January Technologies, Inc.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Debt Validation Request FDCPA 809 ( b ) Account : Multiple Alleged Balance : {$2200.00} Original Creditor : XXXX To Whom It May Concern : This letter is a formal request for validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). This is not a refusal to pay, but a request for proof. You must cease all collection and reporting activity until you provide the following : 1. * * Complete chain of title * * showing legal ownership from the original creditor to your company. 2. * * Original signed contract * * bearing my signature. 3. * * Full itemized accounting * * of the alleged balance, including interest, fees, and charges. 4. * * Proof of your license * * to collect in the State of Michigan. 5. * * Proof of the Date of First Delinquency ( DOFD ) * * as required for accurate credit reporting. 6.…

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On XX/XX/year>, I mailed a formal written pay-for-delete settlement offer to January Technologies, Inc. at their New York office regarding XXXX XXXX, XXXX accounts with a combined balance of {$530.00}. I offered {$220.00} as a lump-sum payment in full in exchange for deletion of all three tradelines from all three major credit bureaus upon payment. I requested a written settlement agreement confirming the terms before any payment would be made. January Technologies received my letter around XX/XX/year>. Despite receiving my written correspondence, January Technologies never responded to my settlement offer and instead continued sending collection emails repeatedly without addressing my proposal. I received over XXXX collection emails from January Technologies between XX/XX/year> and XX/XX/year>, none of which acknowledged or responded to my written settlement offer.…

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I am disputing the accuracy of the XXXX account on my credit report. The payment history and account details appear to be inaccurate and/or incomplete. I request a full investigation into this account, including verification of the reported late payments, balance, and charge-off status. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. If this account can not be properly verified, it must be removed. Please investigate and correct or delete this account.

Heres a clear, firm statement you can use : I am writing to formally dispute this account, as I do not recognize it and did not open it. This account is not mine, and I did not authorize anyone to open or use it on my behalf. I believe this may be the result of fraudulent activity or identity theft. I am requesting that this account be investigated immediately and removed from my records. Please provide me with any documentation related to the opening of this account, including the application and any identifying information used. I also request written confirmation once this matter has been resolved.

since XX/XX/XXXX, they have contacted me every single day. On XX/XX/XXXX, it was over text. from the XXXX until XX/XX/XXXX I have received an email from them every single day. on top of that, I have received multiple text messages, including one today at XXXX oclock in the morning on a Saturday. The email that was sent on XX/XX/XXXX was also sent at XXXX XXXX. so was the one on XX/XX/XXXX. and XX/XX/XXXX!

I am filing a complaint against January Technologies regarding failure to properly validate a disputed debt. I disputed this account due to returned merchandise, missing items, and refunds that were not properly applied to purchases made through XXXX and financed through XXXX. In response to my dispute, January provided only a generic loan agreement and a basic account summary. These documents do not include any transaction-level accounting, proof of delivery, records of returned merchandise, or documentation showing how the balance was calculated after refunds. January explicitly stated that they do not have visibility into how the balance was calculated and directed me to contact XXXX. As the debt collector, they are required under federal law to provide validation of the debt they are attempting to collect. Redirecting me to the original creditor does not satisfy this requirement. I sent a follow-up dispute clearly outlining these deficiencies.…

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I am filing this complaint regarding a collection account related to an XXXX account being handled by January. I dispute the accuracy and validity of this debt. I have not received proper validation, including proof of authorization, a complete payment history, or an itemized breakdown of the balance. Despite this, collection attempts have continued through repeated messages. This may constitute violations of the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( failure to validate debt ) and 15 U.S.C. 1692e ( false or misleading representations ), as well as the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( inaccurate reporting ). I am requesting : Full validation of this debt Immediate investigation Deletion from all credit reporting agencies if not properly verified.

