Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX First Credit Services XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Re : Cease and Desist Letter - XXXX XXXX XXXX Account Number- ( N/A- a loan was taken out in my name ) Dear First Credit Services., This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number ( n/a ). 
I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed. 

Furthermore, if this account is alleged to be related to the account that has BEEN SOLD, then you are admitting to pooling and servicing agreement also known as securitization. I, XXXX XXXX, DID NOT DISCLOSE, NOR AGREE verbally, electronically, or through written consent with a wet ink signature, that I wanted this course of action with First Credit Services OR ANY RELATED XXXX  PARTIES. First Credit Services contracted with an additional party without my consent, making me VOID to pay ANY ALLEGED DEBT. 

To add upon this, I wanted to provide VALIDATION OF THIS ALLEGED DEBT, with the production of this account and the general ledger statement! 
First Credit Services has broken the LAW and illegally violated my CONSUMER Rights listed below under the FCRA. First Credit Services SEEKED OUT AND USED my personal information, private information, or any experiences nor any negative/adverse transactions through an additional XXXX  PARTY. Under 15 U.S. Code 6801, an affirmative and continuing obligation to respect the privacy of its customers ( myself ) and to protect the security and confidentiality of those customers ' nonpublic personal information. First Credit Services and any other XXXX  party that illegally contracted with violated this right! 
Harassment and unfair practices from this company. You have engaged in harassing and unfair debt collection practices, such as calling me repeatedly at unreasonable hours and using threatening language in mail and email. 
Furthermore to add upon this conflict, this company took out a loan in my name illegally and unlawfully. Not only is this information stated in which I am able to dispute, but by law I am able to dispute. I feel extremely bullied and unsafe, financially and economically. Under USC 15 1692g ( b ), this debt is NOW OFFICIALLY IN DISPUTE! These practices violate the FDCPA and I demand that you cease and desist immediately. BY LAW, all collection activities must cease until this matter is resolved. You are hereby given notice. Any disregard for this law is subject to fines by the FTC. 

Please be advised that if you do not comply with this cease and desist request, I will take the following actions : I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
I will file a lawsuit against you for violations of the FDCPA. 
I will report your actions to my state Attorney General 's office. 
In the event that this debt is not validated, as required by the FDCPA, First Credit Services you have the legal responsibility to terminate the claim and correct any negative reporting with this alleged debt. I expect a written confirmation from you that you have received this letter and will comply with my request. Please send your confirmation to the address below. 

Thank You in Advance, Regards XXXX XXXX : XXXX XXXX agent/ Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation