Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am in receipt of your notice filled with threatening language dated XX/XX/year> which violates the Cease and Desist Notice that I sent via the CFPB on XX/XX/year>. XX/XX/year> you, meaning PRESSLER FELT AND WARSHAW, stated that you would cease communications yet you have contacted me again attempting to collect monies from me for the alleged debt ( s ) that hasn't been validated. These deceitful business practices and constant harassment has caused me severe emotional and mental distress and financial hardships.

I am once again notifying you that I dispute the validity of the debt ( s ) in its entirety. Further, I request the full verification of this debt ( s ) in accordance with 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act. This includes a request for a copy of the original contract or agreement that establishes my legal obligation to pay the debt ( s ), which must be signed by all parties involved, including the original creditor.

Under 15 U.S.C. 1692g ( b ), you, PRESSLER FELT AND WARSHAW and XXXX XXXX XXXX were required to provide validation of the debt ( s ) within 30 days of my request which was on XX/XX/year> and XX/XX/year>. As of XX/XX/year>, you PRESSLER FELT AND WARSHAW and XXXX XXXX XXXX have failed to provide me with the proper documentation to satisfy my request. In the absence of such validation, all collection activity must cease immediately. This includes ceasing all communications with me and any reporting to consumer credit agencies. I also request that you promptly initiate the removal of the inaccurate reporting currently being furnished on my consumer report regarding this alleged debt ( s ).

To proceed with proper validation, please provide the following documentation : The name and address of the original creditor and any subsequent creditors or assignees.

Verification of the debt ( s ) amount you are attempting to collect, including itemized charges.

Any assignment or proof of ownership of the debt ( s ), including the original account number and the debtor 's name.

Securitization or sale documentation, if applicable, showing that you have the legal right to collect this debt ( s ).

All agreements, contracts, or statements related to the alleged debt ( s ).

Insurance claims, if any, that have been made on the debt ( s ). 
Judgments, if any, related to this account.

Provide me with the IRS 1099-C form if the alleged debt ( s ) were charged-off.

The bonding agent for your collection company, should legal action become necessary. 
Proof of proper securitization of the debt ( s ), including all relevant documentation showing that the debt has been legally securitized and that you or your client have the right to enforce this debt ( s ).

Provide me with the Forward Flow Agreement and the Chain of Assignment.

Please ensure that the following information is included : Name and address of the alleged creditor.

The alleged account number.

The alleged debt ( s ) amount.

Date the alleged debt ( s ) became payable.

Date of the original charge-off and/or date of first delinquency.

Whether the debt ( s ) was assigned to a debt collector or purchased.

The commission rate for any collection efforts that may be successful. 
Being that you received my XXXX XXXX Notice on XX/XX/year> you will not be granted any additional time to complete an investigation of my dispute. The FCRA states you must complete an investigation no later than 30 days which you've failed to do. Please provide the full list of items referenced above within ( 5 ) five calendar days from the date of receipt of this notice. I advise you to not send me a pile of statements received from the alleged creditor as proof that I owe your Company as per the judgment in the case of XXXXXXXX XXXX XXXX XXXX  XXXX, a copy of the consumer contract is not sufficient evidence to validate a debt. If you are unable to provide the complete list of items I've requested within the allowed time frame, I demand that all references to this alleged debt ( s ) be deleted from my consumer report and a copy of the deletion request should be sent to me immediately. Do not contact me by any means unless providing me with the complete list of items I've requested above. 
See attachment for further details.

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