Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Stenger & Stenger, P.C
State: KY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint regarding debt collection activity involving XXXX XXXX XXXX, XXXX XXXXrelated entities , and/or any servicer, law firm, collection agency, or agent acting on their behalf. I recently received a debt collection communication claiming that a lawsuit had been filed against me. The communication referenced : XXXX XXXX XXXX XXXX XXXX XXXX Alleged Case No. : XXXX Collector XXXX XXXX. : XXXX Alleged former XXXX XXXX XXXX XXXX account ending in XXXX As of the date of this complaint, I have not been served with any lawsuit, summons, complaint, or official court paperwork regarding this alleged matter. I dispute the debt, the amount claimed, the ownership of the account, and the authority of any party attempting to collect. My concern is that the collector represented that a lawsuit had been filed against me without providing proof of filing, proof of service, a copy of the complaint, a summons, or any court documentation. If no lawsuit has actually been filed, I believe this statement may be false, deceptive, misleading, or coercive. I am also concerned that the alleged account may have been sold, transferred, or assigned through one or more debt buyers without proper documentation being provided to me. I have not been provided a complete chain of title, bill of sale, assignment history, itemized balance, original agreement, payment history, or proof that the company attempting to collect has legal authority to collect this specific alleged debt. I request that the CFPB require the company and any related collector to provide : Proof that the alleged lawsuit exists, including the court name, filing date, complaint, summons, and service information ; Proof that I was legally served, if they claim service occurred ; A copy of the original signed agreement or contract ; The full name and address of the original creditor ; A complete itemized balance showing principal, interest, fees, court costs, attorney fees, and any other charges ; A complete payment history ; The alleged date of default and date of last payment ; Proof that XXXX XXXX XXXX, XXXX XXXX, or any related company legally owns this specific account ; The complete chain of assignment, bill of sale, or transfer history from the original creditor to the current claimant ; Proof that any collector, servicer, or law firm involved is authorized and legally permitted to collect this alleged debt. I also request that the CFPB review whether the companys communication violated the Fair Debt Collection Practices Act, Regulation F, the Consumer Financial Protection Act, or any applicable consent order, enforcement order, restriction, or legal requirement. I am requesting the following resolution : Immediate validation and verification of the alleged debt ; Written proof of any lawsuit they claim was filed ; Written proof of service if they claim I was served ; Correction or withdrawal of any false or misleading statement that a lawsuit exists if no lawsuit was actually filed ; Suspension of collection activity until the debt is properly validated ; Deletion or correction of any inaccurate credit reporting related to this disputed account ; Written confirmation that the company has reviewed the matter and corrected any violations. I do not admit liability for this alleged debt. I dispute the debt, the amount, the ownership, and the collectors authority. I reserve all rights, defenses, claims, objections, and remedies available under federal law, state law, and court rules. Documents I can provide include : Screenshot or copy of the collection email ; Any collection letters, emails, texts, or voicemails ; Any credit report entries from XXXX, XXXX, XXXX, or related companies ; Any court search results showing whether Case No. XXXX exists ; Any prior dispute or validation letters I have sent.

Company response to consumer: Closed with explanation