Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Meridian Financial Services for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed a written debt validation request to Meridian Financial Services disputing the alleged debt and requesting full validation under FDCPA 15 U.S.C. 1692g ( b ).

USPS tracking confirms that Meridian received my letter on XX/XX/year> at the updated mailing address I provided. 

Despite receiving my written dispute and validation request, Meridian has not provided any written validation or verification for the alleged debt.

Instead of supplying validation, Meridian continued collection activity by calling me and leaving voicemails after receiving my dispute letter. This is a direct violation of FDCPA 1692g ( b ), which requires a debt collector to cease all collection activity until validation is mailed to the consumer.

In addition, Meridian has reported two separate tradelines on my credit report for what appears to be the same vacation club account : One tradeline showing a balance of approximately {$15000.00} A second tradeline showing a balance of approximately {$1100.00} Both amounts are extremely inflated and inaccurate. I had already paid approximately half of the original vacation club membership balance, yet Meridian is reporting amounts that exceed the original contract by more than {$6000.00} with no explanation or documentation.

Furthermore : I never provided my Social Security number to the original creditor or to Meridian.

The original contract does not authorize credit reporting or furnishing information to consumer reporting agencies. 
These issues raise serious concerns regarding improper data matching, privacy violations, and the accuracy of the reporting.

It has now been over six weeks since Meridian received my validation request, and I have received nothing in writing from them. Despite failing to validate the debt, Meridian continues to furnish these unverified, inaccurate, inflated, and duplicated tradelines to the credit bureaus and continues collection attempts.

I am requesting the CFPB to : Require Meridian to provide full written validation for both reported tradelines or immediately delete both tradelines from all credit bureaus.

Investigate Meridians reporting of two inflated and inaccurate tradelines for the same alleged account.

Address Meridians unlawful collection activity after receiving a written validation request.

Require Meridian to cease all communication unless providing full legal validation.

Meridian is reporting unverified, inaccurate, inflated, and duplicate information, failed to validate the debt, and continued collection activity in violation of federal law. I am requesting enforcement action and full deletion of both tradelines from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation