{"took":126,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":91,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19035809","_score":22.525246,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. \n\n\n\nDespite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. \n\n\n\nI am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. \n\n\n\nThank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-27T14:48:04.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"19035809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-01-27T14:33:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the <em>lawsuit</em> <em>until</em> <em>lawful</em> <em>proof</em> and <em>verification</em> are <em>provided</em> I <em>have</em> acted in good faith to assert my consumer rights, yet the collection company has ignored my <em>lawful</em> request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt."]},"sort":[22.525246,"19035809"]},{"_index":"complaint-public-v1","_id":"19036203","_score":22.525108,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. \n\n\n\nOn or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. \n\n\n\nDespite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. \n\n\n\nI am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. \n\n\n\nThank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-27T15:00:40.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"19036203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-01-27T14:50:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the <em>lawsuit</em> <em>until</em> <em>lawful</em> <em>proof</em> and <em>verification</em> are <em>provided</em> I <em>have</em> acted in good faith to assert my consumer rights, yet the collection company has ignored my <em>lawful</em> request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt."]},"sort":[22.525108,"19036203"]},{"_index":"complaint-public-v1","_id":"14358693","_score":18.262526,"_source":{"product":"Debt collection","complaint_what_happened":"FDCPA Complaint Silverman Theologou , LLP Subject : Formal Complaint Against Silverman Theologou , LLP for FDCPA Violations ( Debt Collection Abuse ) Date : XX/XX/2025 Dear CFPB/FTC, I am filing this complaint against the law firm Silverman Theologou , LLP, who claim to be representing XXXX XXXX XXXX XXXX in a debt collection lawsuit currently pending in Magisterial District Court in Pennsylvania. \n\nThe amount they are attempting to collect is approximately {$8600.00}, but I have serious concerns about the legality and fairness of their collection practices, specifically their violation of the Fair Debt Collection Practices Act ( FDCPA ). \n\nViolations I Am Reporting : 1. Failure to Provide Debt Validation Notice ( 15 U.S.C. 1692g ( a ) ) Silverman Theologou , LLP never sent me any written notice after their first contact. Instead, the first time I became aware of their involvement was when I received a civil complaint in the mail. They did not notify me in writing of : - The amount of the debt - The name of the original creditor ( XXXX XXXX ) - My right to dispute the debt within 30 days - My right to request verification of the debt This deprives me of the basic right to challenge or validate the debt before being sued. \n\nXXXX. Misrepresentation of Legal Rights Silverman Theologou misrepresented the legitimacy and enforceability of the debt. As far as I am aware, XXXX XXXX charged off the debt, as I accurately disputed the accuracy of owning this debt and I have not received any proof that they lawfully retained collection rights. This omission constitutes misleading representation of the debt 's enforceability. \n\nXXXX. Filing a Lawsuit Without Lawful Standing They initiated a lawsuit without : - Providing debt validation to me- Presenting any evidence of a signed loan agreement - Demonstrating legal standing ( proof of ownership or assignment of debt ) This creates the appearance of abuse of process and bad-faith litigation to intimidate me into paying a debt I may not owe.\n\nDesired Outcome : I respectfully request the CFPB and/or FTC to : - Investigate Silverman Theologou , LLP for the above FDCPA violations- Enforce accountability for abusive legal tactics and consumer deception - Require withdrawal of the lawsuit until proper validation is provided - Help ensure this alleged debt is not reported or collected without compliance with the law Thank you for your time and assistance in helping protect consumers like myself from predatory debt collection practices.","date_sent_to_company":"2025-06-29T18:09:17.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"173XX","tags":null,"has_narrative":true,"complaint_id":"14358693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Silverman Theologou, LLP","date_received":"2025-06-29T18:00:53.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["As far as I am aware, XXXX XXXX charged off the debt, as I accurately disputed the accuracy of owning this debt and I <em>have</em> not received any <em>proof</em> that they <em>lawfully</em> retained collection rights. This omission constitutes misleading representation of the debt 's enforceability. \n\nXXXX."]},"sort":[18.262526,"14358693"]},{"_index":"complaint-public-v1","_id":"10171065","_score":16.939034,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since all of my attempts have been ignored to have the listed fraud and nonpublic accounts removed, I am reaching out to you CFPB to enforce the CRA to comply and delete the nonpublic and fraud accounts. Until the proof of claim can be validated all alleged accounts need to be deleted immediately. These accounts have caused a significant negative affect on my credit. I have requested to have the nonpublic information removed. I have also requested proof of the alleged debt to prove my fraud claim but have yet to receive any documented proof or was advise to contact the reporting alleged creditor. The CRAs are hedl responsible for the information they report which is why I am coming to them directly. All I received is the debt is valid. Therefore, I am escalating the process to the CFPB and the FTC. \n\nI am requesting the following proof from the credit reporting agency : 1. Provide the original, unaltered certified copy of the ( front and back ) of the application. \n2. Provide all assignments, agreements and authorizations to collect on the alleged debt.\n\n3. An accurate, honorable account receivables and account payables ledger for all Alleged Accounts associated with alleged creditor per Generally Accepted Accounting Principles ( GAAP ) from the date of inception to current.\n\n4. Documentation on who funded the loan and where funds were deposited from.\n\n5. Provide a full description of the consideration the alleged creditor provided to fund the alleged loan.\n\n6. Provide evidence showing the credits came from the banks funds.\n\n7. Provide what considerations and authorization was given to the grantor for the use of their securities/certificates currently being traded.\n\n8. Provide evidence the alleged lender possess the assets represented by these credits prior to the alleged exchange and were they acquired lawfully.\n\n9. Provid a signed and notorized copy of the Penalty of Perjury Affidavit.\n\nUntil the above documentation and proof of claim is provided, all mentioned account will need to be deleted immediately. If the above requested proof of claim can not be provided with sufficient lawful answers to these questions pertaining to the alleged debt, GAAP, bank credits, and proof of consideration made by the grantee? Provide reasoning that is faithful to all mens rights of equality and equal protection under the law without any special privileges.\n\nThe accounts to delete until validated are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that this is a notice sent per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the alleged accounts is required. This notice is not a request for verification of the account, proof of payments or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that you send me valid proof that I am legally obligated to pay the alleged debt, you are obligated to report and collect on this alleged debt, even though your right to share any of my private information has been revoked and is fraud because I never gave you authorization to access any of my nonpublic information. I am ordering you to cease and desist and delete all reporting efforts until you can validate the account as follows : I would like to inform you that you are reporting invalidated account information which is now regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is not deleted from my credit report, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Identity Theft * Fraud * Defamation of character If you can provide me with the requested documents, I will need a minimum of 30 days to investigate this information, and during this period, all reporting activities must be stopped and the account deleted from my credit profile.\n\nI would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to my credit report, then I will seek advice from my attorney for lawsuit. This includes listing any additional information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no validated proof that it is.\n\nIf you fail to respond to this debt validation request within a period of 14 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once.\n\nI would also like to request, in writing, that no calls should be made by your agency or company at my residence, work place or to anyone I know or may have listed as a reference. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me regarding this matter should be done in writing. All requested documents will need to be sent in one complete package to my address listed at the top of this letter within 14 days or this matter will be considered closed for good and can not be reopened. If they say the information is valid, they proof of claim should not take 14 days and should be easily accessable.\n\nThis is an attempt to correct your records, any information obtained shall be used for that purpose.","date_sent_to_company":"2024-09-19T17:58:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":"Servicemember","has_narrative":true,"complaint_id":"10171065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-19T17:48:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Until</em> the above documentation and <em>proof</em> of claim is <em>provided</em>, all mentioned account will need to be deleted immediately. If the above requested <em>proof</em> of claim can not be <em>provided</em> with sufficient <em>lawful</em> answers to these questions pertaining to the alleged debt, GAAP, bank credits, and <em>proof</em> of consideration made by the grantee? Provide reasoning that is faithful to all mens rights of equality and equal protection under the law without any special privileges."]},"sort":[16.939034,"10171065"]},{"_index":"complaint-public-v1","_id":"12843464","_score":16.069603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute a debt currently being reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) and to request an investigation into the reporting practices of both Experian and XXXX, who have reported conflicting and unverified information regarding this account. \nNo Contract with XXXX XXXX XXXX XXXX, I have no contract, agreement, or legal obligation with XXXX XXXX XXXX. XXXX is a third-party debt collector attempting to collect on behalf of XXXX XXXX XXXX XXXX yet they have provided no signed contract, proof of debt ownership, or chain of assignment authorizing them to collect or report this alleged debt on my credit file. They have also stated that their agreement with the original creditor is \" private and confidential '' which means it is not subject to public or legal scrutiny, and therefore not valid as proof of debt under federal law. \nLegal Precedent : Billing Statements Validation The only documentation provided is a billing summary from XXXX XXXX Apartments, which is insufficient under case law. In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held that billing statements alone are not adequate to validate a debt. This standard has been affirmed in additional cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX must not provide misleading or incomplete verifications. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the amount and nature of the debt must be explained clearly. \nXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) validation must include underlying contracts and detailed accounting. \nExperians History of Sham Investigations My concern is further amplified by Experians history of violating the Fair Credit Reporting Act ( FCRA ) through sham dispute investigations. In Federal Trade Commission v. Experian Information Solutions , Inc., the FTC and various lawsuits alleged that Experian failed to conduct meaningful reinvestigations of consumer disputes, often relying solely on the furnishers wordwithout verifying documents or correcting clear inaccuracies. \nThis is particularly relevant because Experian and XXXX have both \" verified '' this disputed account, yet the information they report is conflicting, and neither has provided any documentation demonstrating that a proper reinvestigation took place as required under FCRA 1681i ( a ). This raises the question of whether either agency conducted a reasonable or lawful investigation in response to my dispute. \nXXXX XXXX XXXX XXXX XXXX XXXX for reporting a debt without legal validation and for failing to provide a contract or proof of assignment. \nInvestigate Experian and XXXX for their verification of the account despite reporting conflicting information, and determine whether either conducted a legally sufficient reinvestigation. \nRequire that this account be removed from all credit reporting agencies unless and until XXXX XXXX XXXX provides proper validation including : A contract signed by me Proof of assignment or legal transfer of the debt A full breakdown of the charges with dates and amounts This account continues to cause harm to my credit profile and financial wellbeing without any verified legal basis.","date_sent_to_company":"2025-04-06T18:10:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12843464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-06T17:58:45.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is particularly relevant because Experian and XXXX <em>have</em> both \" <em>verified</em> '' this disputed account, yet the information they report is conflicting, and neither has <em>provided</em> any documentation demonstrating that a proper reinvestigation took place as required under FCRA 1681i ( a ). This raises the question of whether either agency conducted a reasonable or <em>lawful</em> investigation in response to my dispute."]},"sort":[16.069603,"12843464"]},{"_index":"complaint-public-v1","_id":"12842943","_score":16.069603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute a debt currently being reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) and to request an investigation into the reporting practices of both XXXX and TransUnion, who have reported conflicting and unverified information regarding this account. \n\nNo Contract with XXXX XXXX XXXX XXXX, I have no contract, agreement, or legal obligation with XXXX XXXX XXXX. XXXX is a third-party debt collector attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX they have provided no signed contract, proof of debt ownership, or chain of assignment authorizing them to collect or report this alleged debt on my credit file. They have also stated that their agreement with the original creditor is \" private and confidential '' which means it is not subject to public or legal scrutiny, and therefore not valid as proof of debt under federal law. \n\nLegal Precedent : Billing Statements Validation The only documentation provided is a billing summary from XXXX XXXX Apartments, which is insufficient under case law. In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), the court held that billing statements alone are not adequate to validate a debt. This standard has been affirmed in additional cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX must not provide misleading or incomplete verifications. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) the amount and nature of the debt must be explained clearly. \n\nXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) validation must include underlying contracts and detailed accounting. \n\nExperians History of Sham Investigations My concern is further amplified by Experians history of violating the Fair Credit Reporting Act ( FCRA ) through sham dispute investigations. In Federal Trade Commission XXXX XXXX Information Solutions , Inc., the FTC and various lawsuits alleged that XXXX failed to conduct meaningful reinvestigations of consumer disputes, often relying solely on the furnishers wordwithout verifying documents or correcting clear inaccuracies. \n\nThis is particularly relevant because XXXX and TransUnion have both \" verified '' this disputed account, yet the information they report is conflicting, and neither has provided any documentation demonstrating that a proper reinvestigation took place as required under FCRA 1681i ( a ). This raises the question of whether either agency conducted a reasonable or lawful investigation in response to my dispute. \n\nRequested Action I am requesting the CFPB take the following actions : Investigate XXXX XXXX XXXX XXXX XXXX for reporting a debt without legal validation and for failing to provide a contract or proof of assignment. \n\nInvestigate XXXX and TransUnion for their verification of the account despite reporting conflicting information, and determine whether either conducted a legally sufficient reinvestigation. \nRequire that this account be removed from all credit reporting agencies unless and until XXXX XXXX XXXX provides proper validation including : A contract signed by me Proof of assignment or legal transfer of the debt A full breakdown of the charges with dates and amounts This account continues to cause harm to my credit profile and financial wellbeing without any verified legal basis.","date_sent_to_company":"2025-04-06T18:43:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12842943","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-06T18:31:59.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is particularly relevant because XXXX and TransUnion <em>have</em> both \" <em>verified</em> '' this disputed account, yet the information they report is conflicting, and neither has <em>provided</em> any documentation demonstrating that a proper reinvestigation took place as required under FCRA 1681i ( a ). This raises the question of whether either agency conducted a reasonable or <em>lawful</em> investigation in response to my dispute."]},"sort":[16.069603,"12842943"]},{"_index":"complaint-public-v1","_id":"17938871","_score":15.46467,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Date : XX/XX/XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DEBT VALIDATION REQUEST UNDER FDCPA ( 15 USC 1692g ) DO NOT IGNORE THIS IS A LEGALLY BINDING REQUEST To Whom It May Concern : This letter serves as a formal and lawful Debt Validation Request pursuant to 15 U.S.C. 1692g ( b ), the Fair Debt Collection Practices Act ( FDCPA ).\n\nYou are required by federal law to cease ALL collection activity, including furnishing information to any credit reporting agency, until full validation is provided. \n\nThis notice concerns the following alleged collection accounts your company is reporting to XXXX : 1. Portfolio Recovery Associates Account Number : XXXX Balance : {$1500.00} Original Creditor : XXXX XXXX XXXX XXXX. \nDate Opened : XX/XX/XXXX 2. Portfolio Recovery Associates Account Number : XXXX Balance : {$1300.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX \nDate Opened : XX/XX/XXXX These accounts have already been disputed multiple times, and this is NOT the first attempt to obtain verification. \nYour continued reporting without lawful validation is unacceptable and illegal. \n\nUnder 15 USC 1692g ( b ), you must provide complete verification, including : 1. The Original Contract A signed, dated agreement bearing my actual signature.\n\n2. Proof of Ownership / Assignment Documentation establishing that Portfolio Recovery Associates legally owns or has been assigned the alleged debt.\n\n3. Complete Itemized Accounting A full, detailed breakdown showing : All charges All fees All interest All payments Any adjustments How the alleged balances were calculated 4. Name and Address of the Original Creditor INCLUDING documentation directly from Credit One Bank, not your internal system.\n\n5. Chain of Title From the original creditor any assignments you.\n\nIf you purchased the debt, provide proof of purchase.\n\nUnder FCRA 1681s-2 ( a ) ( 1 ) ( A ), a debt collector may not furnish information known to be inaccurate.\n\nUnder 15 USC 1692g ( b ), ALL collection activity must stop, including : Reporting to XXXX Verifying accounts with consumer reporting agencies Attempting to collect the debt Until you provide full legal validation, you are prohibited from verifying these accounts.\n\nIf you fail to provide full validation, or if you continue to report or verify the accounts, you will be in violation of : FDCPA 1692g Failure to Validate Debt FDCPA 1692c Unauthorized Communication FCRA 1681e ( b ) Failure to Maintain Accuracy FCRA 1681i Failure to Properly Reinvestigate FCRA 1681n Willful Noncompliance ( Statutory Damages ) FCRA 1681o Negligent Noncompliance ( Actual Damages ) I have suffered : Multiple credit denials Financial setbacks Emotional distress Loss of opportunities Inability to advance my life These are all documented damages admissible in civil court.\n\nYou are required to : 1. Provide FULL Legal Validation Within 30 Days Not summaries, not screenshots REAL documentation.\n\n2. Cease Reporting Until Validation Is Complete Do NOT update, verify, or furnish any information until you comply with federal law.\n\n3. Delete These Accounts If You Can not Validate Failure to validate requires immediate deletion from all credit bureaus.\n\nIf you fail to comply with ANY federal requirement stated above, I will move forward with : Filing complaints with the CFPB Filing a State Attorney General complaint Filing an FTC complaint Filing a civil lawsuit for damages under FDCPA & FCRA Seeking statutory, punitive, and actual damages I take these violations seriously, and I will pursue every legal remedy available. \n\nSincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX","date_sent_to_company":"2025-11-25T22:20:19.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"53218","tags":null,"has_narrative":true,"complaint_id":"17938871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-11-25T22:07:43.000Z","state":"WI","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Portfolio Recovery Associates Account Number : XXXX Balance : {$1300.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX \nDate Opened : XX/XX/XXXX These accounts <em>have</em> already been disputed multiple times, and this is NOT the first attempt to obtain <em>verification</em>. \nYour continued reporting without <em>lawful</em> validation is unacceptable and illegal. \n\nUnder 15 USC 1692g ( b ), you must provide complete <em>verification</em>, including : 1."]},"sort":[15.46467,"17938871"]},{"_index":"complaint-public-v1","_id":"12720140","_score":15.389519,"_source":{"product":"Credit card","complaint_what_happened":"Self Financial /Lead RE : IMMEDIATE DEMAND FOR FULL DISCLOSURE AND REMOVAL OF INACCURATE REPORTINGACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal demand under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C . 1681g ), Uniform Commercial Code ( UCC ) Article 9-210, Generally Accepted Accounting Principles ( GAAP ), ASC 310 , and ASC 860 . You are hereby required to provide full and complete disclosure of the following : All GAAP-compliant financial records pertaining to my alleged account, including any transactional history, proof of funding, and ledger entries proving an actual financial loss on your part. \nAll documents under UCC 9-210, including an authenticated accounting of the obligation and any security interest claimed. \n\nASC XXXX and XXXX XXXX records, detailing the origination, sale, or securitization of any alleged debt associated with this account. \n\nThe original wet-ink signed contract and/or application, proving my consent and agreement to the terms alleged. Photocopies, electronic signatures, or facsimiles are NOT acceptable. \n\nAny original promissory note, negotiable instrument, or agreement containing my wet-ink signature or thumbprint. \n\nProof of an actual loan extended, demonstrating that you suffered a financial loss or provided lawful consideration under contract law. \n\nIf you can not provide all of the requested documentation, it is deemed that you have no lawful claim against me, and the alleged account must be immediately removed from all consumer reports within XXXX ( XXXX ) days of receipt of this notice. Failure to comply will result in daily damages of {$1000.00} per day, commencing on the XXXX day, until full compliance is achieved. \n\nAdditionally, continued reporting of inaccurate or unverifiable information will be considered willful noncompliance under 15 U.S.C. 1681n, subjecting you to additional statutory, compensatory, and punitive damages, including but not limited to litigation and arbitration claims against your company. \n\nFurthermore, I will be hiring an independent audit company to thoroughly investigate this account. It is evident that you do not own the rights, title, or contract associated with this alleged debt, and your continued reporting is fraudulent and without proper authority. If you fail to remove this account, the audit will expose your deceptive practices, and you will be held legally accountable. \n\nThis is a final demand. I am giving you the opportunity to remove this account without the necessity of a lawsuit. However, if full compliance is not met within XXXX ( XXXX ) days, I will pursue all available legal remedies, including formal complaints withthe Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( XXXX ), as well as civil litigation. \n\nFailure to respond in good faith constitutes agreement to the terms outlined herein. You are required to respond with the requested documents in their original form within the specified time frame. Any further reporting of this account without lawful verification will be treated as an attempt to defraud and defame me. \n\nXXXX XXXX XXXX","date_sent_to_company":"2025-03-29T19:44:24.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"12720140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-03-29T19:35:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Proof</em> of an actual loan extended, demonstrating that you suffered a financial loss or <em>provided</em> <em>lawful</em> consideration under contract law. \n\nIf you can not provide all of the requested documentation, it is deemed that you <em>have</em> no <em>lawful</em> claim against me, and the alleged account must be immediately removed from all consumer reports within XXXX ( XXXX ) days of receipt of this notice."]},"sort":[15.389519,"12720140"]},{"_index":"complaint-public-v1","_id":"12720373","_score":15.388447,"_source":{"product":"Credit card","complaint_what_happened":"First Progress RE : IMMEDIATE DEMAND FOR FULL DISCLOSURE AND REMOVAL OF INACCURATE REPORTING ACCOUNT # : XXXX FIRST NOTICE To Whom It May Concern, This letter serves as a formal demand under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), Uniform Commercial Code ( UCC ) Article XXXX, Generally Accepted Accounting Principles ( GAAP ), ASC 310 , and ASC 860 . You are hereby required to provide full and complete disclosure of the following : All XXXX financial records pertaining to my alleged account, including any transactional history, proof of funding, and ledger entries proving an actual financial loss on your part. \n\nAll documents under UCC 9-210, including an authenticated accounting of the obligation and any security interest claimed. \n\nASC XXXX and XXXX XXXX records, detailing the origination, sale, or securitization of any alleged debt associated with this account. \n\nThe original wet-ink signed contract and/or application, proving my consent and agreement to the terms alleged. Photocopies, electronic signatures, or facsimiles are NOT acceptable. \n\nAny original promissory note, negotiable instrument, or agreement containing my wet-ink signature or thumbprint. \n\nProof of an actual loan extended, demonstrating that you suffered a financial loss or provided lawful consideration under contract law. \n\nIf you can not provide all of the requested documentation, it is deemed that you have no lawful claim against me, and the alleged account must be immediately removed from all consumer reports within XXXX ( XXXX ) days of receipt of this notice. Failure to comply will result in daily damages of {$1000.00} per day, commencing on the XXXX day, until full compliance is achieved. \n\nAdditionally, continued reporting of inaccurate or unverifiable information will be considered willful noncompliance under 15 U.S.C. 1681n, subjecting you to additional statutory, compensatory, and punitive damages, including but not limited to litigation and arbitration claims against your company. \n\nFurthermore, I will be hiring an independent audit company to thoroughly investigate this account. It is evident that you do not own the rights, title, or contract associated with this alleged debt, and your continued reporting is fraudulent and without proper authority. If you fail to remove this account, the audit will expose your deceptive practices, and you will be held legally accountable. \n\nThis is a XXXX demand. I am giving you the opportunity to remove this account without the necessity of a lawsuit. However, if full compliance is not met within XXXX ( XXXX ) days, I will pursue all available legal remedies, including formal complaints with the the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( XXXX ), as well as civil litigation. \n\nFailure to respond in good faith constitutes agreement to the terms outlined herein. You are required to respond with the requested documents in their original form within the specified time frame. Any further reporting of this account without lawful verification will be treated as an attempt to defraud and defame me. \n\nXXXX XXXX XXXX","date_sent_to_company":"2025-03-29T19:22:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"12720373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2025-03-29T18:58:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>Proof</em> of an actual loan extended, demonstrating that you suffered a financial loss or <em>provided</em> <em>lawful</em> consideration under contract law. \n\nIf you can not provide all of the requested documentation, it is deemed that you <em>have</em> no <em>lawful</em> claim against me, and the alleged account must be immediately removed from all consumer reports within XXXX ( XXXX ) days of receipt of this notice."]},"sort":[15.388447,"12720373"]},{"_index":"complaint-public-v1","_id":"13559764","_score":14.970017,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as formal notice and demand for the immediate removal of all derogatory information you have reported or caused to be reported to any consumer reporting agency regarding alleged debts which remain unverified, unvalidated, and unsupported by lawful documentation. \n\nDespite multiple written requests sent to you, including notices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you have failed to provide proper verification of the alleged debts. Instead, you have persistently responded with generic stall letters and photocopies of purported agreements lacking original wet ink signatures or judicial determinations of liability. A photocopy or auto-signed version of a contract is insufficient to constitute a legally binding and enforceable obligation, especially when demanded under the law.\n\nPursuant to 15 U.S.C. 1692g ( a ) - ( b ), you are legally obligated to cease all collection activity, including credit reporting, until you provide full verification of the alleged debt, including : - A certified copy of the original agreement bearing my original wet signature, - A full accounting of the alleged obligation and chain of custody, - Proof of your legal standing to collect or report the alleged debt. \n\nYour continued failure to comply constitutes willful noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and is considered an attempt to collect a debt through deceptive means. This notice serves as a final demand that you : 1. Immediately delete all inaccurate, unverified, or unauthorized information from all consumer reporting agencies.\n\n2. Cease and desist from any further collection activity unless full legal validation is provided.\n\nYou are hereby noticed that failure to comply within ten ( 10 ) days will result in formal complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and may result in a civil lawsuit against your agency and any parties involved for damages, including defamation, invasion of privacy, and violations of federal consumer law. \n\nI reserve all rights, remedies, and causes of action under law and equity.","date_sent_to_company":"2025-05-16T18:12:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"54304","tags":null,"has_narrative":true,"complaint_id":"13559764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2025-05-16T17:56:51.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This letter serves as formal notice and demand for the immediate removal of all derogatory information you <em>have</em> reported or caused to be reported to any consumer reporting agency regarding alleged debts which remain unverified, unvalidated, and unsupported by <em>lawful</em> documentation. \n\nDespite multiple written requests sent to you, including notices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you <em>have</em> failed to provide proper <em>verification</em> of the alleged debts."]},"sort":[14.970017,"13559764"]},{"_index":"complaint-public-v1","_id":"13560208","_score":14.968313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as formal notice and demand for the immediate removal of all derogatory information you have reported or caused to be reported to any consumer reporting agency regarding alleged debts which remain unverified, unvalidated, and unsupported by lawful documentation. \n\nDespite multiple written requests sent to you, including notices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you have failed to provide proper verification of the alleged debts. Instead, you have persistently responded with generic stall letters and photocopies of purported agreements lacking original wet ink signatures or judicial determinations of liability. A photocopy or auto-signed version of a contract is insufficient to constitute a legally binding and enforceable obligation, especially when demanded under the law.\n\nPursuant to 15 U.S.C. 1692g ( a ) - ( b ), you are legally obligated to cease all collection activity, including credit reporting, until you provide full verification of the alleged debt, including : - A certified copy of the original agreement bearing my original wet signature, - A full accounting of the alleged obligation and chain of custody, - Proof of your legal standing to collect or report the alleged debt. \n\nYour continued failure to comply constitutes willful noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and is considered an attempt to collect a debt through deceptive means. This notice serves as a final demand that you : 1. Immediately delete all inaccurate, unverified, or unauthorized information from all consumer reporting agencies.\n\n2. Cease and desist from any further collection activity unless full legal validation is provided.\n\nYou are hereby noticed that failure to comply within ten ( 10 ) days will result in formal complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and may result in a civil lawsuit against your agency and any parties involved for damages, including defamation, invasion of privacy, and violations of federal consumer law. \n\nI reserve all rights, remedies, and causes of action under law and equity.","date_sent_to_company":"2025-05-16T18:22:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"54304","tags":null,"has_narrative":true,"complaint_id":"13560208","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-05-16T18:13:12.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This letter serves as formal notice and demand for the immediate removal of all derogatory information you <em>have</em> reported or caused to be reported to any consumer reporting agency regarding alleged debts which remain unverified, unvalidated, and unsupported by <em>lawful</em> documentation. \n\nDespite multiple written requests sent to you, including notices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you <em>have</em> failed to provide proper <em>verification</em> of the alleged debts."]},"sort":[14.968313,"13560208"]},{"_index":"complaint-public-v1","_id":"13559403","_score":14.968313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as formal notice and demand for the immediate removal of all derogatory information you have reported or caused to be reported to any consumer reporting agency regarding alleged debts which remain unverified, unvalidated, and unsupported by lawful documentation.\n\nDespite multiple written requests sent to you, including notices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you have failed to provide proper verification of the alleged debts. Instead, you have persistently responded with generic stall letters and photocopies of purported agreements lacking original wet ink signatures or judicial determinations of liability. A photocopy or auto-signed version of a contract is insufficient to constitute a legally binding and enforceable obligation, especially when demanded under the law. \n\nPursuant to 15 U.S.C. 1692g ( a ) - ( b ), you are legally obligated to cease all collection activity, including credit reporting, until you provide full verification of the alleged debt, including : - A certified copy of the original agreement bearing my original wet signature, - A full accounting of the alleged obligation and chain of custody, - Proof of your legal standing to collect or report the alleged debt.\n\nYour continued failure to comply constitutes willful noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and is considered an attempt to collect a debt through deceptive means. This notice serves as a final demand that you : 1. Immediately delete all inaccurate, unverified, or unauthorized information from all consumer reporting agencies.\n\n2. Cease and desist from any further collection activity unless full legal validation is provided.\n\nYou are hereby noticed that failure to comply within ten ( 10 ) days will result in formal complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and may result in a civil lawsuit against your agency and any parties involved for damages, including defamation, invasion of privacy, and violations of federal consumer law. \n\nI reserve all rights, remedies, and causes of action under law and equity.","date_sent_to_company":"2025-05-16T17:56:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"54304","tags":null,"has_narrative":true,"complaint_id":"13559403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Acceptance Corporation","date_received":"2025-05-16T17:47:11.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This letter serves as formal notice and demand for the immediate removal of all derogatory information you <em>have</em> reported or caused to be reported to any consumer reporting agency regarding alleged debts which remain unverified, unvalidated, and unsupported by <em>lawful</em> documentation.\n\nDespite multiple written requests sent to you, including notices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you <em>have</em> failed to provide proper <em>verification</em> of the alleged debts."]},"sort":[14.968313,"13559403"]},{"_index":"complaint-public-v1","_id":"10500036","_score":14.826127,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX, XXXX XXXX Subject : Final Notice to Cease Reporting Unvalidated Debt and Delete Collection from Credit Report CFPB Case # : XXXX Account Number : XXXX Reference Number : XXXX Dear Compliance Department, I am writing to you regarding the alleged debt you are reporting on my credit report in connection with the account referenced above. After thoroughly reviewing your response dated XX/XX/XXXX, it has become clear that the documentation you provided fails to meet the legal requirements necessary for debt validation as outlined under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Specifically, the following issues were identified : 1. Lack of Sufficient Validation : The FDCPA mandates that a debt collector must provide verification of the debt upon request, including an itemized breakdown of the amount owed, proof of ownership or assignment of the debt, and a copy of the original agreement with the original creditor. While you provided an account summary and terms and conditions, you failed to supply any documentation that includes my original signature or shows my direct agreement to the debt, which is required to substantiate your claim. \n\n2. Unclear Proof of Ownership : The documentation you provided states that LVNV Funding LLC acquired the debt on XX/XX/XXXX. However, there is no clear proof or chain of title showing the lawful transfer of the debt from the original creditor, XXXX XXXX XXXX ( XXXX ), XXXX, to LVNV Funding LLC, which is essential to prove that you have the legal right to collect on this debt. \n\n3. Inconsistent Account Information : The information you provided indicates a charge-off date of XX/XX/XXXX, and that no payments have been made since acquisition. However, I have never received adequate documentation proving the balance claimed, including any details regarding the accumulation of interest or fees. Furthermore, you have not provided sufficient details regarding the original terms and conditions of the debt, which is crucial for verifying the validity of the alleged debt. \n\n4. Failure to Cease Reporting During Dispute : You are currently reporting this debt to the credit bureaus as \" disputed, '' which under the FDCPA, you are required to cease all collection activities, including reporting to credit agencies, until the debt has been fully validated. The ongoing reporting of this debt violates my rights as outlined under the FCRA. \n\nDemand for Immediate Action In light of the above, I am requesting that you take the following actions immediately : - Cease all collection activities related to this debt. \n- Remove all references to this account from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ) within 15 days of receiving this letter. \n- Provide me with written confirmation that this account has been permanently deleted from my credit report. \n\nFailure to comply with this request will leave me no choice but to escalate this matter further by filing a lawsuit for violations of the FDCPA and FCRA. I have maintained a record of all correspondence and evidence, and I am prepared to pursue all available legal remedies, including statutory damages and attorney fees, as permitted under federal law. \n\nI look forward to your immediate cooperation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-10-18T21:13:41.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"75070","tags":null,"has_narrative":true,"complaint_id":"10500036","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-10-18T21:04:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["However, there is no clear <em>proof</em> or chain of title showing the <em>lawful</em> transfer of the debt from the original creditor, XXXX XXXX XXXX ( XXXX ), XXXX, to LVNV Funding LLC, which is essential to prove that you <em>have</em> the legal right to collect on this debt. \n\n3. Inconsistent Account Information : The information you <em>provided</em> indicates a charge-off date of XX/XX/XXXX, and that no payments <em>have</em> been made since acquisition."]},"sort":[14.826127,"10500036"]},{"_index":"complaint-public-v1","_id":"12414776","_score":14.326016,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX with L J ROSS ASSOCIATES with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so. \n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Https : //www.merriam-webster.com/dictionary/receipt definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility. \n\nMy credit reports also show that L J ROSS ASSOCIATES has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did L J ROSS ASSOCIATES not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my XXXX credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. XXXX XXXXXXXX found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act. \n\nThe website also stated that Encore and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB XXXX XXXX XXXX. Now, the two biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices. \n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so.","date_sent_to_company":"2025-03-12T00:57:45.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"397XX","tags":null,"has_narrative":true,"complaint_id":"12414776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LJ Ross Associates","date_received":"2025-03-12T00:47:53.000Z","state":"MS","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."],"sub_issue":["Didn't receive enough information to <em>verify</em> debt"]},"sort":[14.326016,"12414776"]},{"_index":"complaint-public-v1","_id":"11193615","_score":14.326016,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX AT {$6700.00} with MIDLAND CREDIT MANAGEMENT with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so. \n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Https : //www.merriam-webster.com/dictionary/receipt definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility. \n\nMy credit reports also show that MIDLAND CREDIT MANAGEMENT has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did MIDLAND CREDIT MANAGEMENT not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that Encore Capital Group and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that Encore and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. \n\nThe website also stated that Encore and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB DirectoXXXX XXXX XXXX. Now, the two biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices. \n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so.","date_sent_to_company":"2024-12-18T00:19:30.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"30213","tags":null,"has_narrative":true,"complaint_id":"11193615","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-12-18T00:06:24.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."]},"sort":[14.326016,"11193615"]},{"_index":"complaint-public-v1","_id":"11162155","_score":14.326016,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX at {$1900.00} with JEFFERSON CAPITAL with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so. \n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, XXXX wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility. \n\nMy credit reports also show that JEFFERSON CAPITAL has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did JEFFERSON CAPITAL not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. \n\nThe website also stated that XXXX  and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB Director XXXX XXXX. Now, the two biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices. \n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so. \n\nJEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX","date_sent_to_company":"2024-12-15T20:33:34.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"466XX","tags":null,"has_narrative":true,"complaint_id":"11162155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-12-15T20:11:26.000Z","state":"IN","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, XXXX wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."]},"sort":[14.326016,"11162155"]},{"_index":"complaint-public-v1","_id":"12415392","_score":14.291371,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX with ONLINE INFORMATION SERVICE with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so. \n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility. \n\nMy credit reports also show that ONLINE INFORMATION SERVICE has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did ONLINE INFORMATION SERVICE not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations XXXX largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act. \n\nThe website also stated that Encore and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB XXXX XXXX XXXX. Now, the XXXX biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices. \n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so.","date_sent_to_company":"2025-03-12T00:22:31.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"397XX","tags":null,"has_narrative":true,"complaint_id":"12415392","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2025-03-11T23:26:51.000Z","state":"MS","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."],"sub_issue":["Didn't receive enough information to <em>verify</em> debt"]},"sort":[14.291371,"12415392"]},{"_index":"complaint-public-v1","_id":"12414782","_score":14.291371,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX with HUNTER WARFIELD INC with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so. \n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Https : //www.merriam-webster.com/dictionary/receipt definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility. \n\nMy credit reports also show that HUNTER WARFIELD INC has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did HUNTER WARFIELD INC not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. \n\nThe website also stated that Encore and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB XXXX XXXX XXXX. Now, the two biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices. \n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so.","date_sent_to_company":"2025-03-12T01:05:34.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"397XX","tags":null,"has_narrative":true,"complaint_id":"12414782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2025-03-12T00:59:40.000Z","state":"MS","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."]},"sort":[14.291371,"12414782"]},{"_index":"complaint-public-v1","_id":"12413513","_score":14.291371,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX  with PORTFOLIO RECOVERY ASSOCIATION with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so. \n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Https : //www.merriam-webster.com/dictionary/receipt definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility.