Product: Debt collection

Johnson Mark LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Illegal Wage Garnishment and Unlawful Debt Collection Practices Dear Johnson Mark LLC, I am writing to formally file a complaint regarding your companys unlawful debt collection practices, including an illegal wage garnishment, failure to provide debt validation, and continued attempts to collect on an unverified debt in violation of federal and state laws.

1. Failure to Serve Proper Legal Notice You obtained a default judgment against me without ever serving me legal notice of the lawsuit. When I requested proof of service, your representatives repeatedly stated that it would be provided within 30 days, but I never received it. When I finally reached a representative by phone, I was told that service was made to a female individual, despite the fact that I live with male roommates. This constitutes improper service under Rule 4 of the Federal Rules of Civil Procedure and applicable state laws, making the default judgment invalid.

2. Unlawful Wage Garnishment Without Debt Validation Following this improper judgment, you garnished my wages in the amount of {$1800.00}. When I disputed the garnishment and requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you failed to provide the required documentation proving the legitimacy of the debt. After 45 days, my employer returned the garnished funds due to your failure to substantiate the claim.

3. Continued Illegal Debt Collection and Credit Damage Despite the return of funds, you have continued to attempt collection on this disputed and invalid debt, including sending me collection emails and reporting negative information to credit bureaus. This violates both the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which prohibits furnishing inaccurate information to credit reporting agencies, and the FDCPA 15 U.S.C. 1692e ( 8 ), which prohibits false or misleading representations in debt collection.

4. Legal Violations and Requested Compensation Your actions have caused me undue financial and emotional distress, as well as damage to my credit. As a result of your violations of federal and state consumer protection laws, I demand the following : 1. Immediate removal of any negative credit reporting related to this invalid debt from all credit bureaus.

2. A written confirmation that you will cease all further collection efforts on this disputed debt.

3. Compensation for damages, including but not limited to : Financial harm caused by the illegal wage garnishment. 
Emotional distress and time spent disputing this matter. 
Damage to my credit, which has affected my ability to obtain loans and financial opportunities. 

If you fail to resolve this matter within 15 days of receipt of this letter, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney Generals office, as well as pursuing legal action for damages. 

Please provide a written response addressing these concerns and confirming the requested corrective actions. I expect prompt attention to this serious matter.