Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: J J Marshall & Associates, Inc
State: GA

Complaint narrative:
I have sent several requests to JJ Marshall and Associates per the Fair Debt Collection Practices Act, XXXX, Fair Credit Reporting Act XXXX and section XXXX requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, XXXX you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

On XX/XX/XXXX I sent them a certified letter to the address they have listed publicly (JJ Marshall & Associates
XXXX, MI XXXX) demanding proof that JJ Marshall has a valid debt and lawful right to collect. On XX/XX/XXXX the United States Postal Service attempted delivery and it was refused. This show a clear and willful violation of the law under the FCRA and the FDCPA as they are refusing to validate the debt and show legal proof.

I requested the information below.

* Provide an accounting of any money you claim that I allegedly owe
* Explain and show me how you have computed the amount
* Send me a copy of any original contract that proves I agreed to pay your company the alleged debt
* Identify the name and address of the original creditor
* Confirm that the account has not crossed the SOL period
* Proof that you're a licensed debt collector in your said state along with the license number, name and address on the license and tax ID number
* Show me your license numbers and registered agent.
* Proof of your authority to represent the original creditor or consumer in this legal matter. An acceptable form of proof would be 1. a power of attorney or an assignment letter appointing you as a signee for the debt 2. A statement sworn to under penalty of perjury that the debt is valid and that you are legally entitled to collect this debt on behalf of the original creditor 
* Provide me with the name and official title of the person to whom you verified this information with their company or their computer based system used for verification please also include the date in which you communicated with that individual or the date by which the system was accessed.

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. I am also providing this information to both the United States Attorney Generals Office and the Michigan State Attorney Generals Office. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to: Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

I am attaching a copy of the most recent USPS Certified mailing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation