Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collections Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation. Here is a list of the required documentation : 1. Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please provide verification by line item ( which explanation of each item was were the good received, when were the good received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 

2. Date of Last Activity 3. My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 

4. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

The obligation between you and I that allows you to collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e. driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grans you the authority to collect on this alleged debt. ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary of burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Any other intimate knowledge of the creation of the debt by you, the collection agency. 

I'm sure you know, under the FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debit is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 

While I prefer not to litigate, I will sue the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation