Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Starmark Financial LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a CFPB complaint against Starmark Financial LLC regarding an alleged debt being reported and/or collected in my name. Attached to my complaint was a formal debt validation and accuracy dispute requesting competent documentary evidence necessary to verify the legality, ownership, accuracy, completeness, and lawful reporting of the alleged account. In my dispute, I specifically requested : the original signed agreement or contract, proof of ownership and assignment, the purchase agreement or transfer records, a complete accounting and payment history, the Date of XXXX Delinquency ( DOFD ), the date the account was charged off, the date the account was assigned or acquired by Starmark Financial LLC, and documentation necessary to verify the accuracy and completeness of the information being furnished to consumer reporting agencies. Starmark Financial LLC responded to the complaint and provided limited account documentation. However, the response failed to fully validate the alleged debt or fully address the reporting accuracy and completeness concerns raised in my dispute. Specifically, Starmark Financial LLC failed to provide : XXXX. The Date of First Delinquency ( DOFD ) associated with the alleged account ; XXXX. Documentary proof substantiating the DOFD being used for credit reporting purposes ; XXXX. The actual charge-off date for the account ; XXXX. A complete delinquency and payment progression history ; XXXX. The purchase agreement, bill of sale, or complete chain-of-title documentation establishing ownership of the account ; XXXX. The original signed agreement or contract bearing my signature ; XXXX. A complete accountin g history showing all payments, fees, adjustments, interest, and balance calculations ; XXXX. Documentary evidence authorizing Starmark Financial LLC to furnish, verify, update, or report information concerning my credit file ; XXXX. A detailed explanation of the procedures and methodology used to investigate and verify the disputed information after receiving my dispute. Although Starmark Financial LLC appears to have asserted that the account was verified, the company did not explain : what records were reviewed, whether original creditor records were examined, whether the investigation involved manual review or automated verification, or how the disputed information was determined to be accurate and complete for furnishing purposes under the FCRA. Providing limited account records or summaries does not fully establish lawful ownership, enforceability, complete reporting accuracy, or compliance with the Fair Credit Reporting Acts reasonable investigation requirements. Additionally, without the DOFD and charge-off date, I am unable to independently verify whether the account is being reported within the lawful reporting period required under the FCRA and Metro 2 reporting standards. Because Starmark Financial LLC continues furnishing and/or verifying this account despite failing to fully provide the requested documentation and verification, there remains substantial concern regarding : the adequacy of the investigation conducted, the accuracy and completeness of the furnished information, and Starmark Financial LLCs compliance with FCRA 1681s-2 ( b ). The account therefore remains formally disputed as inaccurate, incomplete, insufficiently verified, and unsupported by complete documentary evidence.

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