Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F.H. Cann & Associates , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand Regarding Alleged Debt Reference XXXX XXXX  Dear F.H. Cann & Associates , Inc., This letter serves as formal notice that I dispute the alleged debt associated with the above reference number and demand that you cease and desist all communication and collection activities related to this matter immediately. 

Violation of Debt Collection Laws Upon review of your correspondence and alleged collection practices, I believe your actions violate multiple laws, including the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other federal statutes, as follows : 1. Improper Assignment of Debt ( 812 ( a ) ) The letter you provided names XXXX XXXX XXXX XXXX as the original creditor. However, it appears that XXXX XXXX no longer owns this debt. If the debt was transferred or sold, your attempts to collect while referencing XXXX XXXX create a false and deceptive belief that XXXX XXXX is still participating in the collection effort. This violates 15 U.S.C. 1692e and 812 ( a ).

2. Extortionate Practices ( 18 U.S.C. 894 ) Your attempt to collect on this alleged debt, without proper proof of ownership or authority, amounts to extortionate practices. Under 18 U.S.C. 894, the use of any implicit or explicit threat to collect an extension of credit by improper means is strictly prohibited.

3. Failure to Provide Proper Validation Pursuant to 15 U.S.C. 1692g, your notice fails to meet the required standards for debt validation. Specifically : It does not adequately validate the debt with clear evidence of ownership and a full accounting of the alleged amount. 
It does not provide proof that you have the legal authority to collect this debt, as required under federal law. 

Demand for Immediate Action 1. Cease All Collection Activities I demand that you immediately cease and desist all communication with me regarding this alleged debt. Any further contact, including phone calls, letters, or other communications, will be considered harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities.

2. Drop All Debt Collection Actions If you can not provide indisputable proof of your legal authority to collect this debt, I demand that you drop all collection actions and update your records to reflect that no further action should be taken against me. 
3. Provide Proof of Ownership and Validation If you intend to continue pursuing this matter, you must furnish : Documentation proving that the alleged debt is valid, including a signed agreement or contract ; Evidence that you lawfully own or have been assigned the debt ; A full accounting of the alleged amount owed.

Notice of My Rights Under the FDCPA, you are prohibited from contacting me further unless you can fully validate the debt and prove your legal authority to collect. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation