Consumer complaint received 2023-10-16
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Pendrick Capital Partners (FL)

I have stuck by the law in every way dealing with a this issue that i just found out that Pendrick Capital Partners was the actual head of this snake with my issue that i already have handled by law. For that sake that i just found out that they where the original creditors i am giving them the opportunity for them to delete these debts that i already have proved in CFPB Complaint ID XXXX of how many different times they have broke in violated the Laws that Protect me and for a very good reason this being one of them. I am done wasting anymore of my time because with this being the last time before i take the legal actions that are necessary. I will attach a copied of the complaint that i just copied and pasted to a word document because your company can look up the Complaint ID with all the attachments and evidence i provided already. I apologize for being a little frustrated as I have Proved everything with solid evidence already. Here is the complaint so your company gets some details which you can look at all the evidence i provided on the CFPB website. 
Less than a year ago, I obtained my first secured credit card to establish my credit history. In doing so, I got my credit to start to rise. You will see me only doing positive actions to build my credit up. Until, I noticed a sudden drop in my credit score and was startled to see that there were two alleged debts on my XXXX XXXX report. With the company named " XXXX XXXX XXXX '' which it says it was reported on XX/XX/XXXX. These alleged debts were supposedly owed to XXXX XXXX XXXX XXXX XXXX for {$2000.00} and XXXX XXXX XXXX XXXX XXXX  for {$1600.00}. Which it states that " XXXX XXXX XXXX '' had these 2 alleged debts opened since XXXX XXXX, XXXX ( XXXX mos ). I will provide the screenshot of that. Which I never have heard of any of those companies or any alleged debts. The very first time I ever even saw or found out about them where off my app. I never received phone calls or mail to my address ( which is public info ). As a responsible consumer, I did research and took immediate action by requesting a validation letter from " XXXX XXXX XXXX '' on XX/XX/XXXX. This request was made to ensure the legitimacy of the alleged debts. Incredibly, within approximately 30 days of this request, the derogatory marks associated with these alleged debts were removed from my credit report, resulting in an improvement to my credit score.This situation led me to believe that the matter was resolved, as the alleged debts were removed following my request for validation. ( Which they never Validated ) However, my credit score recently dropped XXXX & XXXX once again in early XX/XX/XXXX. When i looked what was going on. I discovered that the very same alleged debts, which I had previously successfully disputed and had removed from my credit report, had reappeared under the name " XXXX XXXX. '' These entries were reported on XX/XX/XXXX, and the screenshot will show it has been opened since XX/XX/XXXX, and corresponded to the exact amounts and creditors as mentioned earlier.I firmly believe that these actions by the debt collection entities constitute clear violations of consumer protection laws, including but not limited to : 1.Fair Debt Collection Practices Act ( FDCPA ) : Failure to provide a debt validation letter upon request, violating my right to dispute and validate alleged debts. -Reporting unvalidated debts to major credit bureaus, resulting in damage to my credit history and score. -Failure to contact me within XXXX days of acquiring the alleged debts, as required by the FDCPA. 2.Health Insurance Portability and Accountability Act ( HIPAA ) : -Improper sharing of medical information, as the alleged debts were related to XXXX XXXX provided by the creditors. 3.Consumer Financial Protection Bureau ( CFPB ) Regulations : -Unlawful reporting of unverified debts to credit bureaus. -Failure to comply with proper debt collection procedures as outlined by the CFPB XXXX And now, the section 5 of the Federal Trade Act for my understanding. In light of these violations, I am making this formal complaint. I have screenshots off my credit karma which will show all dates my scores went up and went down. Also, it will show that this " XXXX XXXX XXXX '' with the details and prices of the alleged debts. Then the screenshots of those debts being off my credit. Then the screenshots of now this new company " XXXX XXXX '' with these same amounts of alleged debts and details. Which again, I had to find out by my credit app. I also will attach the request of validation letter I sent to XXXX XXXX XXXX. So, I will upload or attach all documents that shows any evidence. Which you will get a more clear picture of what a negative impact this situation is doing to my credit twice now, and to me when I was trying to resolve the issue properly. Thank you, I hope now uploading what I need to wont be a issue. Well get it handled XXXX way or other. In all the attachments, they might seem like certain ones dont show evidence but look closely at dates and everything and you will be able to add up all the evidence. It will show XXXX XXXX XXXX had the same alleged debt posted, then the letter i wrote them, them no validating it, then it getting off my credit, then this other XXXX XXXX went after I got that alleged debt off and gave them a chance to validate it. Which they did nothing but did take it off my credit. Then it will show XXXX XXXX with the same alleged debts and details ( companies and amounts, ect. ). Thanks That was the complaint. I hope your company takes this matter serious and looks at the complaint to see all attached evidence to prove all of it. I will attach a few things But that original complaint took me a very long time to get everything perfect which i will take the time to get it right if i do have to make the proper legal actions against your company. Hopefully it does not come to that. I thank you for your time.