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Cease Debt Collection Efforts
Summary
If a collection agency fails to provide proof of debt, send a cease and desist letter. If unresolved, file complaints with the CFPB and Washington State Attorney General. Consider hiring a consumer law attorney for further assistance.Full Conversation
Yeah, what kind of proof would I need to show you that you owe the debt?
To request proof of the debt from a collection agency, you can ask for the following documents:
- A copy of the original signed credit agreement or contract.
- An itemized statement showing how the debt amount was calculated.
- Documentation showing that the collection agency has the legal right to collect the debt.
- Payment history, including any payments made.
Would you like to know more about any of these documents?
- A copy of the original signed credit agreement or contract.
- An itemized statement showing how the debt amount was calculated.
- Documentation showing that the collection agency has the legal right to collect the debt.
- Payment history, including any payments made.
Would you like to know more about any of these documents?
Yeah , I requested on my own before the original signed contract for the debt and they never produced it to me and still the dispute didn't work and there's still remaining on my credit report
It sounds like you have already taken some steps to address this issue. Here's what you can do next:
*. Send a Cease and Desist Letter: Use the template provided earlier to formally request the collection agency to stop contacting you and to remove the debt from your credit report.
*. File a Complaint: If the agency doesn't respond, consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) and the Washington State Attorney General’s Office.
*. Credit Reporting Agencies: Dispute the debt directly with the credit reporting agencies (Equifax, Experian, and TransUnion).
Would you like information on how to file these complaints?
*. Send a Cease and Desist Letter: Use the template provided earlier to formally request the collection agency to stop contacting you and to remove the debt from your credit report.
*. File a Complaint: If the agency doesn't respond, consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) and the Washington State Attorney General’s Office.
*. Credit Reporting Agencies: Dispute the debt directly with the credit reporting agencies (Equifax, Experian, and TransUnion).
Would you like information on how to file these complaints?
That is who I did it with before.I complained and file the dispute with all * bureau's.And they all * denied me and said that it was a legitimate debt.But I asked them to show me proof the same contract.Because I never assigned anything and they never showed me proof
Case Rating: *
Since you have already disputed with the credit bureaus and they denied your claim, you might consider seeking legal advice. Here are some options:
- Hire a Consumer Law Attorney: They can help you challenge the debt legally.
- File a Complaint with the CFPB: If you haven't already, file a complaint with the Consumer Financial Protection Bureau.
Would you like more information on any of these options?
Since you have already disputed with the credit bureaus and they denied your claim, you might consider seeking legal advice. Here are some options:
- Hire a Consumer Law Attorney: They can help you challenge the debt legally.
- File a Complaint with the CFPB: If you haven't already, file a complaint with the Consumer Financial Protection Bureau.
Would you like more information on any of these options?
What does that do if I file a complaint with a cfpb
Case Rating: *
Filing a complaint with the CFPB can lead to the following:
- The CFPB will investigate your complaint and may contact the collection agency for more information.
- They can help mediate and resolve the dispute between you and the collection agency.
- If the collection agency is found to be in violation, the CFPB can take legal action against them.
Would you like more details on how to file the complaint?
Filing a complaint with the CFPB can lead to the following:
- The CFPB will investigate your complaint and may contact the collection agency for more information.
- They can help mediate and resolve the dispute between you and the collection agency.
- If the collection agency is found to be in violation, the CFPB can take legal action against them.
Would you like more details on how to file the complaint?
Yes
Case Rating: *
To file a complaint with the CFPB, follow these steps:
*. Visit the CFPB website.
*. Select "Submit a Complaint."
*. Provide detailed information about your issue, including all documents and correspondence with the collection agency and credit bureaus.
Would you like assistance with anything else?
To file a complaint with the CFPB, follow these steps:
*. Visit the CFPB website.
*. Select "Submit a Complaint."
*. Provide detailed information about your issue, including all documents and correspondence with the collection agency and credit bureaus.
Would you like assistance with anything else?
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