V and H Portfolio

I am filing a follow-up complaint against Vance & Huffman LLC regarding its continued credit reporting and collection activity on an alleged XXXX account. This is not a duplicate of my prior complaint. This complaint concerns new facts that occurred after Vance & Huffman responded to my previous CFPB complaint. In its XX/XX/year> response to my CFPB complaint, Vance & Huffman stated that it was temporarily deleting the tradeline as a precautionary measure while requesting additional payment history from the original creditor. Despite that representation, as of XX/XX/year>, the tradeline remains reporting on my XXXX and XXXX credit reports under Vance & Huffman. I dispute this continued reporting. Vance & Huffman represented to the CFPB that deletion was being performed while it sought additional documentation. The account remaining on my credit reports is inconsistent with the companys stated corrective action and continues to cause harm to my credit profile.…

VANCE & HUFFMAN LLC Subject : Formal Debt Validation Request and Notice of Dispute To Whom It May Concern, I am writing regarding the collection account your company is reporting on my credit profile in connection with : Original Creditor : XXXX XXXX XXXX Reported Balance : {$180.00} XXXX formally dispute this alleged debt and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). At this time, your company has failed and/or refused to provide sufficient documentation supporting the validity and accuracy of this alleged account while continuing to report negative information to the credit bureaus.…

I am filing a complaint regarding inaccurate credit reporting, failure to properly validate a disputed debt, and failure to establish lawful authority to collect and furnish information regarding an alleged account. Company : Vance & Huffman, LLC Account XXXX. : XXXX The company is reporting a collection account associated with Balance Credit on my consumer credit report. The account is currently being reported with an opened date of XX/XX/XXXX. However, in written correspondence, the company acknowledged that the original account allegedly originated in XXXX. This discrepancy constitutes materially inaccurate and misleading reporting under the Fair Credit Reporting Act. Additionally, the company claims an initial notification was sent only to an old email address that I have not used in years and which was previously compromised during incidents involving unauthorized access to my personal information.…

I believe this loan may have been opened fraudulently using my personal information. I never applied for or authorized this payday loan. {$3400.00} Vance and Huffman

This CFPB complaint is also a formal request for debt validation to VANCE & HUFFMAN LLC under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to VANCE & HUFFMAN LLC, along with any documentation confirming the nature of the transfer.…

I originally obtained an online loan from XXXX XXXX for approximately {$700.00}. The original total repayment amount associated with the loan was approximately {$2700.00}. The account was later placed with the collection company Vance & Huffman LLC. Between XXXX and XXXX, I paid approximately {$1800.00} directly to Vance & Huffman toward this account. In XX/XX/XXXX, Vance & Huffman claimed that I still owed approximately {$2300.00}. I disputed the balance and requested : A full itemized accounting of the debt A breakdown of fees, interest, and charges Validation of the balance being claimed Documentation showing the legal authority to collect the debt In response, the company stated in writing that there was no accounting history because I did not make payments directly to the original creditor after receiving the loan funds. However, all payments I made were made directly to Vance & Huffman while they were actively collecting on the account.…

I am filing a complaint against several debt collection agencies for what appears to be ongoing and deeply concerning violations of federal consumer protection laws. After formally disputing these alleged debts and requesting proper validation, I was left frustrated and discouraged when the companies failed to provide any meaningful proof that I am legally responsible for these accounts. They did not produce basic, essential documents such as original agreements, records of ownership, complete account histories, or any clear evidence of their authority to collect. Despite my repeated efforts to resolve this matter, collection attempts and credit reporting activity appear to have continued without proper verification. This has caused significant stress and uncertainty, as I am being held accountable for debts that have not been substantiated. It is both alarming and unfair to face ongoing financial and reputational harm without clear and lawful justification.…

Open date XX/XX/year>. Amount XXXX I have requested for the company to send me a written copy of the agreement that I have applied for any line of credit or any debt with my name social signature.

I am filing a complaint against Vance & Huffman LLC regarding an alleged debt they are reporting and attempting to collect. I requested validation of this debt. The company initially failed to provide documentation and directed me to an online portal where no supporting documents were available. After follow-up, they provided a lease agreement and a payment history. However, the information provided does not properly validate the debt or the balance being reported. The payment history shows multiple reversed payments, repeated fee assessments, and inconsistent adjustments. Payments appear to be applied, reversed, and followed by additional fees, making the current reported balance of {$1200.00} unclear and unreliable. The company has not provided a clear, itemized calculation showing how this balance was determined, nor have they adequately explained the repeated fees and reversals. Additionally, this account is not reporting consistently across all credit bureaus.…

This company says I owe a company called XXXX XXXX {$810.00} from XX/XX/year>. I did no business with this company last year. If do they need to provide the contract or paperwork along with payment history to show proof of this debt. None of this has been supplied.

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company Name : Vance and Huffman LLC Issue : Incorrect debt / Improper debt collection practices Complaint : I am filing a complaint regarding a collection account being reported by Vance and Huffman LLC that I believe has not been properly validated. The company claims that validation documents were sent to me in XX/XX/year> ; however, I never received any such documentation. I recently contacted the company to request that validation be resent, including an itemized breakdown of charges, a copy of the lease agreement, and proof of the balance being reported. The company refused to provide this information again and stated they are not obligated to resend documentation. As a consumer, I have the right to request validation of a debt that is being actively reported on my credit file, especially when I have no record of receiving prior documentation. The company is continuing to report this account without providing sufficient proof of its accuracy or completeness.…

I am formally disputing inaccurate and unauthorized information appearing on my consumer credit file. Specifically, my report contains multiple hard inquiries that I did not authorize and for which no permissible purpose has been provided as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I am requesting that each credit bureau provide documented proof of authorization, including any application bearing my signature. If such documentation can not be produced, these inquiries must be deleted immediately. Additionally, my credit report reflects collection accounts that are inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of all disputed information. Case law, including Cushman v. Trans Union Corp. ( 1997 ) and Dennis v. BEH-1, LLC ( 2008 ), establishes that credit reporting agencies must go beyond superficial or automated verification methods.…

I disputed this account and requested full validation, including the original agreement, complete payment history, chain of title, and the method of verification used to support reporting to XXXX. The company has failed to provide any competent evidence substantiating the accuracy or legal enforceability of this account, yet continues to report it. This constitutes a failure to conduct a reasonable investigation and the reporting of unverified information in violation of FCRA 611 and 623, as well as applicable XXXX XXXX reporting standards. Absent verifiable documentation, continued reporting is inaccurate and unlawful. I demand immediate deletion of this account from my XXXX credit file. If the company contends the account is valid, it must provide full documentation demonstrating compliance with federal law.

A collection account from Vance and Huffman appeared on my credit report that I believe was inaccurate. The amount of XXXX the date XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XX/XX/year> RE : Unauthorized Disclosure of Personal Financial Information XXXX XXXX. XXXX Violation To Whom It May Concern : I am writing to formally dispute your reporting of an alleged account on my consumer credit report. Under the XXXX XXXX, specifically XXXX XXXX. XXXX, financial institutions have a legal obligation to protect the security and confidentiality of consumers nonpublic personal information. You are currently reporting and sharing my personal financial information with third parties ( credit reporting agencies ) without providing evidence of : My authorization to share this information A valid and enforceable contractual relationship Compliance with privacy notice and opt-out requirements This constitutes a potential violation of XXXX XXXX. XXXX and related privacy provisions. Additionally, under XXXX XXXX.…

I am formally disputing a collection account that has appeared on my credit report which I do not recognize and have no knowledge of. I have never incurred or authorized this debt, and it remains unverified. In addition, I have been subjected to repeated and aggressive collection attempts through various channels, including threats of legal action. This situation is both distressing and unacceptable, as it reflects inaccurate information on my credit report and violates my rights as a consumer.

I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

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 am filing a complaint against Vance & Huffman LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I mailed a written debt validation request to Vance & Huffman LLC on XX/XX/year>. According to USPS tracking, the letter was delivered on XX/XX/year> at XXXX XXXX As of today, I have not received any response, validation, or documentation verifying the alleged debt. Despite receiving my timely dispute and validation request, Vance & Huffman LLC has reported this alleged debt to the credit reporting agencies. This reporting occurred without providing validation and while the debt remains disputed. This is a violation of my rights under the FDCPA, which requires a debt collector to cease collection activity until validation is provided, as well as the FCRA, which prohibits the reporting of inaccurate or unverified information.…

I ask that all negative reporting to all credit bureau stop and this debt be removed from my credit immediately.

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 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.

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

CFPB COLLECTION REMOVAL DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX subject : Formal Complaint - Collection Account Reporting Without Full Validation | FCRA 11, FDCPA 809 ( To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by [ Debt Collector Name ], who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ).…

they loan they claim i owe for XXXX im not sure know where that loan came from i paid the loan i owe and it said that loan was open in 2021 but i know that not true and looking at all three of my credit bureau accounts shows that the information is not right .i want this deleted off my credit

I requested validation of a debt being reported and collected by Vance and Huffman related to a XXXX XXXX loan. While a promissory note was provided, the company failed to provide a full itemized breakdown of the balance being reported. The original loan amount was {$1.00}, yet the current balance is reported as {$1500.00}. No detailed accounting has been provided showing how this balance was calculated, including payment made, fees applied, and interest charges. Additionally, the account is being reported inaccurately, as the original creditor listed does not match the entities referenced in the contract, creating inconsistency in reporting. Because of the lack of proper itemization and inconsistent reporting, the balance is inaccurate and uverifiable.

Please see attached leged debt. Failing that, the items must be deleted from the report as soon as possible.

police report was filed account is not mine i have never seen this account before this account is inaccurate and unverifiable. i have also reached out to all credit bureaus XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/year> XXXX XXXX is the amount.

this creditor has violated my rights under XXXX states I have the right to privacy 1681 section 604 section 2 it states a consumer recording agency can not furnish a account without instructions under US 1666B may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.

In XX/XX/year>, I disputed a collection account reported by Vance & Huffman LLC that originated from XXXX XXXX, with an approximate balance of {$4500.00}. I requested full validation of this debt, including a signed contract, complete payment history from the original creditor, proof of legal authority to collect, and the date of first delinquency. Despite this request, Vance & Huffman LLC failed to provide competent evidence of the debt but continued to report it to the credit bureaus. This account is inaccurate, incomplete, and unverifiable, and it is negatively impacting my credit report. I am requesting that Vance & Huffman LLC either provide full validation of the debt or immediately remove the account from all credit reporting agencies, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).