V and H Portfolio

Currently, I demand copies of my original documentation that proves responsibility of a posted collection against me personally. If the account is now owner by a third-party debt buyer, then I demand certification copies administered through the XXXX XXXX XXXX XXXX that the debt buyer is properly license as a registered debt buyer, and proof of proper surety bonding. If the account is valid, then I need a drop-dead date as to when the negative charge-off will be removed from my credit report altogether. If the debt buyer purchase can not be proved legally with a Bill of Sale attachment, then the account collection must be deleted from my credit report, and my information must be purged by the debt collection agency.

Have been repeatedly asked to verify my identity after Ive repeatedly told them I am not the person they are looking for. I havent given any information and have given them plenty of chances to stop communication under threat of being reported. Me saying I am not the person they are looking for should be enough to stop all communication between them and myself.

Someone stole my identity and got a loan for {$2000.00} that was due in 1 month. I did not apply for this loan. I did not recieve any money from this company and it now on my credit report. I want this removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

The company is tarnishing my name by using my information without my consent and claiming that a certain debt belongs to me ; howeverI, XXXX XXXX XXXX XXXX no knowledge of this collection agency and have no contract whatsoever with them. Therefore, I demand that they remove this entry and clear my name from my credit report.

XXXX with XXXX XXXX XXXX XXXX XXXX XX/XX/year> and disclosed information on my work line which is a recorded line. She proceeded to tell me about a debt owed to XXXX XXXX which was included in my XXXX. After giving me the amount owed, I realized she was a debt collector that did not disclose that at the beginning of the call or I would have told her to call another number that was not recorded. She then proceeded to read the mini Miranda well after all the information had been given about the debt. Under FDCPA guidelines she was in violation under 15 U.S.C 1692e. I called back to speak with her supervisor and his response was, " Is that all? ".

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

VANCE & HUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE & HUFFMAN is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Hello, I am writing to dispute the validity of the alleged debt referenced above. I do not recognize this account and believe it does not belong to me. Under the Fair Debt Collection Practices Act, I am requesting full validation of this debt, including, the name and address of the original creditor, the amount owed, documentation proving I am legally responsible. Until such validation is provided, you must cease all collection activity and reporting to credit bureaus. If you can not provide validation, please remove this account from my credit report immediately.

Validation of Debt Request - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I sent written disputes to Vance & Huffman LLC requesting validation of an alleged debt. Both letters were sent by certified mail and were received, which is confirmed by the signed green cards. The response I received did not properly validate the debt. The documents provided do not clearly identify the original creditor and do not explain the relationship between the entities referenced in the documents and the creditor name being reported on my credit report. Despite my dispute, the account continues to be reported and verified with the credit bureaus.

Subject : Reporting of Unverified Debt and Failure to Provide Validation To Whom It May Concern, I am filing this complaint regarding several collection accounts that are currently being reported on my credit report without proper validation. The accounts are as follows : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Vance & Huffman LLC Collection Account I previously disputed these accounts and requested validation of the alleged debts. Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 611 ), a debt collector must provide proper documentation proving that the debt is valid and that they have the legal right to collect and report it.…

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VANCEHUFFMAN- is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN- is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

I discovered a collection account reported by Vance & Huffman LLC in XX/XX/XXXX for {$1500.00}. The account appears to relate to a XXXX XXXX XXXX loan from approximately XXXX. I never received any written notice from Vance & Huffman informing me they had taken over this debt or that this amount was owed. Additionally, the account is reporting Vance & Huffman as the original creditor and shows an opened date of XX/XX/XXXX, which appears inaccurate because the loan originated with XXXX XXXX XXXX in XXXX.

This collection account from Vance & Huffman ( Original Creditor : Balance Credit Account XXXX {$1800.00} ) appeared on my credit report without me ever receiving the required written notice of the debt. I never received any validation notice, collection letter, or communication before this account was reported to the credit bureaus. After discovering the account, I requested proper debt validation multiple times, at least three to four separate requests, and I still have not received any documentation validating this debt. At this point it has been well over 90 days since my initial request. Because of the lack of response and the continued reporting of this collection account, I have filed complaints with the Federal Trade Commission and my State Attorney General regarding this matter. I have also consulted with an attorney regarding the companys failure to provide validation after repeated requests.…

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I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I started receiving calls constantly the month of XXXX, from a company called XXXX and XXXX. I have been recovering from XXXX and finally was well enough to answer the call. I spoke to someone name XXXX who was very rude and wouldn't let me explain anything. She asked for my date of birth and address. She began to say I had a debt that needed to be paid Immediately! I asked for the name of the debtor, she said Balance Credit. I told her I had no idea who the company was, and it couldn't be my debt. She said debt was open in XX/XX/year>. I told her I filed XXXX XXXX bankruptcy XX/XX/year> it definitely wasn't my debt. She became angry and kept trying to overtalk me. She said don't worry it's your debt and hung up the phone. The debt is now on my credit report for {$1700.00}.

To Whom It May Concern, I am writing to formally dispute an account that is currently being reported on my credit report. The account in question shows a balance that has already been paid in full and the account is closed. Because the account has been satisfied and no balance is owed, I am requesting that this account be removed from my credit report immediately. The continued reporting of this account is inaccurate and negatively affecting my credit profile. Please investigate this matter and update my credit report accordingly. If you are unable to verify the accuracy of this account, it must be deleted under the Fair Credit Reporting Act ( FCRA ). I have attached any supporting documentation showing that the account has been paid in full. Please send me written confirmation once the investigation has been completed. Thank you for your prompt attention to this matter.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Failure to Remove Deleted Collection Company : XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-Issue : Account status is incorrect / Account should be deleted Description of Problem : I am filing this complaint against XXXX for its failure to update my credit file following a furnisher 's agreement to delete derogatory information. The Facts : Furnisher Deletion Agreement : On XX/XX/year>, the collection agency Vance & Huffman LLC responded to my CFPB complaint ( ID # XXXX ) stating they would delete their collection account from all credit bureaus. Specific Account Detail : The account in question is VANCEHUFFMAN, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported balance of {$1000.00}. Bureau Discrepancy : Both XXXX and XXXX have already complied with the deletion request and removed this tradeline.…

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Validation of Debt Request - XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - VANCEHUFFMAN - XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Dear XXXX XXXX XXXX XXXX This letter is being sent to you in response to your recent communication regarding the alleged debt referenced above. I am formally requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Be advised that this is not a refusal to pay, but a request that you provide proper verification as required by federal law. Specifically, I request the following documentation : 1. Proof that you are legally authorized to collect this debt, including any documentation showing assignment or ownership of the account. 2. A full itemized statement of the alleged debt, including principal, interest, fees, and payments made ( if any ). 3. A copy of the original signed agreement or contract that created the obligation. 4. The name and address of the original creditor, and any evidence showing how the amount claimed was calculated. 5.…

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I contacted this company on XX/XX/year> in writing to request validation of the alleged debt and to attempt good-faith resolution. The company has not responded to my written requests and continues reporting my account on my credit reports. I am requesting that the company either provide proper validation of the debt or remove the account from my credit reports.

I am writing in response to your communication dated [ insert date ] regarding the alleged debt referenced above. This letter is not an acknowledgment of any debt, nor a promise to pay. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt. Please provide the following information : 1. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. 2. The name and address of the original creditor. 3. Copies of any documents bearing my signature that show I agreed to assume this debt. 4. Proof that you are legally authorized to collect this debt, including your license or registration where required. 5. Documentation showing that this debt is within the applicable statute of limitations. Until you provide the requested validation, please cease all collection activity, including reporting this account to any credit reporting agencies.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.