I received a letter on January 23rd, 2019 from Tenaglia & Hunt a debt collector law firm representing Barclay Banks Delaware. The letter stated by Tenaglia & Hunt that I owed their Barclay Banks Delaware client $8,498.87.
On February 9th, 2019 I sent a letter back to Tenaglia & Hunt that I don't recognize this debt and that I am now disputing the debt and to please validate the debt.
On February 22nd, 2019, Tenaglia & Hunt sent me a letter of just an application with my name and address that they received from their client Barclay Banks Delaware. Barclay Banks Delaware blacked out the social security number and birth-date on the application. Additionally, they don't have an original consumer contract with my signature on it. the application looks fraudulent. Additionally, the IP address on the application is from Monticello and i have never been to Monticello in my life.
On March 4th, 2019 I responded again stating that the document they sent does not meet the requirements of the Fair Debt Collection Practices Act. Plus, when I disputed the debt to Tenaglia & Hunt and Barclay Banks Delaware in January, Barclay Banks Delaware still continued to report to the credit bureaus for months of February and March which is a violation of the FDCPA Section 809(b) and FDCPA Section 807(8).
They have not sent proper documentation to prove the debt is mine or an original consumer contract with my signature. I will upload all documents to so you can see that there wasn't enough proper verification of supposed debt that I owe.
Since March they haven't responded back to me or provided proof.
I received a summons from Tenaglia & Hunt on June 11th and I sent my answer today June 17th. I am really nervous about what to do and looking for some advice.