Product: Debt collection

Subject : Formal Complaint Against XXXX XXXX XXXX and Associated Law Firms for FDCPA and FCRA Violations Dear CFPB Complaints Division, I am submitting this formal complaint regarding multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX and the law firms acting on their behalf. Below, I outline the details of their actions, the legal violations, and the relief I seek. 

Background of the Dispute On XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX, c/o XXXX XXXX XXXX , regarding an alleged debt. I exercised my rights under 15 U.S.C. 1692g ( b ) and disputed the debt in writing via certified mail, requesting proper validation. Proof of delivery is included with this submission. 

XXXX XXXX XXXX failed to provide legally sufficient validation of the alleged debt. Instead, they supplied incomplete and vague documentation that does not meet the requirements of proper validation. Specifically, the documents failed to include : A signed contract or agreement proving I owe this debt. 
A chain of title showing ownership of the debt if it has been sold or transferred. 
A full and detailed account history substantiating the amount claimed. 
Despite their failure to validate the debt, XXXX XXXX XXXX escalated the matter by involving multiple law firms, subjecting me to continuous harassment and violations of federal law. 

Prior Complaints Closed Without Resolution I have previously filed several complaints against XXXX XXXX XXXX regarding their failure to provide proper debt validation and their continued collection efforts. These complaints were closed without XXXX sending the correct details to resolve the matter. 

The complaints are as follows : Complaint ID XXXX Complaint ID XXXX Complaint ID XXXX It is unacceptable for these complaints to be closed without a full resolution. I request that this matter remain open until XXXX XXXX XXXX provides all legally required information to validate the alleged debt or confirms in writing that the matter has been resolved and closed. 

Law Firms Involved in Unlawful Collection Activity The following law firms have been involved in the unlawful collection activities associated with this alleged debt : XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX Actions : Failed to validate the debt after I disputed it and ceased collection activity on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Actions : Attempted collection without addressing my validation request. 
XXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Actions : Transferred the account without addressing my dispute. 
XXXXXXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Actions : Attempted collection without resolving prior disputes. 
Hayt , Hayt & Landau , P.L . 

Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Actions : Sent a collection letter on XX/XX/XXXX, continuing collection activity without prior validation, violating 15 U.S.C. 1692g ( b ). 
Violations Continued Collection Without Validation 15 U.S.C. 1692g ( b ) : Prohibits further collection activities without validating the debt. 
Harassment Through Unlawful Collection Practices 15 U.S.C. 1692d : Prohibits harassment and abuse in debt collection activities. 
Misrepresentation and Unfair Practices 15 U.S.C. 1692e : Prohibits deceptive and misleading representation of debt. 
15 U.S.C. 1692f : Prohibits unfair and unconscionable means of collection. 
FCRA Violations 15 U.S.C. 1681s-2 ( b ) : Requires accurate credit reporting and investigation of disputes.