\n\nMy credit reports also show that PORTFOLIO RECOVERY ASSOCIATION has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did PORTFOLIO RECOVERY ASSOCIATION not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies.\n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and Portfolio Recovery Associates bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and Portfolio Recovery Associates attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act. \n\nThe website also stated that Encore and Portfolio Recovery Associates threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB XXXX XXXX XXXX. Now, the two biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices.\n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so.","date_sent_to_company":"2025-03-12T01:33:12.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"75126","tags":null,"has_narrative":true,"complaint_id":"12413513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-03-12T01:19:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."],"sub_issue":["Didn't receive enough information to <em>verify</em> debt"]},"sort":[14.291371,"12413513"]},{"_index":"complaint-public-v1","_id":"11161027","_score":14.285967,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX at {$2800.00} with XXXX XXXX  with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so.\n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Https : //www.merriam-webster.com/dictionary/receipt definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility. \n\nMy credit reports also show that LVNV FUNDING has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did LVNV FUNDING not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my XXXX credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act. \n\nThe website also stated that Encore and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB XXXX XXXX XXXX. Now, the XXXX biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices. \n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so. \n\nC/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-15T21:07:37.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"466XX","tags":null,"has_narrative":true,"complaint_id":"11161027","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-12-15T20:40:54.000Z","state":"IN","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."]},"sort":[14.285967,"11161027"]},{"_index":"complaint-public-v1","_id":"11153805","_score":14.285967,"_source":{"product":"Debt collection","complaint_what_happened":"My credit reports show a reputed collection account XXXX with XXXX XXXX  with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so.\n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Https : //www.merriam-webster.com/dictionary/receipt definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility.\n\nMy credit reports also show that AMERIFINANCIAL SOLUTIONS has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies.\n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did AMERIFINANCIAL SOLUTIONS not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies.\n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act.\n\nThe website also stated that XXXX  and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB Director XXXX XXXX. Now, the two biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices.\n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so.","date_sent_to_company":"2024-12-14T20:35:39.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"397XX","tags":null,"has_narrative":true,"complaint_id":"11153805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Millco Management","date_received":"2024-12-14T20:10:17.000Z","state":"MS","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."],"sub_issue":["Didn't receive enough information to <em>verify</em> debt"]},"sort":[14.285967,"11153805"]},{"_index":"complaint-public-v1","_id":"11263413","_score":14.282844,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX with TCM INCORPORTED-CORINTH with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not in\n\nformed by that representative that I had a right to dispute this debt nor a specific timeframe to do so. 15 USC 1692g 809. V\nalidation of debts ( a ) Notice of debt ; contents states that within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX  definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility.\n\nMy credit reports also show that TCM INCORPORTED-CORINTH has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did TCM INCORPORTED-CORINTH not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies.\n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act. \n\nThe website also stated that Encore and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB XXXX XXXX XXXX. Now, the two biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices.\n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FC\nRA and FDCPA laws. As of today, they have been very unsuccessful to do so.\n\nTCM INCORPORATED-CORINTH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-25T06:30:56.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"30274","tags":null,"has_narrative":true,"complaint_id":"11263413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Tennessee Credit Management, Inc","date_received":"2024-12-25T06:15:34.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."]},"sort":[14.282844,"11263413"]},{"_index":"complaint-public-v1","_id":"12415551","_score":14.282583,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX with AMSHER COLLECTION SERVICES with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so. \n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Https : //www.merriam-webster.com/dictionary/receipt definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility.\n\nMy credit reports also show that AMSHER COLLECTION SERVICES has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did AMSHER COLLECTION SERVICES not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies.\n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act. \n\nThe website also stated that Encore and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB XXXX XXXX XXXX. Now, the two biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices. \n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on XXXX so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so.","date_sent_to_company":"2025-03-12T00:28:32.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"397XX","tags":null,"has_narrative":true,"complaint_id":"12415551","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Amsher Collection Services, Inc.","date_received":"2025-03-12T00:22:45.000Z","state":"MS","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."],"sub_issue":["Didn't receive enough information to <em>verify</em> debt"]},"sort":[14.282583,"12415551"]},{"_index":"complaint-public-v1","_id":"11191859","_score":14.282583,"_source":{"product":"Debt collection","complaint_what_happened":"My credit report shows a reputed collection account XXXX at {$8600.00} with SECURITY CREDIT SERVICES with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so.\n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX  definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I have never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility. \n\nMy credit reports also show that SECURITY CREDIT SERVICES has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account. Therefore making this alleged account full of inaccuracies. \n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did SECURITY CREDIT SERVICES not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my XXXX credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has begun to aggressively litigate companies who continuously violate consumer laws. According to consumerfinance.gov, the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and collectors for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. The CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties. \nThe CFPB found that XXXX and XXXX XXXX XXXX attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. \n\nThe website also stated that XXXX  and XXXX XXXX XXXX threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems, said CFPB Director Richard Cordray. Now, the two biggest debt buyers in the market must refund millions and overhaul their practices. We will continue to take action to protect consumers from illegal and obnoxious debt collection practices. \n\nJust as the CFPB took action against the above companies, I am asking the CFPB to take action against this company as well. Please help me get this account removed immediately and conduct an investigation on this company. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. It is not my duty to provide evidence that this alleged debt is not mine. It is the legal obligation of the debt collector to first prove or provide proof of evidence that they can lawfully collect on any alleged debt before a consumer challenges it, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been very unsuccessful to do so.","date_sent_to_company":"2024-12-18T00:31:41.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"30213","tags":null,"has_narrative":true,"complaint_id":"11191859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2024-12-18T00:20:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for <em>lawful</em> <em>verification</em> of debt or copy of court ordered judgement well within the <em>lawful</em> 30 days allotted. After receiving my response letter with receipt, this company would <em>have</em> to legally cease from collection attempts and remove the account from my credit reports <em>until</em> their <em>proof</em> of <em>verification</em> is sent back to me."]},"sort":[14.282583,"11191859"]},{"_index":"complaint-public-v1","_id":"10417418","_score":14.120429,"_source":{"product":"Debt collection","complaint_what_happened":"Hi, I am disputing a student loan account serviced by Nelnet ( Account No. ending in XXXX ). After requesting verification of the debt, Nelnet responded by sending a one-page document, which they referred to as a promissory note. This document is incomplete and lacks the essential loan terms, making it insufficient to verify the debt. On XX/XX/XXXX, I formally disputed the debt again, demanding lawful proof of the debt, including the original loan agreement and the terms under which it was issued. To date, Nelnet has not responded to this request, in violation of 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ). This section requires a debt collector to cease collection efforts until the debt is verified. Furthermore, under Californias Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) ( California Civil Code 1788.17 ), a debt collector is similarly required to provide validation of the debt or cease collection activities, and failure to do so opens them to statutory penalties.\n\nGiven that Nelnet has not provided lawful proof of the debt or responded to my repeated requests for verification, I have\nalready filed a complaint with the California Department of Financial Protection and Innovation ( DFPI ) under the California Student Loan Servicing Act ( CSLS Act ) ( California Financial Code 28100-28186 ). This law imposes strict record-keeping and disclosure requirements on loan servicers, including the obligation to maintain accurate records of student loans and provide borrowers with access to loan terms and agreements. Nelnet 's failure to produce the complete loan agreement violates the CSLS Acts record-keeping requirements and transparency obligations. \n\nAdditionally, the recent discovery of a CUSIP number ( XXXX ) linked to my student loan account in the XXXX Government Securities Fund indicates that this loan has been securitized. Under UCC 9-210, as the debtor, I am entitled to request a full accounting of the secured transaction, including any records or statements that show the current status of the purported debt, a complete chain of title, and evidence of any perfection of the security interest. Failure to comply with this request for accounting violates UCC Article 9, which governs secured transactions. \n\nThe existence of the CUSIP number raises additional legal concerns. In the process of securitization, it is common for original promissory notes to be sold, transferred, or even destroyed. UCC 3-309 addresses the enforcement of lost, destroyed, or stolen instruments, requiring the party seeking to enforce the instrument to prove their entitlement to enforce it and provide sufficient evidence of the terms and ownership of the note. Without this documentation, Nelnet has no lawful right to collect on this debt. \n\nFurther, the securitization of this loan alters the nature of the debt, as the underlying note may have been transferred to a trust or other investment vehicle. This is significant because UCC 9-203 ( b ) mandates that a secured party must have rights in the collateral ( in this case, the loan ) to enforce the security interest, and those rights must be perfected. Under UCC 9-308, perfection of a security interest occurs when all the steps required for perfection under the UCC are taken, such as filing a UCC-1 financing statement or continuation statement. Nelnet and XXXX XXXX XXXXXXXX, the original lender, must provide documentation of perfection and a valid servicing rights agreement to establish their right to collect the debt. If no such proof exists, the collection of this debt violates UCC Article 9.\n\nAdditionally, this loan transaction may be governed under TILA ( Truth in Lending Act, 15 U.S.C. 1601-1667 ), which requires accurate disclosure of the terms and conditions of the loan. Nelnet 's failure to provide the original loan documentation, including the terms and conditions of the loan, may violate TILAs requirements. Without a clear chain of title or proof of perfection, Nelnet and its affiliates may not have the legal right to service or collect on this debt.\n\nThe case law supports my position that Nelnet must provide sufficient proof of the debt. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that without the original note, a party could not enforce the loan. This ruling emphasized the importance of maintaining original documentation when securitization occurs. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX held that the note and the mortgage must remain together. Without the original note, there can be no lawful enforcement of the mortgage or security interest. \n\nUnder UCC 9-210, I am requesting that Nelnet, XXXX XXXX XXXX XXXX Sloan Services , and their affiliates provide the following : Full accounting and records of the debt, including a ledger and statement of the account.\n\nProof of the original promissory note and a clear chain of title showing any transfers or assignments of the note.\n\nProof of perfection of the security interest through UCC-1 filings and continuation statements, and evidence of the legal right to service and collect the debt. \nIf Nelnet, XXXX XXXX XXXXXXXXXXXX Sloan Servicing and or its affiliates fails to provide this documentation within five business days, I will be left with no choice but to pursue legal action against them collectively, including a federal lawsuit seeking damages for predatory lending practices, violations of federal and state debt collection laws, and misreporting to credit agencies. The continued reporting of this unverifiable debt has damaged my credit profile, preventing me from securing expansion funding for my business and purchasing a home for my family. \n\nThis complaint is intended to give the Consumer Financial Protection Bureau ( CFPB ) the necessary information to compel Nelnet to either provide the legally required documentation or cease all collection activities and correct the inaccurate reporting on my credit.","date_sent_to_company":"2024-10-11T17:54:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Federal student loan debt","zip_code":"91504","tags":null,"has_narrative":true,"complaint_id":"10417418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-10-11T17:48:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Given that Nelnet has not <em>provided</em> <em>lawful</em> <em>proof</em> of the debt or responded to my repeated requests for <em>verification</em>, I <em>have</em>\nalready filed a complaint with the California Department of Financial Protection and Innovation ( DFPI ) under the California Student Loan Servicing Act ( CSLS Act ) ( California Financial Code 28100-28186 )."]},"sort":[14.120429,"10417418"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":91,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":91}]}},"product":{"doc_count":91,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":38,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":23},{"key":"Credit card debt","doc_count":6},{"key":"Other debt","doc_count":4},{"key":"Medical debt","doc_count":2},{"key":"Federal student loan debt","doc_count":1},{"key":"Mortgage 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