Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: WY

Complaint narrative:
I dispute HP Sears right to collect and the accuracy of what they are reporting. Their conduct violates the FDCPA ( 1692c, 1692e, 1692g ), FCRA ( 1681s-2 ), and likely TCPA ( XXXX27 ). Below is a precise timeline with contradictions they must address. 


Timeline & Facts XX/XX/XXXX HP Sears furnished a collection tradeline tied to XXXX XXXX XXXX XXXX Some bureau views list HP Sears as XXXX, others list XXXX. 
XX/XX/XXXX First email ( initial communication ) lacked required FDCPA 1692g ( a ) disclosures. 
XX/XX/XXXXXXXX XXXX XXXXXXXX ( short code XXXX ) lacked complete XXXX disclosure ( 1692e ( 11 ) ). 
XX/XX/XXXX ( and/or XX/XX/XXXX ) Validation emails sent weeks late, beyond the XXXX-day 1692g ( a ) deadline, after collection began. 
XX/XX/XXXX XXXX XXXX PT & XX/XX/XXXXXXXX XXXX XXXX PT Emails sent after XXXXXXXX XXXX  MT, violating 1692c ( a ) ( 1 ). 
Ongoing Conflicting XXXX identities, no chain of assignment, and automated outreach with no proof of consent. 


Violations 1. Untimely/Defective Validation No compliant notice within 5 days of XX/XX/XXXX ; later validation came weeks late, with continued collection beforehand ( 1692g ( b ) ).

2. After-Hours Contact Emails sent past XXXXXXXX XXXX MT on XX/XX/XXXX & XX/XX/XXXX ( 1692c ( a ) ( 1 ) ). 
XXXX. False/Deceptive Representations Conflicting OC identity ( HP Sears vs. XXXX ) ( 1692e ).

4. Inaccurate/Conflicting Credit Reporting Furnished materially inconsistent and contradictory data to XXXX XXXX XXXX XXXX, violating FCRA 1681s-2 ( a ) and XXXX XXXX standards : Different Date Opened ( XX/XX/XXXX vs XX/XX/XXXX ) Different Account Types ( Collection vs Open Account ) Missing or blank Monthly Payment, Terms, and Past Due fields Contradictory Date of Last Activity entries, potentially re-aging the account ( 605 ( c ) ) Inconsistent Status Descriptions ( Placed for Collection vs blank ) These contradictions materially affect credit scores and indicate unreliable furnishing deletion is warranted over correction. 
5. Automation/Consent Issues Automated texts via short code without documented, specific SMS consent ( TCPA 227 ).

6. No Chain of Assignment No Bill of Sale, Forward Flow Agreement, servicing contract, or notice of assignment provided.

Key Questions Who is the actual OC?

Where is the chain of title? Produce the Bill ( s ) of Sale, Forward Flow/servicing agreements, and the XXXX ( a ) notice sent within 5 days of XX/XX/XXXX. 
Why were emails sent after XXXXXXXX XXXX  MT? 
What is the legal basis for automated textsproduce the express consent record. 
Explain the investigation into conflicting XXXX XXXXentities and contradictory bureau data. 


Evidence Available Initial email ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe validation emails ( XX/XX/XXXX & XX/XX/XXXX ) After-hours email screenshots ( XX/XX/XXXX & XX/XX/XXXX ) CRA screenshots showing conflicting XXXX identities and inconsistent furnishing I do not admit liability or the accuracy of any amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation