A
Anonymous
Public complaint
Electronic communications: Debt collection
The breached my personal information they texted a friend of mine with my personal information and debt
Reviews
4
Average
1/5
Response rate
0%
Resolution rate
0%
Reviews
4
Average
Response rate
0%
Resolution rate
0%
Anonymous
The breached my personal information they texted a friend of mine with my personal information and debt
Anonymous
Harris & Harris is reporting two separate collection accounts on my credit reports that I dispute. I requested that the accounts be validated and that documentation be provided showing I am legally responsible for the alleged debts. I have not received sufficient documentation verifying the accounts. I request that Harris & Harris conduct a reasonable investigation, provide all supporting documentation for both accounts, and correct or remove any information that can not be verified.
Anonymous
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. Your debt collector license number and states in which you are licensed. 6. Surety bond information if required by law. If you can not produce the requested documentation, I demand that collection efforts cease and that any inaccurate credit reporting be corrected or removed as required by applicable law. I reserve all rights under the FDCPA and FCRA and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and pursue any other remedies available under the law if necessary. Failure to comply within 15 calendar days may result in further legal action.
Read full reviewAnonymous
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.
Read full review