Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
b'Formal Complaint Statement for CFPB / FTC / Attorney General\n\nSubject:\nFDCPA Violations  Harassment and Failure to Validate Debt by \n\nFormal Complaint Statement for CFPB / FTC / Attorney General\n\nSubject:\nFDCPA Violations  Harassment and Failure to Validate Debt by \\[Law Firm Name]\n\nTo Whom It May Concern,\n\nI am filing this formal complaint against **\\[Law Firm Name]** for violating my rights under the **Fair Debt Collection Practices Act (FDCPA)**  specifically under **15 U.S. Code  1692g** and **15 U.S. Code  1692c**.\n\n1. **Failure to Validate Debt  15 U.S. Code  1692g**\n\nThe firm has contacted me attempting to collect an alleged debt but has **failed to provide any legally required validation** of the debt. Despite my request, they have not:\n\n* Provided the amount of the debt;\n* Identified the original creditor;\n* Provided verification or any supporting documentation proving their right to collect;\n* Honored the 30-day dispute and verification window as required by law.\n\nThey are continuing collection activities **without first validating the debt**, which is a direct violation of federal law.\n\n2. **Harassment and Unlawful Communication  15 U.S. Code  1692c**\n\nThe firm has also engaged in **harassing and coercive communication**, including:\n\n* Contacting me at inappropriate times;\n* Ignoring my request for no further communication;\n* Using aggressive, misleading, or intimidating language;\n* Attempting to pressure me into payment without proof or explanation.\n\nTheir continued communication after being notified in writing to stop is **not only unlawful but intentional**, and it demonstrates a blatant disregard for consumer protections under federal law.\n\n3. **Requested Resolution**\n\nI am requesting that:\n\n* This law firm be **investigated** for FDCPA violations;\n* They be ordered to **cease all collection efforts** until they comply with federal validation procedures;\n* They be penalized for their harassment and non-compliance, and prevented from reporting inaccurate or unvalidated debt to credit bureaus;\n* My rights under federal and state consumer protection laws be upheld and enforced.\n\nI am also prepared to take **legal action** to seek damages and hold the firm accountable under the FDCPA if this matter is not resolved immediately.\n\nThank you for your attention to this serious issue.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern,\n\nI am filing this formal complaint against **\\[Law Firm Name]** for violating my rights under the **Fair Debt Collection Practices Act (FDCPA)**  specifically under **15 U.S. Code  1692g** and **15 U.S. Code  1692c**.\n\n1. **Failure to Validate Debt  15 U.S. Code  1692g**\n\nThe firm has contacted me attempting to collect an alleged debt but has **failed to provide any legally required validation** of the debt. Despite my request, they have not:\n\n* Provided the amount of the debt;\n* Identified the original creditor;\n* Provided verification or any supporting documentation proving their right to collect;\n* Honored the 30-day dispute and verification window as required by law.\n\nThey are continuing collection activities **without first validating the debt**, which is a direct violation of federal law.\n\n2. **Harassment and Unlawful Communication  15 U.S. Code  1692c**\n\nThe firm has also engaged in **harassing and coercive communication**, including:\n\n* Contacting me at inappropriate times;\n* Ignoring my request for no further communication;\n* Using aggressive, misleading, or intimidating language;\n* Attempting to pressure me into payment without proof or explanation.\n\nTheir continued communication after being notified in writing to stop is **not only unlawful but intentional**, and it demonstrates a blatant disregard for consumer protections under federal law.\n\n3. **Requested Resolution**\n\nI am requesting that:\n\n* This law firm be **investigated** for FDCPA violations;\n* They be ordered to **cease all collection efforts** until they comply with federal validation procedures;\n* They be penalized for their harassment and non-compliance, and prevented from reporting inaccurate or unvalidated debt to credit bureaus;\n* My rights under federal and state consumer protection laws be upheld and enforced.\n\nI am also prepared to take **legal action** to seek damages and hold the firm accountable under the FDCPA if this matter is not resolved immediately.\n\nThank you for your attention to this serious issue.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation