Velocity Portfolio Group

Date : XX/XX/year> Subject : Formal Dispute and Request for Proof of Authorization Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This letter serves as a formal dispute regarding an account currently being reported on a consumer credit file. The information being reported appears to be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure the maximum possible accuracy of any information reported on a consumer report pursuant to 15 U.S.C. 1681e ( b ). Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be corrected or deleted from the consumer file. Furthermore, pursuant to 15 U.S.C. 1681, consumer reporting agencies must ensure that any information furnished, obtained, or reported is done with proper authorization and permissible purpose as defined by federal law.…

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Velocity Investments , LLC has engaged in willful, unfair, and deceptive practices by materially breaching a binding arbitration agreement and acting in bad faith. I initiated arbitration before the XXXX XXXX XXXX XXXX XXXX ) pursuant to the arbitration clause in the XXXXXXXX XXXX XXXX agreement. The XXXX formally notified Velocity Investments , LLC of its obligation to pay the required filing fees. However, Velocity deliberately refused to pay, resulting in the administrative closure of the arbitration. This refusal constitutes a material breach of contract, bad faith conduct, and a clear waiver of their right to enforce arbitration. Despite this, Velocity continues to pursue collection activity, improperly attempting to enforce a debt while simultaneously refusing to comply with the contractual dispute resolution process. This conduct has caused ongoing harm, including loss of my contractual rights, financial XXXX, and damage to my credit profile.

I was a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling I lost my wallet, phone, laptop and all my identity documents which led to unauthorized individuals gaining access to my personal information and opened these accounts Velocity Investment llc XXXX

I called Velocity investments ( XXXX ) to find out if I can figure a way to resolve.I have been affected by a tornado hitting my home/ XXXX issues ( XXXX XXXX ) when I called, the only the rep only wanted to talk about disputing my many accounts that I mentioned to him that XXXX trying to resolve. Not a particular name of an account. He informed me to dispute the one I called him about and he could run a XXXX score credit bureau to see what can be disputed for {$1.00}. I was curious and asked him WHY he was doing this. He said he heard in my voice that I was in a bad situation and understood. I agreed. He made me feel good about it. After giving my debit card # he ran report and said that I believe there were XXXX accounts that had issues. I asked how that could be? He said something about data entry etc. He said he could dispute them all. I said that sounds good. He then informed me it would be either {$370.00} or {$370.00} to do this. I was confused.…

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1099C request Subject : Request for 1099-C Form and Validation of Debt Written Communication Only I am writing to formally request a 1099-C form ( Cancellation of Debt ) related to the account associated with [ Account Number ] that is currently being reported on my credit report. If this debt has been forgiven, canceled, or settled for less than the full balance, the IRS 1099-C form is required to be filed under 26 U.S.C. 6050P if the amount of canceled debt exceeds {$600.00}. In addition to the 1099-C form, I am disputing the accuracy of the debt and requesting verification in compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) .…

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I am filing this complaint to establish a formal record regarding Velocity Investments , LLC, XXXX XXXX XXXX, XXXX, NJ XXXX. On XX/XX/XXXX, XXXX XXXX XXXX notified me via letter that my account ( # XXXX ) was sold and assigned to Velocity Investments , LLC. As of today, XX/XX/XXXX, I have received no communication whatsoever from Velocity Investments , LLC no initial notice of debt, no validation notice, no correspondence of any kind. Under the FDCPA 1692g, a debt collector is required to send a written notice to the consumer within 5 days of the initial communication, containing : The amount of the debt The name of the creditor A statement of the consumer 's right to dispute the debt within 30 days Velocity Investments , LLC has failed to provide this required notice. Despite this failure, this account may be appearing on my credit reports, which would constitute a violation of the FCRA.…

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Velocity Investments , LLC along with XXXX, XXXX XXXX XXXX XXXX whom are located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter to me mentioning a judgment was entered against me and that a garnishment may happen. I did not receive any notices prior before this letter. The only communication between myself and debt company is through email explaining to them that I did not give consent to my information being sold or brought and that there is no written agreement between myself and the debt company.

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding an alleged loan account originally associated with XXXX XXXX XXXX that is now being collected by Velocity Investments LLC. Velocity Investments LLC has been contacting me by phone and email regarding this alleged debt. However, I have not received proper written validation of the debt as required by law. At this time, I dispute the validity of this debt and request that the company provide proper documentation. I am requesting the following information : Proof that Velocity Investments LLC has the legal right to collect this debt. A copy of the original loan agreement or contract with XXXX XXXX XXXX. A complete payment and transaction history for the account. Documentation showing the legal transfer or sale of the debt to Velocity Investments LLC. The calculation explaining the current balance they claim is owed.…

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A line of credit account originally opened with XXXX XXXX ( account number XXXX, opened XX/XX/XXXX, charged off XX/XX/XXXX, balance {$650.00} ) was sold to Velocity Investments LLC as confirmed by the historical information on my XXXX credit report. As the new owner of this debt, Velocity Investments LLC is now the furnisher of record and bears full legal responsibility for the accuracy of any information reported to the credit bureaus regarding this account. Under FCRA 623 ( a ) ( 1 ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.…

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Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay for this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws.…

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I received a complaint via regular mail from the NH XXXX XXXX - Small Claims - XXXX XXXX - XXXX XXXX on XX/XX/2026. The plaintiff listed as filing the complaint is Velocity Investments , LLC. They claim/allege in the complaint that I owe a total of {$7800.00} from a debt that was purchased from XXXX XXXX XXXX XXXX XXXX. This is the first and only correspondence I've received regarding this matter ; to my knowledge, there has not been any attempt by Velocity Investments to verify the debt, nor any prior contact. Which is a clear violation of the FDCPA.

I purchased a used XXXX XXXX XXXX XXXX on XX/XX/XXXX, financed through XXXX XXXX, which became the original lienholder. On XX/XX/XXXX, I obtained a {$20000.00} personal loan from XXXX XXXX XXXX, XXXX secured by the vehicle. XXXX paid off the remaining balance to XXXX XXXX and became the new lienholder. I made XXXX on-time payments totaling {$13000.00} between XX/XX/XXXX and XX/XX/XXXX. After losing my job in XX/XX/XXXX while caring for a hospitalized family member and filing for unemployment benefits, I began experiencing severe financial hardship. On XX/XX/XXXX, I contacted XXXX in good faith to request hardship assistance and offered a {$3000.00} lump-sum settlement in exchange for a lien release, account closure, and credit deletion. XXXX responded that the loan had been sold to Velocity Investments and directed me to contact them, despite remaining listed as the lienholder on the Florida DMV title.…

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Velocity Investments , LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ________________________________________ To whom it may concern : I am responding to the letter you sent dated about a debt you are trying to collect. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692 ( g ). This claim is being disputed and a debt validation is requested. I also have reason to believe that you are in violation of 15 USC 1692e. False or misleading representations as defined ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. The account liksted below : Account # XXXX I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.…

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I am submitting this complaint regarding an invalid debt being collected against me for merchandise I never received. On XX/XX/XXXX, I went to the merchant XXXX XXXX XXXX ) to pick up an item using a XXXX XXXX agreement that was secured in my name using my own credit. Upon arrival, I was informed that additional funding would be required. I applied for the additional funding and was declined. As a result, I left the store without receiving any merchandise. The transaction was not completed, and the item remained in the merchants possession. I later contacted the merchant for clarification and was informed that the item was marked as picked up. However, I never received the item. I am the sole party to the XXXX XXXX agreement, and I did not authorize release of the merchandise to any third party. Despite this, the merchant applied my lease funds after my departure and released the item to another individual who was not listed on my contract.…

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I had a consolidation loan of credit card debt with upstart for roughly XXXX. I own my own business and the business over the last several months has faltered. I am making XXXX a month because I am an XXXX XXXX. I would never have taken that loan out if I knew my business was going to falter after 31 years. I have no other income I am XXXX my husband is retired we live on social security. When I explained I could not pay the loan I was turned over to Velocity investments, an aggressive collection agency. Now I know they bought that XXXX loan for Pennies on the dollar and my settlement offer was XXXX at XXXX a month. Of course I agreed to it but over the course of not getting paid and only making the XXXX a month because of XXXX XXXX laws I am not able to afford that much money a month. The manager XXXX is horrible every time I ask to renegotiate to get that amount down she tells me if I break the contract XXXX owe the original XXXX.…

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To Whom It May Concern, I am writing regarding the account referenced above, which has been paid in full. I appreciate your confirmation that the balance is now satisfied. I respectfully request, as a matter of goodwill, that you consider removing any negative credit reporting associated with this account from the consumer credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX. At the time this account became delinquent, I was experiencing financial difficulties that have since been resolved. Since then, I have taken responsible steps to improve my financial situation and remain committed to maintaining a positive credit history moving forward. Because the obligation has been fully satisfied, I kindly ask that you exercise your discretion to update the account to reflect a goodwill deletion of any late payments, charge-offs, or collection status associated with this account. Thank you for your time and consideration.…

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I am the victim of identity theft involving an alleged XXXX XXXX lease-to-own account ( Account No. XXXX ). I timely disputed this account directly with XXXX XXXX and provided formal identity-theft documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and a Police Report, clearly establishing that this account was opened fraudulently and does not belong to me. Despite receiving this documentation, XXXX XXXX failed to comply with the law. They ignored my identity-theft reports and repeatedly failed to provide the documentation I lawfully requested to substantiate the alleged debt.…

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I was given a complaint from an attorney, and it was associated with XXXX XXXX They sued me in the XXXX of Pennsylvania. They put a judgment against my name and threatened to come after my property and garnish my wages. They never provided proof of the debt I asked through email multiple times I spoke to XXXX XXXX at XXXX XXXX. The attorney would never speak to me personally I have a docket number and a case file number. XXXX Is their file number. This item is listed on the docket in the XXXX of XXXX XXXX Web docket portal.

I am submitting this complaint regarding a collection account being reported by the above-named company that appears on my consumer credit reports. I dispute the accuracy and completeness of this account. Despite prior disputes, the collection agency continues to furnish this information without providing evidence of a reasonable reinvestigation, as required under the Fair Credit Reporting Act, 15 U.S.C. 1681i. The furnisher has failed to provide competent verification demonstrating that the information reported is accurate, complete, and legally reportable. Specifically, I have not been provided with documentation establishing : The existence of a valid underlying obligation The collection agencys legal authority to collect and report this debt The accuracy of the reported balance, dates, and account status Compliance with FCRA reporting requirements Automated or conclusory confirmations do not constitute a reasonable reinvestigation under 1681i.…

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Velocity Investments received funds originating from a XXXX account that was opened using my personal identifying information without authorization. Those funds were then used in an attempt to manipulate my credit profile by making payments through an unauthorized settlement arrangement involving XXXX XXXX XXXX, which withdrew funds from the XXXX account that has since been confirmed as fraudulent. Any alleged communications, negotiations, or authorizations attributed to XXXX XXXX XXXX were unauthorized. I did not authorize XXXX XXXX XXXX to act on my behalf or to negotiate, settle, or make payments related to these accounts. Any payments Velocity reported as made to XXXX XXXX XXXX or related entities are false and unauthorized. Those payments did not originate from any legitimate account under my control. " See XXXXXXXX XXXX Fraud Conclusion Attachment ''

Company : Velocity Investments , LLC Product : Debt collection Issue : Attempted collection of debt not owed / Improper collection practices/ False statements COMPLAINT NARRATIVE I am submitting this complaint against Velocity Investments , LLC ( Velocity ) for unlawful debt collection practices, misrepresentations to regulators, and bad-faith arbitration conduct. 1. Lack of Standing and Defective Ownership Claims Velocity claims it purchased my alleged account in good faith and for value. However, Velocity has failed to produce a complete and lawful chain of title establishing that it validly acquired enforceable rights to the account. Despite this, Velocity pursued collection litigation and arbitration without demonstrating standing. Velocity voluntarily dismissed its collection lawsuit against me in XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) on XX/XX/year>, shortly after I filed a Motion for Sanctions alleging misrepresentations and bad-faith conduct.…

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I am disputing this account because it is the result of identity theft. I did not open, authorize, or benefit from any account with XXXX XXXX, XXXX, or any debt now claimed by Velocity Investments , LLC. Disputed account details : Original Creditor : XXXX XXXX, XXXX Current Creditor : Velocity Investments , LLC Reference Number : XXXX Account Number : XXXX Amount : {$1400.00} This account was opened fraudulently without my knowledge or consent. I never entered into a contract for this debt. I request that the company cease collection activity, conduct a proper investigation, and remove this account from my credit report under the Fair Credit Reporting Act. I can provide an FTC Identity Theft Report and supporting documentation upon request.

A debt collector contacted my husband, who is not on this account and is not authorized to receive any information about my debt. During this contact, the collector disclosed the amount of the debt, the date the account was opened, and the date of my last payment. I have never given permission for my husband or any third party to be contacted or given details about my account. This was not a call made only to locate me ; it involved disclosure of private debt information to an unauthorized person. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) regarding third-party communications and disclosure of debt information. I am requesting that this company stop contacting any third parties about my debt and that this violation be investigated.

On XXXXXXXX I got a call from a company called Velocity Investments LLC on behalf of XXXX XXXX, the call was from a private number. The person on the phone was extremely aggressive and threatened to sue me if I didnt pay $ XXXX immediately. When I requested the details they wouldnt tell me anything and asked for my social security number. This same company is now calling my husband and other family members asking for my address and telling them that they are suing me. They are claiming that they have reached out multiple times but I havent received any calls, emails or letters from them before the first time they contacted me.

XX/XX/XXXX : I made a payment to a collection agency acting on behalf of Velocity Investments , LLC after being offered a settlement. I received written confirmation stating the account was settled in full, with a remaining balance of {$0.00}. XX/XX/XXXX : The written settlement confirmation identified Velocity Investments , LLC as the current creditor and did not disclose that multiple accounts were being collected or that the settlement was limited to only one account. After XX/XX/XXXX : No communication was provided advising that any additional account remained unpaid or that the settlement applied to only a portion of the debt allegedly owned by Velocity. XX/XX/XXXX : Wage garnishment activity was initiated by a law firm acting on behalf of Velocity regarding an alleged remaining balance.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Velocity Investments , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX RE : Debt Validation Request Account Number : XXXX Original Creditor : XXXX XXXX XXXX Claimed : {$1800.00} NOTICE OF DEBT VALIDATION DEMAND 15 U.S.C. 1692g Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am in receipt of correspondence alleging that Velocity Investments , LLC is the current owner and collector of the above-referenced account. This letter serves as my formal request for full debt validation. I dispute this debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and applicable Alabama law, you are required to provide competent evidence that Velocity Investments , LLC has the legal authority to collect this alleged debt within the State of Alabama. Please provide the following documentation : 1.…

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I am submitting this complaint regarding XXXX XXXX XXXX, acting on behalf of Velocity Investments , LLC, for unlawful debt collection practices, continued collection activity on a disputed and time-barred debt, and violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Background I previously disputed an alleged credit card account originally associated with XXXX with a different collection agency. That dispute was never properly validated. Despite this, I have now been contacted by a new collection agency, XXXX, XXXX, claiming to collect on behalf of Velocity Investments , LLC for the same alleged debt. Admission That the Debt Is Time-Barred In Unifins written correspondence, they expressly state that : Due to the age of the alleged debt, Velocity Investments , LLC can not sue me for it, and Due to the age of the alleged debt, Velocity Investments , LLC may not report it to any consumer reporting agency.…

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On XX/XX/year> I emailed the company letting them know that according to the FDCPA within five days of first contacting me, the collector must send a written notice detailing the amount owed, the name of the creditor, and a statement that I have 30 days to dispute the debt. I hadnt received any calls or letters or any form of contact at all that explains any of that information. They just responded by telling me to contact their attorney.

im not sure when i was sued and now im recevinig information that XXXX XXXX XXXX, PC at XXXX has a judgement for a purchased debt to freeze accounts tied to me without proper notice or proper address location All Debts contracted and Engagements entered into, before the Adoption of this Constitution, shall be as valid against the United States under the Constitution, as under the XXXXThe Supreme Court case XXXX XXXX XXXX ( XXXX ) interpreted this, stating, " A law repugnant to the Constitution is void '' and established the judiciary 's role in determining this.

Out of Nowhere I am being sued by Velocity investments, Never had any calls, letters or nothing, Lawsuit came unexpected, didnt even have them listed on my credit report, Just out of nowhere, I immediatly sent a debt validation to the attorney certified mail, and have recieved the return card, I asked to validate the debt along with their standing to persue it. I also informed them that my sole income is XXXX. I havent heard anything yet, and now i have to file an answer to the court. ive never heard of people suing people without trying to collect by phone calls, or letters, they just decided to sue. im sure there are some violations here of the FDCPA.