Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP (CA)

I XXXX a federally protected consumer does not owe this alleged debt, I have no contract with this debt collector, further more they are in violation of the FDCPA 15 united states code 1692c- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Violation # 2-15 U.S. Code 1692b - Acquisition of location information- ( Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; I am also seeking a validation notice with full disclosure of all original documents with my wet signature, ( no copies and no statements ). Please send me any original documents I have with your company containing my wet signature. 

please provide me proof of how you came to the amount allegedly owed on this alleged debt, please provide proof that the is mine, and please provide me with full details of proof that this is my actual debt, I want names, witness, phone numbers, of anyone you spoke to and tell me in detail your method of verification. I need all original copies of any wet signatures and not copies of anything. 


The Fair Credit Reporting Act ( FCRA ), outlined in 15 USC 1681 section 602a, emphasizes the importance of consumer reporting agencies operating with fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which mandates financial institutions to uphold customer privacy and confidentiality. The entities furnishing information to credit agencies, including XXXX and XXXX, fall under this definition of financial institutions. 

According to 15 USC 1681 section 604a, consumer reporting agencies can only furnish consumer reports based on explicit written instructions from the concerned individual. Neither the financial institution nor XXXX and XXXX have obtained my consent to share this information, thus rendering any purported consent, whether verbal, non-verbal, written, or implied, null and void. Furthermore, 15 USC 6802b ( c ) mandates that financial institutions must inform consumers of their right to opt out of information disclosure, a requirement that has not been fulfilled. 

The FCRA also prohibits consumer reporting agencies from including adverse information in reports without authorization, as stipulated in 15 USC 1681C ( a ) ( 5 ). Yet, XXXX and XXXX are reporting adverse items without my permission, a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, while 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations. 

XXXX and XXXX 's failure to uphold these standards constitutes a breach of consumer trust and regulatory compliance. Moreover, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of XXXX and XXXX 's reporting services.