Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Dispute of All Debts and Revocation of Contact Rights Dear CFPB, I am filing this formal complaint against XXXX, XXXX, and XXXX, as well as the following creditors and collection agencies listed on my credit reports : XXXX. XXXX XXXX XXXX XXXX. Prestige Financial Services XXXX. XXXX and XXXX I believe these companies have violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate, incomplete, and unverifiable information. 

Background Information My name is XXXX XXXX. XXXX, and I have attached copies of my most recent three-bureau credit report dated XX/XX/year>, as well as prior reports from XX/XX/year>. These reports show a series of derogatory accounts, disputed debts, and contact violations that require urgent investigation. 

I have no recollection of authorizing the reported debts, and I have not received adequate validation to support these claims. Despite previous disputes, the errors remain unresolved. I have listed specific accounts and violations below to ensure thorough review. 

Disputed Accounts and Violations XXXX. XXXX XXXX XXXX Account # XXXX ( XXXX XXXX ) Status : Collection Account with a balance of {$360.00}. 
Issue : No proper validation of the debt has been provided, and it continues to appear across all three bureaus. This violates 15 U.S.C. 1681s-2 of the FCRA and 15 U.S.C. 1692g under FDCPA.

Request : Immediate validation or deletion. 
XXXX. XXXX XXXX XXXX  Account # XXXX Status : Charged-Off / Derogatory with a balance of {$8600.00}. 
Issue : The account reflects outdated, unverifiable data and improper charge-offs without evidence of ownership. It also shows different balances across bureaus, indicating errors in reporting. 
Request : Remove all adverse information and confirm compliance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 
XXXX. XXXXXXXX XXXX XXXX Account # XXXX ( XXXX XXXX ) Status : Collection Account with a balance of {$110.00}. 
Issue : The account was placed in collections without prior notice or validation, violating 15 U.S.C. 1692g.

Request : Provide proof of debt ownership or delete the entry. 

Violations and Concerns XXXX. Failure to Maintain Accurate Information ( 15 U.S.C. 1681e ( b ) ) : Multiple versions of my name and outdated addresses across the three bureaus create inaccuracies that damage my creditworthiness.

2. Failure to Verify and Validate Debts ( 15 U.S.C. 1681s-2, 1681i ) : The creditors and credit bureaus failed to verify the legitimacy of reported debts upon dispute, as required by law.

3. Excessive Reporting of Negative Accounts ( 15 U.S.C. 1681c ) : Adverse information, including the Prestige Financial Services account, may exceed the 7-year reporting limit, violating time-barred reporting laws. 
XXXX. Unlawful Communication Practices ( 15 U.S.C. 1692c ) : Repeated phone calls, texts, and emails from creditors and collectors violate my right to privacy.

Formal Demand to Cease and Desist Contact Effective immediately, I revoke my consent for any creditor, collection agency, or affiliate to contact me via : Phone calls Text messages Emails This revocation is enforced under 15 U.S.C. 1692c ( c ) of the FDCPA. All communication must occur through written letters sent via postal mail only.

Requested Actions 1. Investigation and Verification : Conduct a full investigation into each disputed account as required by 15 U.S.C. 1681i. 
2. Removal of Unverifiable Information : Remove all debts and negative marks that can not be verified or do not comply with FCRA and FDCPA standards.

3. Cease and Desist Contact : Enforce my request to cease all electronic and verbal communication immediately.

4. Provide Updated Reports : Send updated credit reports reflecting corrections and deletions within 30 days, as mandated by federal law. 

Supporting Documentation : I have attached : Copies of my three-bureau credit reports from XX/XX/year>. 
Evidence of outdated, inaccurate, or unverifiable accounts. 

Conclusion I request a thorough investigation and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I expect a written response and confirmation of actions taken within 30 days, as required by federal law. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation