Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #9828719
Complaint Overview
Complaint ID: 9828719
Company: Aes/Pheaa
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Florida
ZIP Code: 33415
Date Received: 2024-08-16T12:00:00-05:00
Date Sent to Company: 2024-08-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
PHEAA C/o XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX : XXXX Subject : Specific Performance & Bill in Equity Dispute of Debt Validation and Request for Equity Consideration Dear PHEAA, XXXX XXXX, XXXX XXXX XXXX I XXXX writing to formally dispute the validity and equity of the debt referenced in your recent communication to me. I request that you consider the following lawful precedents and expert testimony in this matter : 1. XX/XX/XXXX : This case emphasizes the necessity of clear and fair treatment in financial obligations and contractual relationships. I believe the terms of and subsequent dealings have not been conducted in a manner consistent with equitable principles. 2. Affidavit of XXXX XXXX : XXXX XXXX affidavit highlights critical concerns regarding the creation and handling of debt instruments. The affidavit underscores the importance of transparency and fairness in credit practices, which I believe has been lacking in this case. Given these points, I respectfully demand the following : 1. Validation of the Debt : Please provide comprehensive validation of the debt, including a detailed Full Record of accounting of how the debt was calculated and all relevant documentation supporting your claim and origination. ( Guidance given below ). 2. Equitable Treatment : Review settle and close to ensure fair and just remedy, considering the principles outlined in XXXX v. XXXX and the expert analysis provided by XXXX XXXX. XXXX. Cease Collection Activities : Until the debt is fully validated and adjusted to reflect equitable treatment, I demand that all collection activities cease, and that no negative information related to this debt be reported to any credit reporting agencies. If you so choose to continue to violate my rights without giving me the proper documentation I will proceed in my next step as you have been given ample opportunity to provide remedy to the injury PHEAA has caused thus far. I do not know who PHEAA is nor has PHEAA been given any consent and PHEAA has Not sent anything to validate Authority and this constitutes failure of specific performance concerning a lawful matter. 1. Copies of any bi-lateral or tri-lateral contracts which create obligations on each party to perform, evidenced as such by signatures binding the parties in agreement, INCLUDING any delegated Instrument of Novation, signed and sealed in a tripartite contract. 2. An Equitable Deed of Assignment ( not a notice of assignment two very different legal documents ) should be made available to validate your claims. This should be executed as a Deed, granted by the grantor or original creditor and indorsed by instrumentary witnesses in solemn form. 3. ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ). ( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request. ( 3 ) " Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request. ( 4 ) " Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request. Your Duty : ( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction. BILL FOR INJURIES Be hereby notified, that any injuries to me shall incur a cost and bill for injury by any party in conspiracy with such false claims, at a rate of {$100000.00} US Dollars per day, per person, if this matter continues and beginning XXXX after receipt of this notice, if this matter is not settled in full.
Frequently Asked Questions
What is Complaint #9828719 about?
Complaint #9828719 was filed against Aes/Pheaa regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2024-08-16T12:00:00-05:00.
How did Aes/Pheaa 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Aes/Pheaa?
Yes, visit the Aes/Pheaa company profile at readthecomplaint.com/company/aes-pheaa 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.