Product: Debt collection

Formal Complaint Against Specialized Collection Systems , Inc. ( SCS ) for Violations of FDCPA, FCRA, Texas Finance Code, and Texas Deceptive Trade Practices Act Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Phone : XXXX To : XXXX XXXX XXXX, CFPB, and Texas Attorney Generals Consumer Protection Division To : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX, XX/XX/XXXX D.C. XXXX Texas Attorney Generals Consumer Protection Division, XXXX XXXX XXXX, XXXX, TX XXXX Subject : Complaint Against Specialized Collection Systems , Inc. for FDCPA, FCRA, Texas Finance Code & Deceptive Trade Practices Act Violations I am submitting this formal complaint against Specialized Collection Systems , Inc. ( SCS ) for multiple violations of federal and state consumer protection laws regarding unlawful debt collection and credit reporting practices. Violations Identified : 1. Inaccurate Credit Reporting ( Violation of FCRA 1681s-2 & 1681e ( b ) ) Failure to mark the debt as disputed, violating FCRA 1681s-2 ( a ) ( 3 ). Furnishing inaccurate information to XXXX, violating FCRA 1681e ( b ), which mandates maximum possible accuracy in reporting. Failure to disclose full consumer file upon request, potentially violating FCRA 1681g ( a ) ( 1 ). 2. Unlawful Debt Collection Practices ( Violation of FDCPA ) Failure to validate debt under FDCPA 1692g. False and misleading statements under FDCPA 1692e. Unfair and deceptive practices under FDCPA 1692f. 3. Violations of Texas State Laws ( Texas Finance Code & DTPA ) Failure to be properly licensed and bonded in Texas ( Texas Finance Code 392.101 ). Deceptive trade practices, including misrepresenting debt validation procedures ( DTPA 17.46 ( b ) ( 12 ) & 17.46 ( b ) ( 24 ) ). Unconscionable collection activities under DTPA 17.50 ( a ) ( 3 ). 4. Pattern of Consumer Complaints and Legal Actions Against SCS Specialized Collection Systems , Inc. has a history of consumer complaints and multiple lawsuits filed against them, which demonstrate a pattern of deceptive, misleading, and unlawful debt collection practices : Date Filed Case Name Plaintiff Court Cause of Action XX/XX/XXXX v. Specialized Collection System, Inc. XX/XX/XXXXXX/XX/XXXXFair Debt Collection ActXX/XX/XXXX v. Specialized Collection Systems XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Federal QuestionXX/XX/XXXX XX/XX/XXXXv. Specialized Collection Systems, LLCXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXFair Debt Collection ActXX/XX/XXXX v.XX/XX/XXXX Information Services , LLC et alXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Fair Credit Reporting Act XX/XX/XXXX v. Specialized Collection Systems Inc XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX v. Specialized Collection Systems , Inc. XX/XX/XXXXXX/XX/XXXX5XX/XX/XXXX XX/XX/XXXX v. Specialized Collection Systems, Inc. XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX v. XX/XX/XXXX LLC et al XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXv. Specialized Collection Systems , Inc.XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXair Debt Collection AcXX/XX/XXXX v. Specialized Collection Systems, Inc. et al XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXContract This pattern of litigation and complaints suggests a systemic issue within SCSs debt collection and reporting practices, further demonstrating the need for regulatory intervention. Supporting Documents Attached : Copy of my debt validation request sent on XX/XX/XXXX. Certified mail receipt confirming delivery on XX/XX/XXXX. Copy of SCSs generic response, failing to provide proper validation. XXXX credit report showing disputed accounts inaccurately reported. Documentation of previous consumer complaints and lawsuits against SCS. Requested Actions : XXXX : Immediately delete the inaccurate accounts from my credit report. CFPB : Conduct a full investigation into SCSs debt collection and reporting practices and impose penalties. Texas Attorney General : Investigate SCS for violations of Texas Finance Code and DTPA, and take enforcement action. I urge each agency to take swift action in enforcing the relevant laws and protecting consumers from unlawful debt collection and credit reporting practices. Sincerely, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX