Consumer complaint received 2021-02-18
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I writing this letter filing a complaint against REGIONAL ACC Account # XXXX. I know that me and my husband was place in a unfair or deceptive practices relating to auto loans. I believe that REGIONAL ACC violated our consumer protection laws exposing us to unnecessarily high level of risk and knowingly place us into auto loan that had a high probability of us defaulting. Which we did default and we going to take legal matter because of the illegal things this company did. Are in non compliance violation against State, Federal, FCRA and FDCP statues of fraudulent extortion. We wrote the credit bureaus on XX/XX/XXXX and they received it on XX/XX/XXXX for validation ( letter attached ). The credit bureaus said they info REGIONAL ACC OF THIS MATTER. THEY NEVER RESPOND. These are non-compliance of major violations that we will take legal actions if this account is not remove from my credit report 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ). 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) Collection agency if they fail to report a disputed debt to the credit bureaus. Protection under the FDCPA Section 807 ( 8 ). 6 ) Show me that you are licensed to collect in my state. 7 ) Provide me with your license number and registered agent. Legal action. Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately if REGIONAL ACC and credit bureaus continue in this non-compliance as Richardson v. Fleet Bank of Massachusetts-the court held that the Fleet Bank failed to follow reasonable procedures by relying on creditors for accurate credit information because the company had reason to know of the dispute between the consumer and the company. I also remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. If not off my credit in 15 days I hereby reserve my right to take private civil action against you to recover damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation