V and H Portfolio

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

I am disputing a collection account placed by Vance & Huffman LLC for an original debt from XXXX XXXX XXXX XXXX currently showing a balance of {$660.00}. Approximately 1-2 months ago, I called Vance & Huffman directly and paid this balance in full over the phone. I was told I would receive an email confirmation of the payment, but I never received one. Despite paying the account in full, it continues to be reported on my credit report as an open collection account with a balance owed. I am requesting that this be corrected to reflect that the account has been paid in full and disputing its continued reporting as outstanding.

I am submitting this complaint against Vance & Huffman LLC concerning an alleged XXXX loan and collection account that does not belong to me. I never applied for, authorized, signed for, received funds from, or opened any loan with XXXX, XXXX XXXX XXXX, or any related company. I also never lived at the address that Vance & Huffman previously claimed was associated with this alleged debt. On XX/XX/year>, I sent Vance & Huffman a detailed written dispute. I disputed the ownership, validity, balance, original creditor, origination date, payment history, address association, and the companys authority to collect and report the account.…

I have disputed this debt on XX/XX/year> regarding {$760.00} debt amount owed, and the debt has not been removed from my credit reports. The debt collector has verified this debt as accurate with XXXX but this is not correct information. Upon trying to resolve this debt collection, Im not sure where this debt comes from or if this debt is mine at all. Ive gotten unwanted text messages from this company and unwanted emails. This has caused undue financial hardship and distress for me, which has negatively impacted my credit, and I want to have this debt removed from my XXXX XXXX XXXX XXXX reports immediately.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : VANCEHUFFMAN - XXXX : {$1900.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

Vance & Huffman LLC is reporting a fraudulent $ XXXX collection balance on my credit report opening XX/XX/XXXX, claiming it is from XXXX XXXX. I have logged into my official XXXX XXXX portal, which explicitly shows Application ID XXXX was PAID OFF IN FULL on XX/XX/XXXX. This agency is reporting inaccurate information, failing to properly investigate, and violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Deletion is required immediately.

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.

Vance and Huffman LLC is calling my employer more than XXXX times a day which under the Fair Debt Collection Practices Act ( FDCPA ) is not supposed to discuss my debt with any third parties.

I disputed the accuracy of XXXX XXXX. XXXX because I believe Vance & Huffman XXXX XXXX is furnishing information to the nationwide consumer reporting agencies that has not been adequately verified. In response to my complaint, the company stated that it emailed a collection notice on XX/XX/year>, and attached documents to its CFPB response. However, the response does not explain how the company verified the information it is currently reporting to XXXX XXXX XXXX XXXXn or describe the investigation it conducted after receiving my dispute. My concern is not simply whether documents exist, but whether the information being furnished is complete, accurate, and supported by competent business records. The company did not provide evidence showing how it verified the reported balance, payment history, account status, Date of First Delinquency, Date Last Paid, Date Last Active, or other material information appearing on my credit reports.…

I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received.…

I recieved an email from this collection agency on XX/XX/year> stating this delinquent account was added and reported to my credit report with all XXXX major credit reporting bureaus. I previously recieved an email from this collection agency, maybe XXXX weeks ago stating they were going to report this account as a collection account to the credit reporting bureaus, I responded to their email stating that the acount is uncollectable, that I am on social security and my income is federally protected from garnishment to not report thus account. I did send them an email response before they decided to report this account, they never resoonded to my email. I can not find the email I sent in my email folder. I may have deleted the email I sent by accident.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

I was a victim of Identity theft in 2018 there were multiple accounts opened up in my name fraudulently. VANCE AND HUFFMAN is reporting a collection account that is fraudulent and I want to submit a formal complaint against them. have identified the accounts and now am able and have the spirit to fight this challenge and work on getting my life back. I work full time and raise a family and this has caused a great deal of stress on my family. Filed the FTC Fraud report and contacted the companies reporting the information as well as contacted the police. Please help me fight this and get my issues resolved. Thank you

I am submitting a complaint regarding Vance & Huffman , LLC, a debt collection company that is reporting a significant debt on my credit report. After discovering the account on my credit report, I contacted the company to request information regarding the alleged debt and a debt validation letter. However, I was informed that I would be required to pay a processing fee before they would provide any information about the debt. The company has also refused to provide a debt validation letter unless this fee is paid. I believe this practice is improper and may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). As a consumer, I am requesting verification and validation of a debt that is being reported under my name, yet the company is conditioning access to this information on payment of a fee.

