Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Via Certified Mail Return Receipt Requested Focus Financial Services Attn : Compliance / Legal Department RE : FORMAL DEMAND FOR DEBT VALIDATION AND CEASE OF ALL COLLECTION ACTIVITY Account/Reference No. : To Whom It May Concern : This correspondence serves as a formal dispute of the alleged debt in its entirety and a demand for full validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, as well as all applicable provisions of the Fair Credit Reporting Act. Be advised that I dispute the existence, amount, ownership, legal enforceability, and reporting accuracy of this alleged obligation. Your office is hereby placed on notice that I refuse to acknowledge, accept, or assume liability for any account your company claims to be collecting. You are hereby demanded to provide competent legal validation, not mere screenshots, internal notes, or self-generated billing summaries. Specifically, provide : 1. The name and address of the original creditor 2. The full account history, including all payments, adjustments, fees, and interest 3. A copy of the original signed contract, application, service agreement, or instrument bearing my signature 4. The complete chain of title/assignment, proving your legal authority to collect 5. The date of default and date of alleged charge-off 6. Proof that the debt is within the applicable statute of limitations 7. A copy of your state collection license and authority to collect in Florida 8. The name of the individual who verified this debt and the method used 9. Any documents you intend to rely upon in litigation or credit reporting Until such validation is produced, you are instructed to immediately cease all collection activity, including but not limited to : telephone calls text messages emails letters employer contact third-party disclosures credit bureau reporting transfer or sale of the alleged account Any attempt to continue collection without first providing the above validation will be documented as a knowing violation of federal law, including 15 U.S.C. 1692e, 1692f, and 1692g ( b ). If this account is currently being reported to any consumer reporting agency, you are further instructed to mark it as DISPUTED BY CONSUMER immediately. Failure to do so will constitute evidence of false credit reporting and negligent or willful noncompliance under the FCRA. Take further notice : if your office can not provide the above documentation, you are required to permanently close your file, terminate all collection efforts, and request deletion of any tradeline or collection entry associated with this account. Should your company ignore this demand, continue collection efforts, or furnish unverifiable information, I will proceed with complaints to the Consumer Financial Protection Bureau, Florida Office of Financial Regulation, Florida Attorney General, Better Business Bureau, and pursue all available civil remedies, including statutory damages, attorneys fees, and actual damages. This letter is sent without waiver of any rights, claims, defenses, or causes of action, all of which are expressly reserved. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Untimely response