I am submitting this complaint regarding a {$7800.00} loan issued through Affirm for an online business coaching program operated under multiple names, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX, I enrolled in this program based on promises of structured mentorship, consistent support, and a 90-day income guarantee. Almost immediately, it became clear that the program did not deliver what was advertised. Onboarding was misleading, support was inconsistent, and the content did not match the representations made during enrollment. I requested a refund and disputed the charges directly with the company, but these attempts were denied. The debt was then sent to collections, negatively affecting my credit. The account has been transferred between multiple collection agencies. It was initially placed with XXXX XXXX XXXX XXXX, and has since been transferred to XXXX. As of XX/XX/XXXX, the company is no longer operating.…

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A company ( XXXX ) used false promises of making money, using misleading advertising through XXXX post, got me to sign a contract to repay a loan in exchange for access to an educational course that would teach me to make money. The was no plan of repayment or expectation how much I owe monthly. I signed, received access but the course was very poorly built. After reaching out to them to cancel, they were unwilling to provide a recording of our phone call in which I was pressured to " loan '' {$8200.00} by entering false information ( such as making XXXX $ in income ) and initialing a line on the paper electronically. I was forced to pay {$1000.00} towards it before it was sent for collections. This education course is not worth XXXX XXXX My account has now been sent to collections agency which I am also disputing. I have already filed a fraud report with FTC, disputed charges with my bank, credit agencies, collections agency as of XX/XX/year>.…

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An XXXX account was created using my name and email. The shipping address, date of birth, social security number, and phone number used was the criminal 's information so I am unable to 'validate ' the account because I do not have the criminal 's information. The original XXXX communication is connected to reference number XXXX where I informed them of the account being created fraudulently and the purchases were fraudulent. I contacted XXXX skin care ( order XXXX ) and they were able to stop the order because of the fraudulent activity. I contacted XXXX ( order XXXX ) and alerted them of the fraudulent activity. They stated they were unable to stop the order and the order would be shipped to XXXX, OR. I do not live in XXXX. I do not know a single person in XXXX or in the entire state of Oregon. Also, the name on the name on these are orders are XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. It is obvious the order was fraudulent.…

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On XX/XX/year> I received these email XXXX XXXX XXXX, XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX, XXXX .. We will use any information you give us to help collect the debt. Please take a moment to review the balance and make sure our information is accurate. Our information shows : You had an XXXX purchase balance from XXXX, XXXX with an account number ending in XXXX. As of XX/XX/year>, you owed : {$990.00} Between XX/XX/year> and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total balance due : {$990.00} Notice : See the bottom of this email for important information. At your convenience, you can contact us about your balance by phone, mail, or email. You can also use our website XXXX to pay the debt, set up a payment plan, file a dispute, request debt validation, or learn more information about the debt.…

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Subject : Request for Investigation and Removal of Debt from Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of a debt that has been reported in my name regarding an account originally associated with XXXX XXXX XXXX and referenced by your company. According to the information provided, this account reflects a balance of {$430.00} as of XX/XX/year>, related to a purchase through XXXX XXXX XXXX. At this time, I am requesting a full investigation into the accuracy and validity of this debt. I do not recall authorizing or having full knowledge of this account in the manner it has been reported. Additionally, I have not received sufficient documentation verifying that this debt is valid, accurate, and legally collectible.…

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I am writing to file a complaint regarding a debt currently being serviced or collected through January on behalf of XXXX Bank and/or XXXX XXXX XXXX XXXX XXXX ). I was presented with a balance of {$4600.00} ; however, I have not been provided with proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have not received : A copy of the original signed agreement or contract A full payment history showing how the balance was calculated A breakdown of interest, fees, or additional charges added to the account Additionally, the platform provided ( XXXX ) does not offer a clear or sufficient method to submit a full written dispute with supporting documentation. There is no accessible or responsive direct email for submitting a formal dispute, which limits my ability to exercise my rights under federal law.…

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Hello, I made a purchase on the website XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>. I ordered the XXXX XXXX XXXX in size XXXX, XXXX XXXX and I used XXXX to pay for the purchase. I received the wrong style of shoes from the merchant. They sent me a ankle style of boots in XXXX XXXX. I emailed the merchant that I didnt receive the correct style and the merchant said to return the incorrect shoes to them by using their pre-paid USPS shipping label. I shipped back the shoes and received an email from the merchant saying he will not be refunding me for my order. I stated why I wouldnt receive a refund, if I sent back the incorrect shoes I received. The merchant used vulgar language towards me. I stopped engaging with the merchant and I reported the purchase to XXXX. I provided images of proof to XXXX of the incorrect shoes and labels used. XXXX informed me I am still responsible to pay for the shoes.…

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I am filing a complaint regarding a company named January that is reporting a debt on my credit report. I do not recall having any account or agreement with this company, and I have not received proper validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt being reported or collected. At this time, the company has failed to provide sufficient documentation proving that this debt is valid and that I am legally responsible for it. I am requesting that January provide full debt validation, including : The original creditors name and account information A copy of the original contract or agreement bearing my signature A complete payment history and itemized balance Documentation showing that January has the legal right to collect this debt Proof that the debt is accurate and belongs to me Until proper validation is provided, this account should not be reported on my…

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I am disputing alleged debts being collected by January Technologies These debts do not appear on my credit report, and I have not received proper documentation proving that I am legally responsible for these amounts. January Technologies is attempting to collect the following amounts : {$490.00} {$280.00} {$120.00} I am requesting full validation of these debts, including the original creditor, the account number, payment history, the date the debt was incurred, and documentation proving that I agreed to these obligations. Until proper validation is provided, I dispute these debts and request that collection efforts stop.

I received an email from a company called January with regard to collecting a debt. The account in question wasn't opened by me, rather it was opened by someone who found my personal documents. I notified XXXX Bank ( the original creditor ) of this matter, but they are dragging their feet during the investigation. Now that the debt has been transferred, I'm trying to notify January of this very important matter. Enclosed is a copy of the original Identity Theft report that contains all of the accounts in question. You'll see XXXX Bank listed as one of them. I appreciate you for reaching out to me. Hopefully, we can now get this matter solved.

I am writing to formally dispute the debt currently being collected by January Technologies , Inc. regarding an alleged XXXX XXXX XXXX account ending in XXXX & XXXX for the amount of XXXX & XXXX I am requesting full verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I am disputing this because I have not been provided with : 1. A complete breakdown of the principal balance, interest, and any fees added. 2. Proof that January Technologies , Inc. has the legal authority to collect this specific debt. 3. A copy of the original signed contract or cardmember agreement associated with this account. Until this debt is fully validated with the documentation mentioned above, I request that the company cease all collection activities and ensure this information Remove From My CREDIT REPORT

I reached out to XXXX a company collecting on behalf of XXXX for an old debt to see if theyd agree to remove it from my credit report in exchange for payment. I was told they would send a request to have it removed once it is paid. However, its been weeks and Ive checked my credit report and see that they reported the debt as paid closed instead of deleting it as they originally agreed.

On XX/XX/scrub>, 2025, I placed an order withXX/XX/XXXXXXXX ( Order XX/XX/XXXXXXXX ) using XX/XX/XXXXInstallments serviced by XX/XX/XXXX. Shortly after the purchase, the merchant contacted me stating that the price listed on their website was incorrect and requested that the order be canceled. I agreed to the cancellation. The merchant confirmed that the order was canceled and later confirmed in writing that the product was never shipped. Despite the cancellation and the fact that no goods or services were delivered, my {$79.00} down payment was never refunded. The loan associated with this canceled order was later marked overdue and sent to collections by XXXX. I contacted both the merchant andXX/XX/XXXX to resolve the issue. The merchant acknowledged that the order was never shipped but stated they could not issue a refund due to a chargeback issue with their payment processor. XXXX declined to dispute the loan because it was outside their XXXXday dispute window.…

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I am filing a complaint regarding a debt collector called XXXX that is attempting to collect approximately {$8000.00} on a charged-off credit card account originally issued by XXXX XXXX Bank XXXX XXXX XXXX ). This account was charged off by the original creditor. XXXX claims to have purchased or been assigned this debt, but they have not provided adequate documentation proving they legally own the debt or have the right to collect it. I dispute this debt and have requested proper debt validation. To date, XXXX has not provided sufficient documentation such as a full account history, a signed agreement, or proof of assignment from XXXX XXXX Bank showing they are authorized to collect this debt. Despite the lack of validation, they continue attempts to collect and/or report the account. This behavior may violate the Fair Debt Collection Practices Act.…

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To Whom It May Concern, I am responding to your communication regarding the above referenced account. This letter serves as a formal request for validation of the alleged debt pursuant. XXXX. The name and address of the original creditor. XXXX. The full amount of the alleged debt. XXXX. Copies of any agreement or contract. XXXX. Proof that you are legally authorized to collect this debt. XXXX. Documentation showing you own or have been assigned this debt. Be advised that until you provide the requested validation, you must cease collection. Failure to comply with this request may constitute a violation of XXXX law. I request all future communications to be made in writing. Sincerely, XXXX XXXX

This company sent me an email about a debt that does not belong to me or anyone i know. They have this person 's name and debt details, very sensitive information and just shared it with me in the email. Very not okay and illegal. Debt collectors get away with so much, but this is inexcusable. I have the amount, his name, the end of the account and a login pin.

I am filing a formal complaint against January Technologies XXXX XXXX, a debt collector acting on behalf of XXXX XXXX, XXXX. They have contacted me about a debt I do not owe. I have never had a contract with them, and they have not provided validation of the debt, nor proof of a signed agreement or chain of assignment. They can not produce a contract bearing my wet ink signature between myself and January Technologies XXXX XXXX because no such contract exists. I have already requested validation directly, and they have not responded with sufficient proof. They claim that they have an account ending in XXXX for the amount of {$2500.00} Again, I do not have a co tract with January Technologies, XXXX nor do I have a contract with XXXX Services, XXXX. In fact, I have never heard of either of these companies until I received the email from XXXX XXXX XXXX XXXX about this alleged debt, to which I promptly responded.…

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I recently fell behind on payments due to a combination of misleading information I received. At the time I made financial decisions based on the information provided to me, I believed I had a clear understanding of the terms. Unfortunately, this information turned out to be inaccurate, which affected my ability to manage the account properly. Shortly afterward, I lost my job, which caused a sudden drop in income and made it impossible to stay current on payments.

I contacted XXXX ( XXXX ) to resolve an outstanding debt and was transferred to January, a third-party collection agency. During that call, January explicitly stated that once the balance was paid, the account would be deleted from my credit report ( a pay-for-delete agreement ). Based on this representation, I paid the debt in full. After payment, XXXX informed me that XXXX did not have authorization to report to the credit bureaus because they did not own the account. XXXX then refused to delete the tradeline from my credit report, despite the fact that the debt was collected under the representation that it would be removed. This situation is deeply concerning. The account was placed for collection and collected under false or misleading pretenses, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ). I relied on the collectors statement that payment would result in deletion, and I would not have paid under those terms otherwise.…

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I am filing this complaint regarding a fraudulent account being collected and/or reported. The account was opened while I was under the age of XXXX. I did not open, authorize, or benefit from this account. At the time the account was created, I was legally incapable of entering into a binding contract, rendering the account void due to infancy. I previously disputed this account directly with the company. The company responded stating that documents were mailed, but no documents established authorization, contractual liability, or lawful consent. Providing account statements or internal records does not establish that I opened or agreed to this account. No signed agreement or proof of authorization has been produced.…

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January XXXX XXXX, 2025 Login PIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX January Technologies , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX from XXXX to XXXX ET, Monday to Friday www.january.com Hi XXXX XXXX XXXX , January is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX Bank. We will use any information you give us to help collect the debt. Our information shows : You had a XXXX XXXX credit card for XXXX XXXX Bank with account number ending in XXXX. As of XX/XX/year>, you owed : {$390.00} Between XX/XX/year> and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$390.00} How can you dispute the debt? Call or write to us by XX/XX/year> to dispute all or part of the debt. If you do not, we will assume that our information is correct.…

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The accounts are XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX. I have disputed these accounts as they are paid in full but somehow went to my collections even though I was never late so they shouldn't have. This has hurt my credit score significantly and I need these removed by law. I have sent XXXX letters as well as disputes. It's been over XXXX days and I haven't gotten any information back. Per fair credit act, they HAVE to send verification documents to me or else they have to comply with my dispute. Please help me get this resolved as they keep denying disputes but not complying with the XXXX letters.

On XX/XX/XXXX, I entered a signed and negotiated contract with XXXX for a debt that I had with XXXX XXXXXXXX XXXX Since then, XXXX has been auto drafting my checking account weekly. On XX/XX/XXXX, after they pulled the payment from my checking account, they seized collection on the debt. I found out today XX/XX/XXXX when I received an email from XXXX to set up a payment arrangement for the account I set up with them back in XX/XX/XXXX. I called to find out what happened and was informed that XXXX XXXX Bank recalled the debt and sold it back to them so the contract that was initially set up was void and I would have to pay the full amount. I feel like Ive been scammed. I had already negotiated and signed a contract with XXXX, how was XXXX XXXX Bank able to recall the debt and sell it back to the same debt collector within a few weeks time.