Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the collection agency Financial Assistance Inc. for multiple violations of my consumer rights under federal and state law.

Dispute of Debt : I dispute owing any and all debts to Financial Assistance Inc. Despite this, they have reported an alleged debt to the credit reporting agencies, significantly damaging my credit score and financial standing.

Violation of Validation Information Requirement ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Financial Assistance Inc. has failed to provide the necessary validation information required by law. This failure to provide validation information before placing a collection on my consumer report is a clear violation of 12 CFR 1006.34 ( b ) ( 5 ).

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a chance to dispute the account in question as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to dispute the account has deprived me of the opportunity to address and rectify any potential errors or misunderstandings.

Use of False, Misleading, and Deceptive Means : Financial Assistance Inc. has engaged in the use of false, misleading, and deceptive means to collect the alleged debt. These practices are not only unethical but also illegal under consumer protection laws.

Lack of Authority to Furnish Account to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Financial Assistance Inc. has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures. Their failure to comply with 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) is a clear violation of my rights.

Illegal Collection Practices in the State of Florida : Additionally, Financial Assistance Inc. is not legally authorized to collect debts in the state of Florida. Their attempts to collect the alleged debt in this jurisdiction are illegal and constitute further violations of my rights.

Revocation of Communication Rights : I revoke all rights for Financial Assistance Inc. to communicate with me through email, text, or calls. All future communication must be in writing and sent via postal mail to my address.

Request for Purchase Agreement and Proof of Licensing and Bonding : I am requesting that Financial Assistance Inc. provide the purchase agreement between their company and the original creditor. Additionally, I request proof that Financial Assistance Inc. is properly licensed and bonded to collect debts in the state of Florida.

Conclusion : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action against Financial Assistance Inc. to address these violations. Specifically, I seek : The removal of the erroneous collection from my consumer report.

An investigation into the collection practices of Financial Assistance Inc.

Appropriate penalties for their illegal activities.

The provision of the purchase agreement between Financial Assistance Inc. and the original creditor.

Proof that Financial Assistance Inc. is licensed and bonded to collect debts in Florida.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.