Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
ATTACHED IS THE POLICE REPORT AS PROOF OF IDENTIFY THEFT WHICH WAS REQUESTED BY THIS COMPANY! READ AS FOLLOWS. 


Request for Debt Validation " To Whom It May Concern '' I am writing in response to your recent communication regarding the debt you claim I owe. You have stated that you are not subject to the requirements of the Fair Debt Collection Practices Act ( FDCPA ) and are not required to provide debt validation. However, I respectfully disagree with this assertion. 

Under the Fair Credit Reporting Act ( FCRA ), creditors must ensure the accuracy and integrity of the information they report to credit bureaus. This includes providing valid documentation to support the debt in question when requested. Moreover, according to Section 809 of the FDCPA, even if you are the original creditor, you are still required to provide verification of the debt upon a written request, especially if there is any dispute or uncertainty regarding the amount or the validity of the debt. 

As a consumer, I have the right to request that the information be verified. I am entitled to know the specifics of this debt, including the original amount, a breakdown of any interest or fees, and proof that I am responsible for this debt. 

I request that you provide the following within 3 DAYS from the date of this complaint 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 Collection 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. And only When you can provide adequate validation of this alleged alleged debt. To refresh your memory on what constitutes legal validation, is a list of the required documentation : Complete Payment history for the entire amount I owe obtained directly from the Original Creditor.

Date of Last Activity My Full complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor. 

Proof of the debt 's validity, including an itemized statement showing the original amount and any additional charges. 
Documentation that proves I am legally responsible for this debt. 
Any evidence of the debt 's transfer or assignment to your company. 
Failure to comply with this request or provide the necessary validation will leave me with no choice but to dispute this matter further with the credit bureaus and the relevant regulatory authorities. 

I'm sure you know, under the FDCPA section 809 ( b ), You are not allowed to pursue collection activity of report to any credit reporting agencies on my behalf, until this debt is validated. You should be made aware that reporting a collection or charge off account is considered collection activity. You should also note that this is EVERYTHING listed here in order to constitute full and sufficient validation of this debt.

I Request of a dispute this alleged Debt IMMEDIATELY! Pursuant to 15 USC 1692g. Since this debt is disputed to cease all collection of this alleged debt which includes reporting on my behalf.

Pursuant to 18 USC 8, I Owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b. They Also have no permission to report ANYTHING using my info pursuant to 15 USC 1681. 

You have XXXX business days to contact the reporting agency in which you are reporting this fraudulent information to which is causing me very bad harm to my well-being and my livelihood.

Company response to consumer: Closed with non-monetary relief