Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX NC XXXX XXXX XXXX Date : XXXX To : Consumer Financial Protection Bureau Subject : Complaint Against Fairway Capital Recovery for Violations of Federal Regulations Dear CFPB, I am writing to file a formal complaint against Fairway Capital Recovery violating my consumer rights under federal laws. The company has engaged in the following actions that contravene my rights as a consumer : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Fairway Capital Recovery has not provided the legally required validation information for the alleged debt. Despite this failure, they have placed a collection on my consumer report, which is a clear violation of my rights. 
2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Fairway Capital Recovery has not afforded me the opportunity to dispute the alleged debt, as required by law. This omission demonstrates a disregard for my rights under federal regulations. 
3. False, Misleading, and Deceptive Practices : Fairway Capital Recovery has used false, misleading, and deceptive means to attempt to collect a debt, further violating my rights as a consumer. 
4. Unauthorized Reporting to Consumer Reporting Agencies ( 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) Fairway Capital Recovery has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. This action demonstrates their noncompliance with federal statutes. 
Dispute of Debt and Request for Information I am formally disputing owing any and all debts to Fairway Capital Recovery. Additionally, I hereby revoke all rights for the company to communicate with me through email, text, and phone calls. All further correspondence must be conducted via written communication sent to my mailing address. 
I am requesting the following information from Fairway Capital Recovery : 4. Validation Information : Proof of validation for the alleged debt as required by 12 CFR 1006.34 ( b ) ( 5 ). 
5. Purchase Agreement : A copy of the purchase agreement between them and the original creditor. 

Requested Resolution I request the CFPB to take the following actions : 5. Immediate Investigation : Investigate the violations of federal laws committed by Fairway Capital Recovery. 
6. Correction of Reporting : Ensure the company removes the collection account from my consumer report until they can provide all required validation information and comply with applicable laws. 
7. Compliance Enforcement : Compel the company to adhere to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 15 USC 1681e ( b ), and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 
8. Notification of Actions Taken : Notify me of the actions taken to address these violations and confirm the status of my complain. 
Thank you for your prompt attention to this matter. Please contact me if additional information or documentation is required. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation