Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Forster & Garbus LLP (FL)

XX/XX/2019, My ex wife and I was going through a very difficult divorce and we decided to sell our house and use the funds from equity and start over. The house was in my name so I started the process with a realtor and had the property on the market. I decide to start over my life in XXXX, XXXX. I started looking for housing and a new job, I found a realtor in XXXX, XXXX  in the middle of XXXX. I explained to her that I would love to sell this property and use the proceeds to purchase a house in XXXX. She was able to get me into an agreement for a property for {$190000.00} in XXXX, XXXX. I also had a position for a new job lined up with XXXX XXXX making {$20.00} an hour, for when my property sold and I made my transition. During the end of the selling process, I got a call from my realtor in XXXX. She stated during the title search they found a lien on the house from Forster & Garbus LLP. I reached out to Forster and Garbus right away to find out what this was about. When I reached out to Forster & Garbus LLP, they were claiming defaming and hurtful things about me and towards me. This was making a very hard and hurtful situation even worst. They forced me into a contract to pay them {$25000.00} of a {$38000.00} alleged debt. They sent my lawyer a contract on XX/XX/2019 at XXXX, this was to lift the lien on the property so that I could sell the property. I sent a debt validation to no avail, they never supplied sufficient information to my lawyer or myself, in order to validate the debt. But I forced to pay to finalizing the deal. Because they took what wouldve be my portion of the equity, I no longer had my funds for the down payment and closing cost. I also lost out of the new job opportunity. I do not agree with their actions, I have challenge the accuracy and integrity of the information 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ). Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and 12 CFR 1006.2 ( ithat a debt collector is any person who uses any instrumentality of interstate commerce or mail in any business the principal purpose of which is the collection of debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due, to another. 

12 CFR 1006.18 ( b ) ( iiiAny individual is an attorney or that any communication is from an attorney.

12 CFR 1006.22 ( a ) ( b In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.