Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Reliant Capital Solutions, LLC (TN)

I am filing this complaint because a debt collector from Reliant Capital Solutions violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year> at XXXX, I informed the debt collector XXXX XXXX I was disputing the debt in question and that I had sent a formal dispute letter, which they should receive by [ Expected Arrival Date, e.g., XX/XX/XXXX ]. 

Despite my clear communication, the debt collector attempted to coerce me into discussing the contents of my dispute letter over the phone, which I am not legally obligated to do. When I refused, they threatened to mark my account as a refusal to pay and report this to the credit bureaus, even though the formal dispute had already been initiated. 

These actions comprise an unlawful attempt to intimidate me and violate my rights under the FDCPA, particularly the provisions that prevent debt XXXXollectors from taking adverse actions against a consumer without resolving a disputed debt. The collectors threat to report my account as a refusal to pay, despite my formal dispute, also violates my right to a fair debt resolution process and the protections afforded to me under 12 C.F.R. 1026.13 ( d ) ( 1 ) and 15 U.S. Code 1692e.

Moreover, I started receiving calls from this debt collector and, although I had been making regular payments, I realized that I had never received any statement balance or information on how much I owed or to whom I was making these payments. Concerned about this lack of transparency, I contacted the debt collector to inquire about the address where they had been sending my statements. To my shock, they informed me that they had just sent a statement to an address that was incorrectan address I have never lived at before. 

the debt collector has been sending mail containing my personal and financial information to the wrong address, despite me providing my correct address multiple times. This breach of cybersecurity is deeply concerning, as I do not know what sensitive information was included in the misdirected mail, and the agency has confirmed that they sent these communications to the incorrect addresses. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to ensure the security and confidentiality of consumer information, and this careless handling of my data is a clear violation of that law.

Furthermore, the debt collector provided misleading information regarding the reporting of my debt to the credit bureaus. Before this debt appeared on my credit report, I was never notified or informed that this would happen. I had been making regular payments to this collection agency, under the impression that doing so would prevent the debt from being reported to the credit bureaus. However, the debt suddenly appeared on my credit report without any prior notice. This constitutes a deceptive practice, as I was misled into believing that my payments would keep the debt off my credit report, which was not the case.

Under the FDCPA, 15 U.S. Code 1692e ( 10 ) prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The debt collectors failure to inform me that my debt would be reported to the credit bureaus despite my payments is a clear violation of this provision.

I request that Reliant Capital Solutions be investigated for these violations, and that all negative reporting associated with this account be removed from my credit report. Additionally, I seek assurance that the agency will cease any further collection efforts on this disputed debt until the matter is fully resolved.