Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lipsey, Morrison, Waller & Lipsey, P.C.
State: TN

Complaint narrative:
I am writing to demand immediate resolution and compensation for the unlawful actions and violations committed by XXXXipsey, Morrison , Waller & Lipsey, P.C.. Your firms handling of my account has caused me significant distress and hardship, and your continued failure to adhere to legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), coupled with a breach of privacy, has left me with no choice but to seek immediate remediation. 

Summary of Violations : Failure to Provide Adequate Debt Validation : Despite my formal request for debt validation pursuant to 15 U.S.C. 1692g, your firm has failed to provide appropriate and legally compliant documentation, including a sworn or attested statement of the contract and a valid Statement of Sale. As required by law, you must provide original, sworn, or attested documentation, not hearsay or documents that lack legal authenticity.

Breach of Privacy : The documents you provided were redacted improperly and included personal and confidential information that should not have been shared or exposed. This constitutes a violation of my privacy rights and may be grounds for additional legal action related to the misuse and breach of my sensitive information.

False, Misleading, and Deceptive Practices : The language used in the documents provided by your firm is false and misleading, including misstatements that attempt to mislead me into believing that the debt is valid without providing the necessary proof. This not only violates the FDCPA but also amounts to deceptive business practices that are damaging to my reputation and personal well-being.

Personal Injury and Emotional Distress : The continued harassment, exposure of personal information, and deceptive tactics used by your firm have caused me emotional distress and personal injury. The anxiety, fear, and frustration I have experienced as a result of your actions have had a detrimental impact on my mental health and well-being.

Demand for Remedy : Given the significant violations of my legal rights, including the failure to validate the debt, the breach of privacy, and the distress caused, I am demanding compensation in the amount of {$10000.00}. This amount represents damages for : The violation of my privacy and the mishandling of my sensitive information.

The emotional distress and personal injury I have suffered due to your deceptive and unlawful actions.

The failure to comply with the FDCPA and other applicable debt collection regulations.

I am providing you with an opportunity to resolve this matter amicably. However, if this issue is not resolved by providing the requested remedy of {$10000.00} within 14 days from the date of this letter, I will have no choice but to pursue legal action under the fullest extent of the law, including but not limited to : Filing a formal complaint with the State Attorney Generals office.

Seeking damages through a lawsuit for violations under the FDCPA, breach of privacy, and personal injury.

Exploring any additional claims related to false advertising, deceptive practices, and unfair business practices as defined under both federal and state laws.

Notice of Legal Action : If I do not receive a satisfactory response or if the matter is not resolved within the allotted time frame, I will proceed with legal action, including filing a lawsuit to recover the damages owed to me. Please be advised that if legal proceedings are initiated, I will seek statutory damages as allowed under the FDCPA, as well as any additional compensatory and punitive damages that may be awarded by the court. 

Thank you for your immediate attention to this matter. I look forward to your prompt response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation