Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC (GA)

WayPoint Resource Group Subject : Dispute of Unverified Collection Account - Waypoint Resource Group Dear WayPoint, I am writing to dispute the collection account listed under my credit report as reported by Waypoint Resource Group, with the original creditor being XXXXt Communications. This account does not belong to me, and I have not been notified or verified regarding this account by either Waypoint Resource Group or XXXX XXXX. 

Below are the specific details of the disputed account : * Original Creditor : XXXX XXXX * Account Name : Waypoint Resource Group * Account Number : XXXX * Amount : {$150.00} * Date Opened : XX/XX/XXXX * Status : Collection account, {$150.00} past due as of XX/XX/XXXX * Balance : {$150.00} ( updated XX/XX/XXXX ) According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate or unverified information on my credit report. Moreover, under Georgia state laws, such as the Georgia Fair Business Practices Act ( FBPA ), and relevant case law, I am entitled to accurate and fair reporting of my credit information. Below a

re the pertinent laws and case references : Fair Credit Reporting Act ( FCRA ) * 15 U.S.C. 1681i ( a ) : Requires credit reporting agencies to investigate disputes and correct any inaccuracies found.

* 15 U.S.C. 1681s-2 ( b ) : Mandates furnishers of information to verify the accuracy of reported information when a dispute is received.

Fair Debt Collection Practices Act ( FDCPA ) * 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in connection with the collection of any debt.

* 15 U.S.C. 1692g : Requires debt collectors to validate the debt and provide verification to the consumer upon request. 

Georgia State Laws * Georgia Fair Business Practices Act ( FBPA ) 10-1-390 et seq. : Protects consumers from unfair or deceptive business practices.

* Georgia Code 16-9-120 et seq. : Addresses identity fraud and unauthorized use of personal information. 

Relevant Case Law * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Emphasized the importance of credit reporting agencies obligations under the FCRA to ensure accuracy. 
* XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. Mich. XXXX ) : Highlighted consumers rights to dispute inaccurate information and the agencies responsibility to investigate. 

Based on these laws and case precedents, I request the immediate removal of the erroneous collection account from my credit report. I have never had an account with XXXX XXXX, nor have I received any verification or notification regarding this alleged debt from Waypoint Resource Group. 
Please conduct a thorough investigation and provide me with the results. Additionally, please provide written confirmation of the removal of this account from my credit report. 

If this matter is not resolved promptly, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney General 's Office. 
I look forward to your prompt attention to this matter. Please contact me at XXXX if you require any additional information to facilitate your investigation. 

Sincerely,