Debt collection -- Written notification about debt -- Complaint #17961030
Complaint Overview
Complaint ID: 17961030
Company: V And H Portfolio
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Texas
ZIP Code: 77833
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Vance & Huffman , LLC because this company is reporting a collection account that is not validated, not legally verified, and was never properly noticed to me as required by federal law. I NEVER received any written notice before this was placed on my credit report which is a direct violation of FDCPA 809 ( a ). They also continue to report and attempt to collect without providing a single piece of legally required validation. I have requested validation multiple times. It has been well over 30 days, and Vance & Huffman has failed to provide ANY of the following required documents : Required Verification They Failed to Provide ( Validation Law Under FDCPA 809 ( b ) ) A copy of the original signed contract or lease A full itemization/ledger showing how they calculated the alleged balance Proof of assignment or legal ownership from the original creditor The name, address, and license number of the collector Complete account history from day one Evidence the amount is accurate and legally owed Sending a statement, invoice, or basic printout which is what they typically do is not verification under federal law. I did my research on your company and I know you've been sued multiples times for : FDCPA violations ( harassment, false statements, unlawful collection attempts ) Misleading us the consumers about the amounts owed Failing to provide validation Threatening legal action you can not take Improper credit reporting practices They have a long history of non-compliance, and my experience is consistent with those same patterns. Violations in My Case : 809 ( a ) No written notice within 5 days of initial communication 809 ( b ) Continued collection without validation 807 Misleading representations 808 Unfair collection practices FCRA Violations 607 ( b ) Failure to report accurate, verifiable information 611 ( a ) Failure to reasonably investigate disputes Metro 2 Violations Reporting an account with no documented ownership, no contract, and no validation Furnishing information with no certified accuracy, which violates Metro 2 formatting guidelines
Frequently Asked Questions
What is Complaint #17961030 about?
Complaint #17961030 was filed against V And H Portfolio regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
How did V And H Portfolio respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against V And H Portfolio?
Yes, visit the V And H Portfolio company profile at readthecomplaint.com/company/v-and-h-portfolio to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.