Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I have sent the following certified letter to the company, and they received it by certified mail and proof of signature. They provided none of the information that was requested in this legal request. THIS IS NOT A DUPLICATE COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Johnson Mark XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL NOTICE OF DISPUTE, DEMAND FOR FULL VALIDATION, AND CEASE & DESIST * * To Whom It May Concern, This correspondence serves as your * * formal notice of dispute * * regarding the alleged debt you claim I owe. This dispute is made pursuant to my rights under 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 all applicable Utah laws governing debt collection and licensing. Be advised that I dispute this alleged debt in its entirety and demand * * strict proof of claim * *. I am requesting * * full validation * *, not mere verification. Any failure to comply with this demand will constitute a violation of federal law and may subject your company to civil liability. -- - # # # DEMAND FOR VALIDATION AND DOCUMENTATION You are hereby required to provide * * ALL * * of the following : 1. * * Proof of Licensing in the State of Utah * * * Evidence that Johnson Mark XXXX is properly licensed and authorized to collect debts in Utah. * Include license number, issuing authority, and dates covering all collection activity. 2. * * Proof of Ownership / Chain of Title * * * A complete and unbroken chain of assignment from the original creditor to your entity. * A copy of the * * full purchase agreement * *, including all schedules, exhibits, and documentation specifically identifying this account. * Proof that this account was included in any transfer or sale. 3. * * Full Account Number * * * The complete account number associated with the alleged debt ( no truncation or masking ). 4. * * Original Contract with Wet Ink Signature * * * A copy of the original signed contract bearing my * * wet ink signature * *. * All original terms, disclosures, and conditions governing the account. 5. * * Full Payment History * * * A complete and itemized transaction history from origination to present. * Including all charges, payments, interest, fees, credits, and adjustments. 6. * * Proof of Authority to Collect * * * Any servicing agreements, collection agreements, or contracts granting you authority to collect on this account. 7. * * Detailed Calculation of the Alleged Balance * * * A full accounting showing precisely how the current balance was calculated. -- - # # # LEGAL NOTICE Take notice that under * * 15 U.S.C. 1692g ( b ) * *, you are required to * * cease all collection activity * * until proper validation is provided. Further : * Any attempt to collect without proper validation constitutes a violation of * * 15 U.S.C. 1692e * * ( false, deceptive, or misleading representations ). * Collection activity without proper licensing in Utah may constitute unlawful and deceptive practices under state law. * Reporting or furnishing this debt to any credit reporting agency without proper validation constitutes a violation of the * * FCRA * *. * Failure to provide competent evidence may also violate * * 15 U.S.C. 1692f * * ( unfair or unconscionable practices ). -- - # # # RELEVANT LEGAL PRECEDENT Your obligations under federal law have been clearly established in, but are not limited to : * * Chauncey v. JDR Recovery Corp. *, 118 F.3d 516 ( 7th Cir. 1997 ) * * Fields v. Wilber Law Firm, P.C. *, 383 F.3d 562 ( 7th Cir. 2004 ) * * Heintz v. Jenkins *, 514 U.S. 291 ( 1995 ) * * Spears v. Brennan *, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) These cases affirm your obligation to provide * * strict validation supported by competent, admissible evidence * *, not mere internal records or unsupported assertions. -- - # # # CEASE AND DESIST Until you provide full compliance with this demand, you are hereby instructed to : * Cease all collection activity immediately * Cease all communication with me except to provide the requested validation * Cease reporting or furnishing this account to any credit reporting agency -- - # # # NOTICE OF INTENT TO PURSUE REMEDIES Failure to comply within * * 15 days * * of receipt of this letter will result in : * Formal complaints filed with the * * Consumer Financial Protection Bureau ( CFPB ) * * * Complaints filed with the * * Federal Trade Commission ( FTC ) * * * Complaints filed with the Utah Attorney Generals Office * Consideration of civil litigation seeking statutory damages, actual damages, costs, and attorneys fees -- - This correspondence is sent * * without prejudice * *, and does not constitute acknowledgment, acceptance, or agreement with any alleged obligation. Sincerely, * * XXXX XXXX XXXX * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation