Consumer complaint received 2017-05-23
Company: Sprunger Law Office, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On  XXXX   XXXX  of  XXXX , I was ordered to appear in  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , Indiana to defend myself for a credit card debt through  XXXX   XXXX   XXXX   XXXX . I appeared that day, signed in with the desk to notify them I have arrived, and was called upon in the hallway by  XXXX   XXXX   XXXX , of  Sprunger Law offi ces located in  XXXX  Indiana. The attorney did not identify himself as the defense attorney for  XXXX   XXXX   XXXX   XXXX  and asked a series of question for personal information. I assumed he was the courts clerk to verify my identity. Once he obtained his information and I had signed the documents he said  " Ok, thank  you. You are free to go. ". Puzzled I asked why I was not attending this hearing, where he then explained that he was the defense attorney for  XXXX   XXXX   XXXX   XXXX  and he had all he needed, then walked away. I then left, confused. I later understood what had happened once I received a garnishment order for 25 % of my paycheck for a total amount of {$9600.00} plus costs.   On  XXXX   XXXX ,  XXXX , I sent a certified letter to  XXXX   XXXX   XXXX   XXXX  requesting all of the documents bearing my signature to prove the debt was mine and to file a dispute. Note : I checked my credit reports the same day to verify the account had not appeared as disputed in the comment section. This certified letter was signed for on  XXXX   XXXX ,  XXXX .   My letter was then forwarded t o Sprunger Law Office, whe re  XXXX   XXXX  retuned an envelope with documents bearing my signature, but without all of the documents I requested in accordance to the FDCPA and FCRA.   I then waited over 31 days and sent another certified letter on  XXXX   XXXX ,  XXXX  stating that neither  XXXX   XXXX   XXXX   XXXX  nor  Sprunger Law Office ha ve contacted  XXXX ,  XXXX , or  XXXX  to note that the account had been disputed in the comment section. Note : This letter was signed for on  XXXX   XXXX ,  XXXX  at  Sprunger Law Office. I reminded them that neither Sprunger Law office, n or  XXXX   XXXX   XXXX   XXXX  were in compliance with the FCRA  623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. A s they have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or inact ion ) on their behalf may result in a sm all claims action against their company, and would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identify fraud, violation of the FDCPA, and violation of the FCRA.   I have yet to receive any documentation of their stance for this debt removal and my wages are still being garnished.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation