Harris & Harris, Ltd.

Fraudulent account set up in my name identity theft report previously submitted

This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681sn2 ). You are hereby instructed to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above until proper validation is provided. Your agency has not verified a legal right to collect, report, or pursue action on this account without complete validation of ownership and legal assignment. I demand the following documentation within 15 calendar days : 1. Original signed contract or application bearing my signature. 2. Complete chain of title/assignment of the debt. 3. Bill of sale or purchase agreement showing ownership of the debt. 4. Itemized statement of all amounts claimed ( principal, interest, fees, and charges ). 5.…

XXXX XXXX XXXX XXXX XXXX [ XXXX nj XXXX ] XXXX XXXX XX/XX/year> harris & harris ltd ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX RE : CEASE & DESIST / DEBT VALIDATION DEMAND VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : [ XXXX ] To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect.…

Background & Timeline : I am disputing a debt collection attempt by Harris & Harris for alleged XXXX XXXX charges totaling XXXX $ for the billing period XX/XX/XXXX through XX/XX/XXXX. Harris & Harris has reported this alleged debt to my credit file, damaging my credit score. Validity of Debt - Pre-Arranged Service Disconnection : In XX/XX/XXXX, I contacted XXXX XXXX directly and arranged for the disconnection of my internet service effective XX/XX/XXXX. This disconnection was a planned action due to my military XXXX ( XXXX XXXX XXXX XXXX ) order to XXXX. I did not abandon the account ; I proactively coordinated the service termination with XXXX. The Problem : Despite my pre-arranged XX/XX/XXXX disconnection, XXXX has billed me for service during XXXX through XXXX XXXXmonths when I had no service because I was stationed in XXXX and had relocated my residence. These charges should not exist, as the service was terminated as arranged.…

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I have not supplied proof under the XXXX of XXXX XXXX XXXX, XXXX v. XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, you are required to investigate this dispute within 30 days of receiving this letter. If the information can not be verified, it must be promptly deleted from my credit report.

XXXX Notice XXXX XXXX to Sue and Settlement Demand Date : XX/XX/year> To : Harris & Harris RE : Failure to Provide Required Validation Notice Settlement Demand Dear Harris & Harris, This letter serves as my formal Notice of Intent to Sue concerning your attempts to collect an alleged debt on behalf of the Pennsylvania XXXX XXXX. I have received collection text messages from your company regarding two alleged accounts associated with my license plate. Despite your collection efforts, I have never received the written validation notice that debt collectors are generally required to provide under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.…

On XX/XX/XXXX I received this text, Welcome! You will now receive texts from Harris & Harris, a Debt Collector on behalf of XXXX XXXX # OfMsgsVaries Msg & DataRatesMayApply Terms : XXXX XXXX XXXX XXXX To optout reply STOP From # XXXX When I search for Harris & Harris, I see the website XXXX XXXX XXXXXXXX And pay website XXXX XXXX XXXX Which leads me to believe the text message is a scam. If it is truly Harris & Harris, they should not use a different website. If it is a scam, they should have some warnings on their site about current scams to be aware of.

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL XXXX ] [ XX/XX/year> ] [ Harris & Harris , Ltd. ] [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL XXXX ] Re : Request for Investigation and Deletion of Collection Account and any negative reporting To Whom It May Concern : I am formally disputing the accuracy and validity of the collection account listed Harris & Harris , Ltd- File XXXX Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, I request that you conduct a reasonable investigation into this account and provide verification that this debt is accurate, complete, and legally reportable. I dispute this account for the following reasons : The alleged debt has not been properly validated. I have not been provided sufficient evidence bearing my signature proving contractual obligation. The information being reported may be inaccurate or incomplete.…

HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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.

HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 have received multiple letters, emails, and texts from this debt collector and I have told them I have not ever opened a XXXX XXXX account with them. I have contacted XXXX and they dont seem to know anything about this claim. I have asked Harris & Harris debt collection to stop contacting me and now they are contacting and harassing relatives and friends for a debt that I know nothing about. I have been with XXXX for over XXXX years. Not sure if someone has attempted to open an account using my name but I have never had phone service with XXXX. This is not okay. They sent a text message at XXXXXXXX XXXX today 's date Thursday XX/XX/year> that are trying to collect a debt 40 % off and if I do not respond or comply offer is off the table.

HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 writing to dispute accounts and charges that were opened in my name without my knowledge or authorization. In XXXX, my wallet was stolen. The wallet contained my driver 's license/identification card and my Social Security card . After the theft, I began noticing credit card accounts and other accounts appearing on my credit report that I never applied for, opened, or authorized. I believe I am a victim of identity theft, and these accounts were fraudulently opened using my stolen personal information. I respectfully request that you investigate these accounts, remove any fraudulent charges or obligations associated with them, and provide me with written confirmation of your findings. I have never authorized these accounts and am not responsible for any debts, charges, or activity associated with them

HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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.

HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX XXXX XXXX XXXX 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.

Harris & Harris debt collector continues to send texts to my estranged spouse regarding my debt with XXXX and offering payment options.

HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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.

HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD 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.

Heres a strong, copyandpasteready cease and desist letter directed at Harris & Harris, tailored for creditreporting and collection harassment situations. This is a general legal template, not legal advice but its structured to get their attention and force compliance. -- - Cease & Desist Letter Harris & Harris Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, TX Date : __________________ Harris & Harris , Ltd . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Re : Cease & Desist Demand All Communication Must Stop Immediately To Whom It May Concern, I am formally notifying you that, effective immediately, you must cease and desist all communication with me regarding any alleged debt your company claims I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), once a consumer provides written notice to stop communication, a debt collector must immediately halt all contact except to confirm one of the following : 1.…

Harris & Harris Ltd XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Re : Debt Validation Request Account # XXXX Amount Listed : {$160.00} To Whom It May Concern, This letter is a formal dispute and request for validation of the alleged debt referenced above, pursuant to FDCPA 809 ( b ). I do not acknowledge this debt and require full validation. Until proper validation is provided, you must cease all collection activity and stop reporting or verifying this account with any credit bureau, as required under FDCPA 805 ( c ) and FCRA 623. Please provide : 1. A complete accounting of the alleged balance of {$160.00} 2. A copy of the original contract or agreement with XXXX XXXX 3. Proof of your legal authority to collect this debt 4. Itemized charges and fees 5. Proof of assignment or ownership 6. Full payment history 7. Original creditor details 8.…

I was a XXXX XXXX customer and I was being billed for a service for a residence I did not live at. I did find out about it but refused to pay. They were very pushy about me trying to explain what happened. As of this year I got contacted about a data breach at XXXX as well. Just looking to get this straightened out. I have proof of my old residence, I can provide whatever information necessary for that. And I have the address still of the other resident that opened an account on my name

To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. After reviewing my report, I have identified multiple accounts and entries that I do not recognize, are reported inaccurately, or can not be properly verified. Under the Fair Credit Reporting Act ( 15 U.S.C. {$1600.00} ), you are required to ensure maximum possible accuracy and to conduct a reasonable investigation of any disputed information. At this time, the items in question do not meet those standards. I am requesting that you conduct a full investigation and delete any accounts, payment histories, balances, or remarks that can not be fully verified and documented as accurate. XXXX XXXX Account number - XXXX

DEMAND FOR DEBT VALIDATION, PROOF OF OWNERSHIP, CHAIN OF TITLE, AND CREDIT REPORTING COMPLIANCE This correspondence constitutes a formal demand for validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), applicable New York State laws and regulations, and any other applicable federal or state consumer protection laws. I dispute the validity of the alleged debt in its entirety and request complete validation and documentation before any further collection activity or credit reporting occurs. Please provide the following : ORIGINAL DEBT PROCUREMENT 1. A true copy of the original signed credit agreement, promissory note, contract, application, or other instrument creating the alleged obligation. 2. Documentation identifying : o The original creditor. o The original account number. o The date the account was opened. o The date of default.…

HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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.

this account was placed on my credit report and i have no knowledge of this account

I am submitting a complaint regarding a debt collector, Harris & Harris, collecting on behalf of XXXX XXXX. I acknowledge that the debt belongs to me. However, the collection agency has been contacting multiple family members in my household regarding me. The messages sent to my relatives include my name, which has caused embarrassment and concern. The agency already has my current contact information, including my phone number, mailing address, and email address, and has been contacting me directly as well. Despite this, my family members have continued to receive messages about me. I am requesting that the collection agency cease contacting my family members and communicate directly with me regarding this account.

* * Consumer Financial Protection Bureau XXXX * * * * Company : * * Harris & Harris , Ltd . * * Balance Reported : * * {$390.00} * * Date Opened : * * XX/XX/year> * * Account Status : * * Open Collection Account * * Original Creditor : * * XXXX XXXX * * Complaint * * I am filing this complaint against Harris & Harris XXXX XXXX regarding a collection account being reported on my consumer credit reports. Harris & Harris XXXX XXXX is reporting a collection account with a balance of {$390.00} allegedly associated with XXXX XXXX. I dispute the validity, accuracy, completeness, and ownership of this alleged debt and request a thorough investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation when a consumer disputes information being reported.…

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and request validation of the account, including documentation supporting the amount claimed and proof of your authority to collect. Additionally, pursuant to 15 U.S.C. 1681s-2, I dispute the accuracy and completeness of any information furnished regarding this account. I request a reasonable investigation and correction or deletion of any information that can not be verified. This letter is not an acknowledgment of liability and should not be construed as a promise to pay.

Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Unvalidated Debt Reported by Harris & Harris To Whom It May Concern : I am filing this complaint regarding an alleged debt reported by Harris & Harris that has not been validated despite my formal request sent some time ago. I sent a written XXXX XXXX XXXX XXXX Harris & Harris requesting verification and validation of the alleged debt being reported under my name. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which requires a debt collector to provide verification of a debt upon request, or not report same until th. My request specifically asked for documentation verifying : The existence and legitimacy of the alleged debt ; The amount claimed to be owed ; Documentation showing I am legally obligated to pay the debt ; Proof of Harris & Harriss authority to collect and report the debt.…