HSBC Debt Collection Complaint

HSBC Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt is not mine Minnesota

- - - - -, a collection agency failed to validate an account. They continue to report the invalidated account to the - credit reporting agencies. In -/-/- I requested my free annual credit reports. On my credit reports I noticed an entry by - - - - -. In -/-/- I mailed - - - - a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. They received it around the end of -/-/-. In -/-/- I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. I allowed two months to pass by giving them sufficient time to send me some actual validation. In -/-/- I mailed them a follow up letter to the response they mailed me in -/-/-. In the letter I informed - - - - - that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's - - - -. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. Furthermore, I included a copy of the FTC 's - Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in -.