Chase Bank USA continues to try and collect an unverified debt that, per their own records, they are no longer attempting to collect. In XXXX, Chase Bank won a judgement against me in the amount of {$38000.00}. This is after I sent debt validation letters and received no response until I happen to check Virginia 's circuit court case information on my own. This violated the Fair Debt Collection Practices Act as they never verified or validated this debt during the 30 day window, improbably served me court papers, and the only response after my debt validation letters were court papers -- no facts, just underhanded schemes and fiction. 
Years go by, it 's been a struggle, financial life ruined, credit destroyed, and I still have this unverified default judgement on my report. As a result of the judgement appearing on my credit report I 'm sure I lost out on numerous job opportunities once potential employers saw such a massive amount of debt. Then in XXXX, Chase sends me XXXX for the bogus debt. They explain that they are no longer attempting to collect the debt but the total amount on the XXXX sent, {$39000.00}, does not match default judgement which further proves that they never verified this debt and just pulled numbers out of thin air. On XXXX of the XXXX, I have never idea which account they are even referring to -- it 's probably not my account. It does n't even appear on my credit report or in the bogus default judgement. In the letter it states, they are only reporting principle balances and not interest and fees, but this is still inaccurate based on the numbers from the default judgement. They also stated that they will still report to the XXXX credit reporting bureaus any account information. This furthers harms my credit because of the difference between the judgement and what Chase Bank discharged, the principle and interest that continues to be reported, and the default judgement amount and credit balances appear separately so it looks like I owe Chase Bank a lot of money.