Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Borenstein & Associates, LLC (CO)

The original contractor has attempted to collect final payment on a job that was not completed to code on multiple occasions via multiple firms. Please see communication string below for additional detail. 
-- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Subject : XXXX This email will serve notice to Borenstein & Associates , LLC to cease and XXXX XXXX XXXX activity on behalf of XXXX XXXX XXXX XXXX and/or any other interested parties for the Home Improvement Agreement dated XX/XX/XXXX. 


The material breach of contract by XXXX XXXX XXXX XXXXXXXX outlined below has still not addressed the code violation nor provided a copy of the building permit for this work showing it has passed inspection. 


The agreement was terminated in accordance with the Termination clause of the agreement. 

XXXX XXXXXXXX XXXX XXXXXXXX committed a material breach of the Contract and failed to correct the breach of the contract within ten ( 10 ) days notice of the breach. XXXX XXXX XXXX repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] C101.2 - Stud Cutting and Notching. XXXX XXXXXXXX XXXX XXXXXXXX cut studs to a depth greater than 40 percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition. 


Should Borenstein & Associates , LLC not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXT Subject : Reference : XXXX This email will serve notice to XXXX XXXX XXXXXXXX XXXX to cease and desist all collections activity on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for the Home Improvement Agreement dated XX/XX/XXXX. 


The material breach of contract by XXXX XXXXXXXX XXXX XXXXXXXX outlined below has still not addressed the code violation nor provided a copy of the building permit for this work showing it has passed inspection. 


The agreement was terminated in accordance with the Termination clause of the agreement. 

XXXX XXXX Renovations, XXXX committed a material breach of the XXXX and failed to correct the breach of the contract within XXXX ( XXXX ) days notice of the breach. Bright Light Renovations repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] XXXX - Stud Cutting and Notching. XXXX XXXX Renovations, XXXX cut studs to a depth greater than XXXX percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition. 


XXXX XXXX XXXX XXXX, XXXX. not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Date : XX/XX/XXXX XXXX AM MST Subject : Reference # : XXXX This email will serve notice to XXXX XXXX XXXX XXXX XXXX XXXX to cease and desist all collections activity on behalf of XXXX XXXX Renovations, XXXX for the XXXX XXXX XXXX dated XX/XX/XXXX. 

The agreement was terminated in accordance with the Termination clause of the agreement. 

XXXX XXXX Renovations, XXXX committed a material breach of the XXXX and failed to correct the breach of the contract within XXXX ( XXXX ) days notice of the breach. Bright Light Renovations repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] XXXX - Stud Cutting and Notching. XXXX XXXX Renovations, XXXX cut studs to a depth greater than XXXX percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CO XXXX