Razor Capital, LLC Complaint: Taking/threatening an illegal action

#1520422 15 Aug 2015

Debt collection Other (i.e. phone, health club, etc.)

Complaint #1520422 submitted on 08/15/2015 relating to Razor Capital, LLC. Complaint relates to Debt collection Other (i.e. phone, health club, etc.) - Taking/threatening an illegal action Threatened to sue on too old debt.

Complaint was submitted via Web and sent to the company on Saturday 15th August 2015.

Narrative (may be redacted).

Refer to CFPB Case number XXXX.

Razor Capital LLC sold a debt that is n't mine to a debt buyer, which is the case number listed above. The statue of limitations in Michigan is XXXX years from the date of the last payment on the account, which was XX/XX/XXXX. These companies both have a charge off date of XX/XX/XXXX, and are using that date as the last payment date. I have never lived at the addresses for the utilities they say I am being charged for, nor have I ever had utilities in my name, much less make a payment. I have asked the debt buyer, XXXX XXXX, to stop contacting me, which they have. Both companies have refused to verify the debt and check their records. They have also failed to provide the documents I have requested, such as the debt verification and fraud packet. It is now XX/XX/XXXX, ( XXXX years after the last activity or " payment '' on the account ) and therefore, it is too late to get a court judgement on this debt. I am also extremely upset that Razor Capital has ignored my pleas to use my right to dispute the debt. As a matter of fact, just XXXX months ago was the first notice I had ever received about this debt collection effort. I have lived at the my current address for XXXX years, and I am just receiving this now? XXXX years after the fact? This is unacceptable, and extremely unethical.

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