Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint concerns ongoing attempts by a third-party servicer and/or debt collector, identified as First American, to collect and/or facilitate collection of a debt that is actively disputed, lacks proper validation, and appears not to be legally enforceable. The underlying account originates from a timeshare financing transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Following default, a Notice of Default and Intent to XXXX was issued. That notice expressly indicated that if no objection was submitted, the matter would proceed through a non-judicial trustee foreclosure process and that no deficiency judgment would be pursued against the borrower. I did not submit any objection to the trustee foreclosure process. Accordingly, the matter proceeded through non-judicial foreclosure, and the collateral interest was repossessed through that process. Despite this, the account has continued to be treated as an active obligation, and collection-related activity has persisted through XXXX XXXX, including the entity identified as First American. Additionally, negative information has been reported to consumer reporting agencies reflecting an outstanding balance and ongoing delinquency. I have formally disputed this debt and requested validation, including : * The original signed agreement * A complete payment history * An itemized accounting of the alleged balance * Documentation supporting the legal enforceability of any remaining obligation following foreclosure These requests have not been adequately fulfilled. No sufficient documentation has been provided demonstrating that any alleged balance remains legally collectible after completion of the trustee foreclosure process. The continued attempt to collect, enforce, or report this alleged obligation under these circumstances raises serious concerns regarding compliance with applicable federal consumer protection laws, including the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). What would be a fair resolution? A fair resolution would include : XXXX. Immediate cessation of all collection activity related to the alleged debt ; XXXX. Written confirmation that no deficiency balance is owed or enforceable following the trustee foreclosure process ; XXXX. Deletion of any negative credit reporting associated with this account that does not accurately reflect its true legal status ; XXXX. Full validation of the debt, if the company contends that any balance remains due, including documentation supporting its legal enforceability after foreclosure ; and XXXX. Identification of all entities involved in servicing, foreclosure, or collection activity related to this account. This matter is also subject to related disputes with consumer reporting agencies and prior regulatory complaints. I am seeking a full and accurate resolution based on the actual legal status of the account, rather than unsupported or inconsistent reporting and collection activity.

Company response to consumer: Closed with explanation