Product: Debt collection

Subject : Formal Complaint Regarding Illegal Sale of Personal Information and Fraudulent Collections by RSI Enterprises Dear Sir/Madam , I am writing to formally file a complaint against RSI Enterpris

es , a debt collection agency that has illegally sold my personal information, including my Social Security Number ( SSN ), address, and other sensitive data, to third parties without my consent. Additionally, this company has engaged in illegal collections practices that have violated multiple federal laws and caused significant damage to my credit and financial well-being. This company has been practicing fraudulent behavior since its inception in 1985, and I demand immediate action to remove all references of these unlawful practices from my credit report and hold them accountable for their actions. Details of the Violations : Illegal Sale of Personal Information : I have recently discovered that RSI Enterprises has sold or disclosed my personal information ( such as my SSN, home address, and other private data ) to third parties with
out my knowledge or consent. This unauthorized sharing or selling of my information is a direct violation of federal law and has left me vulnerable to potential identity theft.

Illegal Collection Practices : RSI Enterprises has also been involved in illegal debt collection practices, including but not limited to : Harassment and intimidation tactics in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Attempting to collect debts that are not valid or that are past the statute of limitations.

Misrepresentation of the amount owed or the nature of the debt.

Failure to provide proper validation of the debt when requested, as required by law.

These actions violate numerous federal consumer protection laws designed to safeguard individuals from fraudulent debt collection activities and unauthorized use of personal information.

Relevant Federal Violations and Penal Codes : Gramm-Leach-Bliley Act ( GLBA ) Unauthorized Sale of Personal Information Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions and debt collection agencies are prohibited from disclosing or selling personal information without explicit consent from the consumer.

Penalties for Violation : Civil penalties of up to {$100000.00} per violation for each unauthorized disclosure of personal information.

Criminal penalties of up to {$250000.00} and up to 5 years in prison for willfully disclosing personal information without authorization.

Fair Debt Collection Practices Act ( FDCPA ) Illegal Debt Collection Practices The FDCPA governs how debt collectors must behave when attempting to collect a debt. Any violations, including harassment, misrepresentation, or failure to validate the debt, are unlawful.

Penalties for Violation : {$1000.00} in statutory damages per violation.

Actual damages for the consumer, including compensation for emotional distress or financial harm.

Attorneys fees and court costs may also be awarded.

Identity Theft and Fraudulent Practices Unauthorized Use of Personal Information If the sale or misuse of my personal information has resulted in identity theft or fraudulent activities, RSI Enterprises may be liable under 18 U.S.C. 1028 for unauthorized use of personal identification information.

Penalties for Violation : Fines of up to {$1000.00} per violation.

Restitution to the victim for any financial loss caused by identity theft.

Demands for Immediate Action : Immediate Removal of any and all references related to RSI Enterprises and their fraudulent activities from my credit report, including any accounts or collection actions that were initiated through these illegal means.

Full Disclosure of the specific details regarding the sale or disclosure of my personal information to third parties and the parties to whom it was sold or shared.

Formal Written Apology from RSI Enterprises acknowledging their illegal behavior and committing to prevent further violations of consumer rights.

Compensation for the damages caused by the unauthorized sale of my personal information, illegal collections practices, and any resulting harm to my credit score, financial standing, and emotional distress.