I defaulted on an auto loan with XXXX XXXX XX/XX/XXXX, XXXX claimed it was sold to them, then Main Street Acquisition claimed they purchased the debt. In XXXX XXXX, Main Street was compelled to delete its account from my credit report because they could not produce a valid assignment and/or proof they had the right to collect the debt. Immediately after Main Street deleted its account, XXXX XXXX XXXX began reporting the same debt claiming title to the same. 

By certified mail dated XXXX XXXX I demanded verification of ownership and the right to collect the debt. On XXXX XXXX, XXXX XXXX XXXX produced a copy of the original paperwork from XXXX, but no copies of any assignments or any other document substantiating, proving or evidencing their right to collect or report the debt to the collection agency. In addition, they are purposely omitting the last payment date information to the credit agency to make the debt appear recent when in fact the statute of limitation ran out on XX/XX/XXXX I consider the omission to be a fraudulent misrepresentation of the legal status of the debt in violation of the Fair Debt Collection Practices Act 15 USC 1692e ( 2 ) AFinally, XXXX XXXX XXXX 's attempt to brush off the verification of title ownership by merely providing copies of the original contract is clearly unresponsive to my request for verification of their alleged rights to collect or report the debt. If they are not able to produce evidence ( not a self serving statement ), actual documented evidence of an assignment, transfer or sale establishing a chain of title back to the original creditor, I demand deletion of their reporting to the credit reporting agencies.