Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cheadle Law Firm
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Cheadle Law Firm XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account / Alleged Judgment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Dispute, Debt Validation, and Demand for Documentation To Whom It May Concern, I am formally disputing the validity, ownership, and enforceability of the alleged debt you claim to be collecting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable Uniform Commercial Code provisions ( UCC 9-611, UCC 9-613 ), you are hereby required to provide full validation of this debt. 

I have reason to believe this alleged debt was illegally sold, assigned, or transferred without proper notice and that XXXX XXXX no longer owns this debt. Once a debt is sold to a third-party, the original creditor forfeits ownership rights and can not continue to profit from it. 

Accordingly, I demand that you produce the following : XXXX. Proof of Ownership / Standing to Collect The XXXX Form XXXX XXXX was required to file with the IRS if the debt was charged off or forgiven. 
Complete purchase agreement, transfer/trust assignment, flow agreement, and bill of sale showing lawful transfer of the debt to your firm. 
Chain of title/chain of assignment documenting every transfer of this debt. 
XXXX. Account-Level Documentation The original signed contract or agreement with Advance Financial bearing my signature. 
The last billing statement prior to charge-off. 
A full breakdown of the alleged balance ( {$1200.00} judgment, claimed interest, fees, and post-judgment costs ). 
Documentation of all payments made by me ( {$1000.00} to date ) and how they were applied. 
XXXX. Proof of Legal Right to Collect in XXXX  Your firms state licensing information, bonding, and registration to collect debts in XXXX. 
Copy of any insurance claim or surety bond filed in connection with this debt. 
XXXX. Other Required Proof Documentation of securitization, if applicable, showing whether this account was bundled/sold as part of a financial trust or investment. 
Evidence that you followed proper notice requirements before and after filing suit. 
Proof that I was properly served in compliance with state and federal law. 



FDCPA and FCRA Violations I was contacted at my former workplace ( XXXX XXXX XXXX ) despite such contact being prohibited, in violation of 15 U.S.C. 1692c ( a ) ( 3 ). 
I was served lawsuit papers at work, which constitutes harassment and abuse under 15 U.S.C. 1692d. 
XXXX XXXX has refused to respond to my prior disputes and complaints, in violation of 15 U.S.C. 1692g and 15 U.S.C. 1681i. 



My Demands Cease all collection efforts immediately until full validation is provided. 
Provide reimbursement of all payments I made ( {$1000.00} ) since you and/or XXXX XXXX unlawfully collected on a debt without proving ownership. 
Provide monetary relief of {$1000.00} per violation, as allowed under FDCPA and FCRA, for : Unlawful workplace contact. 
Improper service at work. 
Failure to validate the debt. 
Continued collection without proof of ownership. 
Refusal to respond to disputes and CFPB/FTC complaints XXXX 

Failure to comply within XXXX  days will result in : A formal complaint filed with the CFPB, FTC, and XXXX  Attorney General, A lawsuit filed against your firm and XXXX XXXX for statutory damages, attorneys fees, and all other relief available. 



This letter serves as notice of dispute and intent to sue. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation