Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JP Jensen Collections, LLC
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing in reference to the alleged debt account XXXX that your company J.P. Jensen Collections LLC is attempting to collect. J.P. jensen pledged I owe {$15000.00} and has add interest it has become $ XXXX XX/XX/year>, I sent a request for validation and verification of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) and Section 611 of the Fair Credit Reporting Act ( FCRA ). Despite this request, I have not received adequate validation or verification of the debt within the legally mandated timeframe. 
Specifically, I requested the following information, which has not been provided to me : Verification and validation of the debt, including documentation outlining the origin and nature of the debt, the amount owed, and the details of any transactions or agreements related to the debt. 
Proof of your company 's licensure to operate as a debt collection agency in the state of Delaware. As a consumer, I am entitled to verify the legitimacy of your business and ensure compliance with state laws governing debt collection activities. 
A copy of the original contract or agreement that purportedly authorizes your company to collect the debt on behalf of the original creditor. This includes any documentation demonstrating my consent or agreement to be held liable for the debt. 
Any documentation or evidence that substantiates the accuracy and validity of the debt, including account statements, billing invoices, or correspondence from the original creditor.

A copy of the contract or agreement bearing my wet ink signature, establishing the existence of a legally binding agreement between myself and the original creditor or your company.

It is important to note that under federal law, debt collectors are required to provide consumers with validation and verification of disputed debts within 30 days of receiving a written request. Failure to comply with these requirements may constitute a violation of the FDCPA and FCRA, subjecting your company to potential legal action. 
Furthermore, I have previously disputed the validity of this debt with the credit reporting agencies, and they have informed me that they are investigating the matter. Despite my ongoing dispute and the lack of validation from your company, I continue to observe negative reporting of this account on my credit reports. 
Therefore, I demand that your company cease all collection activities related to this debt until you have provided me with the requested documentation and complied with your legal obligations under the FDCPA and FCRA. Additionally, I request that you promptly remove any negative reporting of this account from my credit reports with all three major credit bureaus. 
Please be advised that I am fully aware of my rights as a consumer under federal law, and I am prepared to take further action to protect my rights and seek remedies for any violations committed by your company. This includes but is not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's office in my state. 
I expect a timely response to this letter and the provision of the requested documentation within 14 days from the date of this letter. Failure to comply will result in further action on my part to pursue all available legal remedies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation