Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Hayt , Hayt & Landau , P.L . XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute, Failure of Validation, Cease and Desist, and Notice of Intent Alleged Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX File # : XXXX Consumer : XXXX XXXX -- - To Whom It May Concern, This letter serves as formal notice that I dispute the above-referenced alleged debt in its entirety. I do not acknowledge, accept, or consent to any obligation claimed by your firm or any predecessor entity. -- - 1. PRIOR DISPUTE AND FAILURE OF VALIDATION This alleged account was previously disputed with XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX To date, no lawful validation has been provided. Accordingly, this alleged debt is now deemed : - Unverified - Unenforceable - Improperly transferred Your firm has now been placed on notice of this prior dispute. Any attempt to continue collection activity without validation constitutes a knowing violation of : - 15 U.S.C. 1692g ( FDCPA Validation Requirement ) - 15 U.S.C. 1692e ( False or Misleading Representations ) - 15 U.S.C. 1692f ( Unfair Practices ) -- - 2. DEMAND FOR STRICT PROOF LEGAL STANDING REQUIRED You are hereby required to provide competent, admissible evidence establishing : - The original signed contract or application - A complete chain of title from the original creditor Resurgent any intermediary your firm - A bill of sale identifying this specific account, not a generic portfolio transfer - Proof your firm has legal standing and authority to collect in XXXX - A full accounting ledger ( charges, payments, dates of default, charge-off ) As established in XXXX v. MBNA America Bank , 357 F.3d 426 ( 4th Cir. 2004 ), a furnisher or collector must conduct a reasonable investigation, not rely on internal assumptions. Further, XXXX v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) confirms liability where inaccurate or unverified information is pursued or reported. -- - 3. SECURITIZATION / TRANSFER CHALLENGE You are required to disclose whether this alleged account was : - Securitized - Bundled into receivable pools - Sold multiple times - Charged off and written down - Insured or otherwise compensated Absent strict proof of ownership and authority, no enforcement rights exist. -- - 4. CREDIT REPORTING VIOLATIONS NOTICE If this account has been or is being reported, you are bound by : - 15 U.S.C. 1681e ( b ) Maximum possible accuracy - 15 U.S.C. 1681s-2 Duty to report accurately and investigate disputes- 15 U.S.C. 1681i Mandatory reinvestigation Failure to verify requires immediate deletion, not continued reporting. As established in XXXX v. TransUnion Corp., credit reporting entities must do more than superficial verification. -- - 5. TIMING OF PAYMENTS 15 U.S.C. 1666b You are further required to demonstrate that any alleged late payments were assessed in compliance with federal law governing timing of payments. Any misapplication renders reporting inaccurate and unlawful. -- - 6. CEASE AND DESIST ALL COLLECTION ACTIVITY Pursuant to 15 U.S.C. 1692c ( c ), you are hereby ordered to : - Cease all collection activity immediately - Cease all telephone contact - Cease all demands for payment The only permissible responses are : 1. Written confirmation that the account is closed and collection terminated, or 2. Full legal validation as demanded above -- - 7. PROHIBITION ON FURTHER TRANSFER OR RE-ASSIGNMENT You are expressly prohibited from : - Selling - Assigning - Transferring - Re-reporting this alleged debt without lawful validation. Any such action will be treated as willful noncompliance and bad faith conduct. -- - 8. NOTICE OF INTENT TO ENFORCE RIGHTS Failure to comply within 30 days will result in : - FTC complaint - XXXX Attorney General complaint - Civil action for damages under : - 15 U.S.C. 1692k ( FDCPA damages ) - 15 U.S.C. 1681n ( willful FCRA violations ) - 15 U.S.C. 1681o ( negligent violations ) This letter serves as formal notice of intent to enforce my rights. -- - All future communication must be in writing only. -- - Sincerely, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX

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