Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: MS

Complaint narrative:
US POST OFFICE CERTIFIED MAIL NUMBER XXXX Fair Debt Collection Practice Act 15 U.S.C. .1692 The Fair Credit Reporting Act, 15 U.S.C. 1681 XX/XX/XXXX, XXXX XXXX Email XXXX Consumer Financial Protection use all others must write to provide verbal communication c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FMA Alliance , Ltd .XXXX XXXX XXXX 
XXXX, TX XXXX XXXX FMA Alliance , Ltd XXXX XXXX XXXX XXXX  TX XXXX XXXX Debt Validation Claim RE : This letter of dispute is to address concerns about legal liability for financial Information and associated materials from FMA Alliance , Ltd. COLLECTION AGENCY, 15 USC1692G, 1692B. Attempt to collect. never received permission from XXXX XXXX XXXX. I am asking for a Debt Validation ( 1 ) Please provide the purchase agreement, the original wet signature that I agreed to on the contract on this creditor if any for this alleged account. ( 2 ) Send me a full detailed history/list of all payments/ GAAP ledger for both accounts payable and receivable on this account. ( 3 ) Have there been any insurance claims found or filed on this debt? ( 4 ) Provide me a copy of the Chain of Title you have to collect on this debt. Please understand I deny any and all I am not asking for proof of just name or address because that is not what is in question and in keeping in compliance with G.A.P.P provide the info requested because it violates 5 USC 552a. FMA Alliance , Ltd. COLLECTION AGENCY
is in direct violation USC 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of XXXX XXXX creditor. ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt Please also keep in mind as you use the state statutory laws Federal statutory law, enacted pursuant to constitutional authority. 
Please provide confirmation of this info with the company received from the alleged original party for this account, your help will be appreciated in assisting me.

Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). 
This letter of dispute is to address concerns about legal liability for financial information and associated materials, this includes anyone asking you for your Social as they must indicate what it is being used for and how it is used. FMA Alliance , Ltd., COLLECTION AGENCY never received permission from XXXX XXXX XXXX to use the number associated with any such accounts associated or attached and as stated in PRIVACY ACT ( 5 U.S.C. 552a ) Anyone can request to see or get copies of any personal information that we have in your file. Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protected by the Privacy Act 1974, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. How and for what purpose did you receive a Social Security number of XXXX XXXX XXXX? 
I am maintaining a careful record on my communication with your company. 
RESPECTFULLY, XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX, XXXX, and XXXX responses are to be in written communication only OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS A. Users Must Have a Permissible Purpose Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ) As instructed by the consumer in writing. Section 604 ( a ) ( 2 ) For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) For the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ) When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( i ) To review a consumer 's account to determine whether the consumer continues to meet the terms of the account. Section 604 ( a ) ( 3 ) ( F ) ( ii ) To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ) For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E )

Company response to consumer: Closed with explanation