authority. XXXX Notice further contains false, deceptive, and misleading representation, and allegations intended to intentionally pervert the truth for the purpose of including XXXX, in reliance upon such, to part with property belonging to them and to surrender certain substantive legal and statutory rights. To act upon this Notice would divest XXXX of his/her property and their prerogative rights, resulting in a legal injury and invasion of privacy. Pursuant to XXXX XXXX, Sec XXXX ( g ) ( XXXX ) Validation of Debts. If you have evidence to validate your claim that the attached does not constitute fraudulent misrepresentation and the one owes this alleged debt to your entity, this is a demand that within XXXX ( XXXX ) days of receipt, you provide such validation and supporting evidence to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, you have no jurisdiction to continue any collection activities.This is constructive notice that, absent the validation of your claim within XXXX ( XXXX ) days of receipt, you must cease and desist any collection activity and are hereby prohibited from making contact through the mail, by telephone, in person, at my home, or at work. 

You are further prohibited from contacting my bank, my employer or any third party. Each XXXX  every attempt of such contact, in violation of this XXXX, will constitute harassment, defamation of character XXXX will subject your agency XXXX/or board including any and all agents in his/her/their capacity, who take part in such harassment XXXX defamation XXXX a liability for actual damages, as well as statutory damages up XXXX {$10000.00} for each and every violation plus further liability for legal fees XXXX  be paid XXXX any counsel which I retain. Furthermore, absent such validation of your claim, you are prohibited from filing any notice of XXXX XXXX/or levy and XXXX also barred from reporting any derogatory information XXXX any XXXX XXXX XXXX XXXX this disputed purported debt. Finally, pursuant XXXX the Fair Debt Collections Act, Title XXXX XXXX, Sec XXXX ( g ) ( XXXX ), as it is clear you are merely an agency or board acting on behalf of someone else, this is a demand that you provide the name of the original principal or holder in due course for whom you are attempting XXXX collect this alleged debt. 

This is an attempt XXXX  gather pertinent information for a pending legal action XXXX any information obtained will be used for that purpose. Silence is acquiescence. Acquiescence is estoppels. I hereby attest that, XXXX the best of my knowledge XXXX  belief that the above information is true correct, XXXX complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation