Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Perpay, Inc.
State: TN

Complaint narrative:
I am submitting this formal complaint and demand for investigation against Perpay Inc., a retail financing platform. I believe Perpay is in violation of multiple federal statutes in relation to its refusal to honor a valid product warranty and continued harassment for a disputed {$100.00} balance. 
In XXXX XXXX XXXX XXXX XXXX television from Perpay through its online financing service. The product was received and used under regular consumer conditions. Within the first yearwell within the manufacturers warranty periodthe television began malfunctioning. Despite repeated attempts to contact Perpay regarding warranty coverage, they refused to provide any assistance, replacement, or remedy for the defective product.

To make matters worse, Perpay has continued to pursue and harass me for a {$100.00} outstanding balance related to this purchase. These actions are in direct violation of several consumer protection laws, including : - The XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which requires warrantors and sellers of consumer products to comply with their written warranties and provide consumers with remedies for defective goods. 
- The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 16921692p ), which prohibits deceptive, unfair, and abusive debt collection practices, including the pursuit of illegitimate debts and continued harassment.

- The Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ), which protects consumers against unfair billing practices and provides a mechanism to dispute unauthorized charges for goods or services not received or accepted.

- The Consumer Financial Protection Act ( Title X of the Dodd-Frank Act, 12 U.S.C. 5531 ), which prohibits any covered person or service provider from engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ).

I dispute the validity of the {$100.00} balance and assert that Perpays failure to provide warranty assistance or proper resolution constitutes an unfair and deceptive practice under the law. I am requesting that the CFPB conduct a formal investigation into Perpays practices and hold them accountable for their continued noncompliance with federal consumer protections.

In addition, I request that the CFPB direct Perpay to : 1. Cease all collection activity and remove the disputed {$130.00} from their books ; 2. Provide confirmation that no adverse credit action will be reported or has been reported in relation to this dispute ; 3. Immediately comply with the product warranty, including full replacement or refund of the defective XXXX television ; XXXX. Implement compliance procedures to ensure all future consumer warranty issues are addressed in accordance with federal law. 
I have attached copies of my purchase records, written warranty documentation, and relevant communications with Perpay for your review.

Thank you for your attention to this matter. I am prepared to cooperate fully with your office to ensure consumer protections are enforced.

Company response to consumer: Closed with explanation