Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against U.S. Collections West and XXXX  at XXXX XXXX XXXX for Lease Mismanagement and Debt Collection Issues Introduction : I am submitting this complaint to address serious concerns with XXXX at XXXX XXXX XXXX and their subsequent involvement of U.S. Collections West in what has become a distressing matter for both myself and my father, who was listed as a co-signer without clear necessity due to my sufficient income at the time. During a period of significant XXXX XXXX  decline, I followed the prescribed process to request early lease termination, believing an agreement had been reached upon my vacating the property and submitting the necessary documentation. 

Narrative of Events : Suffering from deteriorating XXXX XXXX, I formally requested to break my lease in accordance with the terms outlined in my agreement with XXXX at XXXX XXXX XXXX. This request included completing all required forms and returning the keys, under the impression that my request was acknowledged and accepted. However, I was later informed that my request to terminate the lease early was denied, despite my formal departure and the understanding that we had parted ways amicably. 

This situation was further complicated by the involvement of U.S. Collections West, who pursued the alleged debt without my knowledge or consent, significantly impacting both my credit and my father 's, who was unexpectedly involved as a co-signer. 

Violations and Requested Resolution : Fair Debt Collection Practices Act ( FDCPA ) : The actions of U.S. Collections West may violate the FDCPA, which protects consumers from abusive debt collection practices and mandates clear communication about debt collection efforts. 

Americans with Disabilities Act ( ADA ) : The failure of XXXX at XXXX XXXX XXXX to accommodate my request for lease termination under the circumstances of my XXXX  health condition raises concerns regarding compliance with the ADA. 

I request the following from the CFPB : A thorough investigation into the handling of my lease termination request by XXXX at XXXX XXXX XXXX and the subsequent debt collection actions taken by U.S. Collections West. 
Correction of any inaccuracies in the reporting of this debt on both my and my father 's credit reports, and the removal of derogatory marks related to this issue. 
Monetary compensation for the distress and potential financial damages incurred due to these entities ' actions. 
Enforcement of policies that ensure clear communication and proper consent for co-signers, and that accommodate tenants ' mental health conditions in lease agreements and termination requests. 
Conclusion : The handling of my lease termination request and the subsequent debt collection efforts have not only caused financial harm but also significant emotional distress, exacerbated by my mental health challenges. I urge the CFPB to take immediate action to address these violations and ensure that both XXXX at XXXX XXXX XXXX and U.S. Collections West are held accountable for their practices. 

Sincerely, XXXX XXXX