Product: Debt collection

Dear CFPB Complaint Center : I am filing a complaint against the Florida Department of Revenue and Child Support Enforcement for improper debt collection practices and fraudulent actions related to the enforcement of three Income Withholding Orders ( IWOs ). 

Key Issues : 1. Improper Debt Collection Practices : The IWOs reflect miscalculated arrears and monthly obligations, which exceed federal limits on garnishment under the Consumer Credit Protection Act ( 15 U.S.C. 1673 ).

No written consent or agreement was ever signed to authorize the enforcement of these orders. 

2. Fraudulent Reporting to Credit Bureaus : The agencies have reported inaccurate and unverified debts to credit bureaus, damaging my credit in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

3. Deprivation of Financial Stability : The enforcement of these orders has left me with less than {$600.00} per paycheck, depriving me of my ability to support myself and violating Florida Child Support Guidelines ( XXXX ). 

Miscalculation of Support Obligations Each IWO reflects a gross miscalculation of child support arrears and monthly obligations, which exceed my financial capacity and do not align with Florida Child Support Guidelines ( XXXX ). Specifically : XXXX XXXX XXXX XXXX XXXX XXXXXXXX with arrears totaling {$30000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX with arrears totaling {$27000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX with arrears totaling {$24000.00}. 

These miscalculations result in a total monthly deduction of {$2800.00}, leaving me with approximately {$560.00} per paycheck. This violates the Consumer Credit Protection Act ( 15 U.S. Code 1673 ), which limits wage garnishments to protect a persons ability to support themselves.

3. Fraudulent Issuance of IWOs The IWOs lack the following critical elements required for enforceability : Judicial Authorization : None of the IWOs bear a judges signature or court validation, as required by Florida Statutes XXXX. 

Court Seal or Clerks Stamp : No authentication from the court has been provided. 

Correct Issuing Authority : The orders were purportedly issued by Process XXXX XXXX XXXX, whose legal authority to issue binding IWOs is unclear. 

The absence of these elements suggests the IWOs are invalid and may constitute extrinsic fraud, defined in Florida case law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as fraudulent actions preventing a party from having their case fully and fairly heard. 

4. Improper Reporting to Credit Bureaus These erroneous and fraudulent orders have been improperly reported to credit bureaus, damaging my credit score and financial standing. This violates : Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ) : Prohibits the furnishing of inaccurate or unverifiable information to credit reporting agencies.

Florida Statutes 559.72 ( 6 ) : Prohibits debt collectors from asserting a debt they know is false or invalid. 

5. Failure to Follow Administrative Procedures The Florida Department of Revenue and Child Support Enforcement violated their statutory duty under Florida XXXX XXXX by failing to : Provide accurate calculations. 

Ensure compliance Impact : These fraudulent actions have caused financial hardship and emotional distress. The agencies actions reflect systemic issues in child support enforcement and debt reporting practices. 

Thank you for your time and consideration. 
Sincerely, XXXXXXXX XXXX XXXX