Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Brock & Scott, PLLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Last four of SSN : XXXX Birthday : XX/XX/XXXX Brock & Scott , PLLC and Any Furnisher or Creditor Reporting This Account Ally financial- XXXX Brock & Scott , PLLC XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the alleged debt you are attempting to collect and/or report. I am also issuing a full Cease and Desist for all further contact except as allowed under 15 U.S.C. 1692c ( c ) ( FDCPA ).

1. FRAUDULENT DUAL REPORTING OF A S
INGLE DEBT Your records AND my credit report show two different entities claiming ownership of the same debtCitrus XXXX XXXX XXXX XXXX XXXX XXXX 
This is deceptive, unlawful, and a direct violation of : FCRA XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known to be false.

FCRA 15 U.S.C. 1681s-2 ( b ) : Requires reasonable investigation upon dispute.

FDCPA 15 U.S.C. 1692e : Prohibits false, misleading, or deceptive representations regarding a debt.

FDCPA 15 U.S.C. 1692f : Prohibits unfair or unconscionable collection practices.

If more than one creditor is reporting the same balance as if it is independently owed, then one or both parties are reporting inaccurate, false, misleading information, which is unlawful. 

XXXX. LEGAL CASES SUPPORTING MY POSITION Below are established court cases confirming that false, misleading, or duplicate reporting is actionable and illegal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The court held that any materially misleading representation in debt collection violates the FDCPA including misrepresenting the status or ownership of a debt. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) This case confirms that a furnisher XXXX be held liable under the FCRA for inaccurate or misleading reporting after becoming aware of a dispute. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The court ruled that furnishers violate FCRA when they fail to reasonably investigate disputed information, especially when the reporting is misleading or incomplete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) FCRA requires furnishers to implement procedures ensuring accuracynot estimates, not assumptions, and not duplications. 

Your dual reporting clearly violates these standards.

3. FORMAL REQUEST FOR VALIDATION ( FDCPA 1692g ( b ) ) You must provide full validation, including : 1. Signed contract bearing my signature 2. Full chain-of-title ( proof of ownership of the debt ) 3. Accounting ledger from DAY ONE to present 4. Proof of itemization, fees, interest, and payment history XXXX. Proof that XXXX XXXX XXXX XXXX legally acquired the debt XXXX. Proof that XXXX XXXX is not still reporting or claiming the same debt Failure to provide these documents means you are collecting without legal authority.

4. CEASE & DESIST Under 15 U.S.C. 1692c ( c ), you are hereby instructed to stop all contact with me immediately, including but not limited to : Phone calls Emails Letters Third-party communication Attempts to report, re-report, or verify inaccurate data to any credit bureau You may contact me ONLY to provide the required validation or to confirm the debt is closed, deleted, or not being pursued. 

XXXX. NOTIFICATION OF INTENT TO PURSUE DAMAGES If you continue reporting false information or fail to correct the inaccurate dual reporting, I will pursue full remedies entitled under FCRA and FDCPA, including statutory damages, actual damages, attorney fees, and court costs. 

I am giving you 15 days to respond with : Complete validation Proof of who legally owns the debt Written confirmation that all inaccurate/duplicate reporting has been deleted If you fail to comply, I will file complaints with : CFPB FTC State Attorney General Private legal counsel Your firm is now on notice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation