Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding repeated collection activity and inaccurate credit furnishing associated with an alleged XXXX XXXX XXXX account originally issued by ThXXXX XXXX XXXX XXXXXXXX and later associated with Galaxy International Purchasing , LLC. Over the course of several years, multiple third-party debt collectors including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have contacted me through repeated texts, emails, and collection communications regarding this same alleged debt. The alleged balance has been reported inconsistently, including balances of {$910.00} and {$910.00}. I have also received conflicting and changing information regarding ownership and collection authority for this account. I have preserved records showing the account was allegedly sold or transferred in XXXX, followed by collection activity from multiple separate companies in XXXX and beyond. Despite the age of the alleged debt and years of prior collection attempts, a fresh collection tradeline suddenly appeared on my XXXX credit report in XXXX, causing damage to my credit profile and negatively impacting my ability to obtain mortgage financing as a veteran preparing to relocate my family. I requested that collection communications stop and explicitly opted out of text communications by replying STOP. I have records showing the company acknowledged my opt-out request. Despite this, collection activity continued through additional communications and continued furnishing of the collection account. I also have concerns regarding improper third-party communications because my wife was contacted in connection with this alleged debt. To date, I have not been provided complete validation sufficient to verify the accuracy and lawful furnishing of this account. I dispute the accuracy of the reporting and request that the company provide the following : * Complete chain of title and assignment documentation from XXXX XXXX XXXX XXXX through Galaxy International Purchasing , LLC and any subsequent collection agencies or servicers. * The original signed agreement or application associated with the account. * A complete payment history and accounting of the alleged balance. * Documentation establishing the correct original date of first delinquency used for credit reporting purposes. * Documentation showing the company conducted a reasonable investigation before furnishing this collection account to consumer reporting agencies. Given the inconsistent balances, multiple collectors, continued collection activity after opt-out requests, and the appearance of a newly furnished collection account years after prior collection attempts, I believe this matter requires a thorough investigation for compliance with the Fair Debt Collection Practices Act and Fair Credit Reporting Act. I request correction or deletion of any inaccurate information being furnished to consumer reporting agencies and that all collection activity fully comply with federal consumer protection laws.

Company response to consumer: Closed with explanation