Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Portfolio Group
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Debt Validation and Deletion Demand Pursuant to 15 U.S.C. 1692g, 1681s-2, and 623 ( a ) ( 5 ) Account No. : XXXX ( Alleged XXXX Account ) To Whom It May Concern, This letter serves as my formal request for complete validation of the alleged debt referenced above, made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

You are hereby required to provide full and verifiable documentation establishing XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX legal right to collect and/or report this alleged MACYS account. Specifically, please include : A copy of the original signed agreement or contract bearing my signature establishing this alleged account with XXXX or its issuing bank. 


A complete chain of custody and ownership documentation, including all bills of sale and assignment contracts, showing the legal transfer of this account from the original creditor to each subsequent entity, ending with XXXX. 


Account-level documentation for each transfer confirming that XXXX has XXXX ownership and the right to collect. 


The original creditors name, account opening date, and Date of First Delinquency ( DOFD ) as currently reported. 


A copy of any IRS Form XXXX that has been or will be filed in connection with this account. 


A complete method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The process used to verify this account ; The individual ( s ) or department responsible for verification ; The specific documents used ; and The account-level evidence relied upon for that verification.

Be advised that reporting or continuing to report unverifiable or inaccurate information constitutes a direct compliance violation under FCRA 623 ( a ) ( XXXX ), requiring immediate deletion of all references to this account from all consumer reporting agencies. 
Furthermore, XXXX has violated XXXX XXXX. XXXX ( XXXX ) by failing to accurately report the Date of First Delinquency ( DOFD ), which directly impacts how long such information may legally remain on a consumer credit report. 
I trust you understand the seriousness of this matter, as this inaccurate reporting is directly impairing my ability to qualify for credit, causing financial harm and ongoing damage to my personal creditworthiness. Continued reporting or collection activity without proper validation will leave me no alternative but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for investigation and enforcement. 
Accordingly, if you can not provide complete and accurate validation as outlined above, you are required to immediately delete this account from all credit bureaus and cease all collection activity. 

Proof of Delivery and Notice to Cease Contact Pending Validation This letter has been sent to you via Certified Mail, Return Receipt Requested, providing legal proof of delivery. Under 15 U.S.C. 1692g ( b ), all collection activity, including credit reporting and contact by phone, mail, or otherwise, must cease until proper validation is provided.

Any further communication regarding this alleged account, except for the purpose of providing full validation, will be considered a violation of the FDCPA and may result in legal action. 
Please respond in writing within 30 days of your receipt of this notice. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response