b"On XXXX, I sent a formal validation demand under FDCPA 809(b). USPS Certified Mail, Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX. Delivered XXXX. (See Attached)\n\nMy demand required within thirty (30) days:\n- Original signed Snap Finance loan agreement, including all Truth-in-Lending Act disclosures (Regulation Z, 12 C.F.R. Part 1026) provided at origination;\n- Snap Finance's state lending license for Texas (or evidence no license was required);\n- Complete chain of title from Snap Finance to Vance & Huffman LLC;\n- Full accounting explaining the XXXX difference between the original balance XXXX) and your current reported amount ($6,076), including all payments received, credits applied, and any adjustments;\n- Itemization of every fee and charge in the original balance; and\n- Evidence Texas statute of limitations has not expired.\n\nYour XXXX-day deadline expired. No response. On XXXX, I provided a second opportunity to cure (USPS Tracking No.…

I took a loan out from XXXX XXXX years ago, but on my credit report, it says only XXXX months ago, which is completely wrong. Also, the amount they say our old is {$2600.00} but I only brought {$1000.00} so thats wrong too

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

I am submitting this formal dispute regarding the above-referenced collection account reported by Vance & Huffman LLC XXXX I am requesting deletion of this account because the information being reported is inconsistent, unreliable, incomplete, and has not been properly substantiated despite my prior requests for documentation. I previously requested that Vance & Huffman LLC provide competent documentary evidence supporting the reporting of this account, including proof of the debt, payment history, collection authority, chain of assignment, date of first delinquency, and documentation supporting the reported balance. To date, I have not received sufficient documentation to verify the information being furnished.

Reference to debt colloctor response to complaint XXXX, the Debt collector has failed to submit the proof for ownership of account. The document submitted does not bear my signature and the payment history does not include payment made my ACH or Debit card with account details.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

The following accounts have been reported to the credit bureaus to be removed from my credit report. I am a victim of Identity theft. Please note that I am reporting the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VANCE & HUFFMAN LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

VANCE HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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.

Vance & Huffman LLC To Whom It May Concern : I recently discovered that your company is reporting a collection account on my consumer credit report in connection with an alleged debt owed to XXXX XXXX. I am requesting validation of this debt and the information being reported. I am not admitting liability for this debt and request that you provide documentation sufficient to substantiate your claim and the accuracy of the information furnished to consumer reporting agencies. Please provide the following : 1. The name and address of the original creditor. 2. The date the account was opened. 3. The date of the alleged default. 4. An itemized accounting of the amount claimed to be owed, including any fees, interest, credits, payments, or adjustments. 5. Documentation showing the basis for the balance currently being reported. 6. Documentation demonstrating your authority to collect this debt on behalf of or through assignment from the original creditor. 7.…

This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) XXXX Vance and Huffman , LLC. My attached letter specifies the full list of records that must be provided to establish legal standing XXXX balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Vance and Huffman , LLC owns the debt, The purchase or assignment agreement, XXXX All prior notices, including the validation notice required under XXXX XXXX XXXX ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, XXXX subject XXXX regulatory review. Transparency XXXX legal verification are core consumer rights, XXXX I expect Vance and Huffman , LLC XXXX respond in full. In addition, XXXX protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy XXXX completeness of the account.…

Three letters were sent On XX/XX/year>, XX/XX/year> and on XX/XX/year> requesting to validate the ownership of account and submit original contract agreement, history of payments and transfer of ownership from original creditor. Debt collector failed to submit proof. Therefore treat this as identity theft and delete unauthorized payment from my credit report.

Im writing to file a complaint against XXXX XXXX XXXX for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

They call nonstop at the worst hours, speak in a cold or mocking tone, and act like fear is their main tool. Instead of helping someone find a realistic solution, they pressure, threaten, interrupt, and make people feel trapped or ashamed. They might twist the truth, exaggerate consequences, or treat every conversation like intimidation instead of communication.

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX, Vance and Huffman LLC, XXXX XXXX I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Consumer report immediately!

Dates : XX/XX/year> Balance {$1400.00} Actions Taken : It looks like someone in my family used my information to take out this loan pretending to be me. I have tried contacting the company, but because it is under my name there is nothing they can do. I have no way of contacting the person who used my information, since they left the country.