Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Federal Trade Commission Toll-free XXXX XXXX XXXX ) XXXX Report Fraud Online : https : //reportfraud.ftc.gov/ # /? XXXX Re : Formal Complaint FDCPA Violations by XXXX XXXX XXXX XXXX XXXX XXXX and Hayt , Hayt & Landau , P.L . Dear Federal Trade Commission, My name is XXXX XXXX XXXX, and I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX and Hayt , Hayt & Landau , P.L . for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ). Respondents : XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Illinois XXXX Hayt , Hayt & Landau , P.L . | XXXX N.W. XXXX XXXX., XXXX XXXX, XXXX XXXX, FL XXXX Account Number : # XXXX | Original Creditor : XXXX XXXX XXXX ( charged off XX/XX/XXXX ) Chronological Summary of Violations : XXXX : Submitted formal debt validation request to XXXX XXXX XXXX XXXX XXXX XXXX received only payment history, not proper validation XXXX : Filed complaint with Consumer Financial Protection Bureau ( CFPB ) agency still failed to properly validate XXXX & XX/XX/XXXX : Sent Cease and Desist letters to XXXX XXXX XXXX XXXX XXXX XXXX via certified mail XX/XX/XXXX : Filed dispute with XXXX account updated XX/XX/XXXX but continues reporting negatively XX/XX/XXXX : Filed complaint with Florida Attorney General 's Office XX/XX/XXXX : Received collection letter from Hayt , Hayt & Landau , P.L . on the same unvalidated debt XX/XX/XXXX : Sent certified debt validation request to Hayt , Hayt & Landau , P.L . XX/XX/XXXX : Firm continues collection activity without providing proper validation Specific FDCPA Violations : Failure to properly validate debt upon written request 15 U.S.C. 1692g Continued collection activity after Cease and Desist 15 U.S.C. 1692c False or misleading representations in collection 15 U.S.C. 1692e Unfair collection practices 15 U.S.C. 1692f Continued negative credit reporting on unvalidated debt FCRA violation Transferring unvalidated debt to attorney firm for collection without proper assignment documentation Supporting Documentation Available : Debt validation requests and insufficient responses Cease and Desist letters with certified mail receipts Certified letter to Hayt , Hayt & Landau , P.L . dated XX/XX/XXXX CFPB complaint confirmation Florida Attorney General complaint filed XX/XX/XXXX Experian credit report showing continued negative reporting I respectfully request that the FTC investigate these violations and take appropriate enforcement action against both XXXX XXXX XXXX XXXX XXXX XXXX and Hayt , Hayt & Landau , P.L . I am prepared to provide all supporting documentation upon request. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

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