Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: CA

Complaint narrative:
This complaint is a response in regards to a correspondence received from RISE ( dated XXXX/XXXX/XXXX, received XXXX/XXXX/XXXX ) in regards to an alleged debt. I received a correspondence from RISE requesting a photo ID and Notarized ID Theft Affidavit. I am not certain what prompted RISE to contact me with this request, but there is a CLOSED account ( truncated number on report XXXX ) listed on my credit file ( s ) that I recently disputed that states this item/account was closed on XXXX XXXX, XXXX as a paid in full charge off. If RISE is claiming that there is an outstanding debt to collect ; the debt will need to be verified. I agree to discharge any debt that can be properly and lawfully verified. What is specifically being requested as valid verification of the alleged debt is numbered and listed below. 1. A legally binding contract signed by both parties, which would include myself ( XXXX XXXX ) and an authorized representative ( an actual living human being ) of RISE which would reflect that two living people actually had an understanding amongst each other and made a binding agreement ( contract ). To be clear ; the wet ink signature document is being requested and is the only acceptable document. Copies of documents can be forged so a copy of a document may possibly be a forgery, therefore I will not accept any document as valid except for the wet ink signature document or a notarized affidavit that confirms that the original wet ink signature document is in possession and can readily be produced in case this issue has to go through a litigious process.
2. If there was an actual loan provided by RISE and there is actually a valid debt that can be verified, I am also requesting the actual accounting that reflects that RISE or any other relevant party actually loaned their own pre-existing money or assets ( including money or assets the Bank may have sourced from another institution )?
3. If RISE is unable to produce any of the above requested items, this alleged debt has not been lawfully verified. If RISE declines to properly address the above mentioned requests and ignores this correspondence completely or the questions posed in this correspondence, their ( RISE ) SILENCE IS AQUIESSENCE and this will in fact reflect that RISE is in agreement that a loan was never provided and that there is no lawfully binding contract that reflects a loan was provided, therefore RISE must cease and desist any further collection activities and also cease and desist reporting to the credit bureau ( s ). Any correspondence that is sent by RISE also needs to be signed by an authorized representative of RISE to be valid. Any correspondence that is not signed by an actual living human which may state something like Sincerely, RISE, Thank you, RISE or, Yours Truly, RISE etc ... is unacceptable. RISE is a CORPORATION and not a living human being, so RISE can not send nor sign documents, this can only be accomplished by and through living human beings, so the only acceptable correspondences sent by RISE must be signed by an actual authorized representative ( living human being ) of the CORPORATION known as RISE.

Company response to consumer: Closed with explanation