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I had cosigned a vehicle loan for a friend on XX/XX/XXXX . Said friend then moved to XXXX and stopped paying for the vehicle and put the vehicle into a repossession. I called the friend and picked up the vehicle from him and returned it to XXXX XXXX XXXX XXXX , located at XXXX XXXX XXXX in XXXX XXXX XXXX . I then asked for a receipt that the vehicle was returned and to ensure the vehicle would stop reporting as " 120 days past due '' on my credit reports. The woman named XXXX at the main branch said she would email me the details and my credit would be updated to reflect the turnover of the vehicle. This email was never received I later found a " Repo Expense '' w as charged to the account while I received no payment for retuning the vehicle to them. In Spring of XX/XX/XXXX , I applied for a car loan and was denied due to an " open auto '' appearing on my credit report. I then send a certified letter on XX/XX/XXXX to bo th XXXX XXXX XXXX XXXX and XXXX XXXX at Sprunger Law Office requesting adequate documentation in accordance with FDCPA and FCRA and also that the debt had been disputed. Note : This letter was signed for on XX/XX/XXXX by XXXX XXXX an d XX/XX/XXXX by Sprunger Law Office . I received a return letter on XX/XX/XXXX f rom XXXX XXXX at XXXX XXXX that listed an itinerary of the debt and requested return contact within 10 days of receipt. I responded to the retuned letter on XX/XX/XXXX , where it was signed for on XX/XX/XXXX , notifying XXXX that he had failed to provide proof of the debt bearing my signature and that per FTC opinion letter from Attorney XXXX XXXX XXXX , he should be aware that a printout of a bill or itemized document does not constitute verification, and yet again requested supporting documentation. On XX/XX/XXXX XXXX sent a letter with documentation he deemed fit as support, but not all requested documents were attached within the send letter. I then waited over 31 days from the initial sent letter and pulled my credit report to see that XXXX XXXX XXXX XXXX had not remarked a dispute in accordance with the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day per iod. I reminded him that XXXX XXXX XXXX XXXX may be liable for their willful non-compliance, as per FC RA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. As they have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or inaction ) on their behalf may result in a small claims action against their company. Note : Sprunger Law Office failed to reply to my request via certified letter within 30 days of receipt. The final letters were signed for on XX/XX/XXXX by XXXX XXXX , and on XX/XX/XXXX by Sprunger Law Office.
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On XXXX XXXX of XXXX , I was ordered to appear in XXXX XXXX XXXX XXXX in XXXX XXXX , Indiana to defend myself for a credit card debt through XXXX XXXX XXXX XXXX . I appeared that day, signed in with the desk to notify them I have arrived, and was called upon in the hallway by XXXX XXXX XXXX , of Sprunger Law offi ces located in XXXX Indiana. The attorney did not identify himself as the defense attorney for XXXX XXXX XXXX XXXX and asked a series of question for personal information. I assumed he was the courts clerk to verify my identity. Once he obtained his information and I had signed the documents he said " Ok, thank you. You are free to go. ". Puzzled I asked why I was not attending this hearing, where he then explained that he was the defense attorney for XXXX XXXX XXXX XXXX and he had all he needed, then walked away. I then left, confused. I later understood what had happened once I received a garnishment order for 25 % of my paycheck for a total amount of {$9600.00} plus costs. On XXXX XXXX , XXXX , I sent a certified letter to XXXX XXXX XXXX XXXX requesting all of the documents bearing my signature to prove the debt was mine and to file a dispute. Note : I checked my credit reports the same day to verify the account had not appeared as disputed in the comment section. This certified letter was signed for on XXXX XXXX , XXXX . My letter was then forwarded t o Sprunger Law Office, whe re XXXX XXXX retuned an envelope with documents bearing my signature, but without all of the documents I requested in accordance to the FDCPA and FCRA. I then waited over 31 days and sent another certified letter on XXXX XXXX , XXXX stating that neither XXXX XXXX XXXX XXXX nor Sprunger Law Office ha ve contacted XXXX , XXXX , or XXXX to note that the account had been disputed in the comment section. Note : This letter was signed for on XXXX XXXX , XXXX at Sprunger Law Office. I reminded them that neither Sprunger Law office, n or XXXX XXXX XXXX XXXX were in compliance with the FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. A s they have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or inact ion ) on their behalf may result in a sm all claims action against their company, and would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identify fraud, violation of the FDCPA, and violation of the FCRA. I have yet to receive any documentation of their stance for this debt removal and my wages are still being garnished.
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