Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Office of Alan Pritchard, PLLC
State: TN

Complaint narrative:
Subject of Complaint Failure to provide debt validation, misrepresentation of creditor identity, continued assertion of an alleged debt without verification, and potentially deceptive debt collection practices related to a residential lease dispute. Summary of Complaint I am filing this complaint because I have requested validation of an alleged debt for more than one year and the entities involved have failed to provide the documentation necessary to verify the alleged obligation. Despite repeated written requests, the companies involved have : failed to provide documentation verifying the alleged debt failed to clearly identify the creditor asserting the debt continued asserting balances without explaining how the balance was calculated redirected communications through attorneys rather than addressing requests for validation. Because the requested documentation has not been provided, I have been unable to determine whether the alleged debt is valid or whether the entities involved have authority to collect it. Background The alleged debt arises from a residential lease relationship involving property managed by XXXX XXXX. Legal filings identify XXXXXXXX XXXX XXXXXXXX as the creditor represented by counsel. However, communications and operational account matters appear to involve XXXX XXXX. This has created uncertainty regarding : which entity owns the alleged debt which entity authorized collection activity which entity retained legal counsel which entity is responsible for providing validation of the alleged debt. Consumers have the right to know the identity of the creditor asserting a debt and the authority under which that debt is being collected. Despite repeated requests, documentation explaining the relationship between XXXX XXXX XXXX and XXXX XXXX has not been provided. Change in Basis of the Alleged Debt During the course of this matter, the basis for the alleged debt has not remained consistent. Earlier communications and legal filings referenced obligations arising from a residential lease. However, the lease term later expired, and the situation has more recently been characterized as a holdover tenancy following expiration of the lease. Because the basis of the alleged obligation appears to have changed over time, it is particularly important that documentation be provided explaining : the contractual basis of the alleged obligation how charges were calculated after expiration of the lease how the alleged balance currently being asserted was determined. Without documentation explaining the basis of the alleged charges, it is not possible to independently verify the legitimacy of the debt being asserted. Debt Validation Requests For more than XXXX year I have requested documentation necessary to verify the alleged debt. These requests included documentation identifying : the original creditor the current creditor the authority of any entity attempting to collect the debt the agreement establishing the alleged obligation a full accounting showing charges, payments, and credits. Despite these requests, the requested documentation has not been provided. Accounting Transparency Issues Prior legal filings referenced the existence of credits applied to the account. However, documentation explaining how those credits were applied has not been provided. Without a complete transaction history showing : charges payments credits adjustments fee calculations it is not possible to independently verify how the alleged balance was calculated. A simple ledger or statement of a balance does not provide sufficient documentation to verify the debt. Creditor Identity Confusion Legal filings identify XXXX XXXX XXXX as the creditor. However, communications and account activity appear to involve XXXX XXXX. Because of this, it remains unclear : which entity owns the alleged debt which entity authorized the attorney involved whether XXXX XXXX is acting as creditor, property manager, or collection agent. Without documentation explaining the chain of authority to collect the alleged debt, the legitimacy of the collection efforts can not be independently verified. Escalation of the Alleged Balance While Validation Remains Outstanding During the period in which I have been requesting documentation to verify the alleged debt, the balance being asserted has continued to increase. Because the requested validation documentation has not been provided, I have been unable to : verify the legitimacy of the alleged debt confirm how the balance was calculated determine whether additional charges are authorized. At the same time, communications have frequently been redirected through attorneys rather than addressing the underlying validation requests. This situation has created a circumstance where the alleged balance continues to increase while the documentation necessary to verify the debt has not been provided. Timeline of Relevant Events Lease relationship began with property managed by XXXX XXXX. Lease term later expired. Over one year ago I began requesting formal validation of the alleged debt. Requests included documentation identifying the creditor, authority to collect, and accounting supporting the balance. Legal filings identified XXXX XXXX XXXX as the creditor. Communications regarding the account appeared to involve XXXX XXXX. Prior filings referenced credits applied to the account. Documentation explaining how those credits were applied has not been provided. Despite repeated requests, the documentation necessary to verify the alleged debt has not been provided. Consumer Harm Because the requested documentation has not been provided : I can not verify the legitimacy of the alleged debt I can not determine whether the balance is accurate I can not confirm the identity of the creditor asserting the debt. The lack of transparency regarding creditor identity, accounting of charges and credits, and authority to collect has made it impossible to resolve the matter fairly. Applicable Federal Consumer Protection Laws The conduct described raises concerns under several federal consumer protection statutes. Fair Debt Collection Practices Act 15 U.S.C. 1692g Requires debt collectors to provide verification of a debt when requested. 15 U.S.C. 1692e Prohibits misrepresentation of the identity of the creditor or authority to collect a debt. 15 U.S.C. 1692f Prohibits unfair or unconscionable collection conduct. Consumer Financial Protection Act 12 U.S.C. 5536 Prohibits unfair, deceptive, or abusive acts or practices. Regulation F 12 C.F.R. Part 1006 Establishes rules governing debt collection communications and validation requirements. Documentation Requested To verify the alleged debt, I have requested documentation including : identification of the original creditor identification of the current creditor documentation explaining the relationship between XXXX XXXX XXXX and XXXXXXXX XXXX documentation establishing authority to collect the debt the original agreement establishing the obligation a complete accounting showing charges, payments, credits, and adjustments documentation explaining how the alleged balance was calculated. These documents have not been provided. Pattern of Conduct and Regulatory Concern The issues described raise broader concerns regarding transparency in the collection of residential lease debts. When consumers can not determine : who owns the alleged debt who has authority to collect it how the balance was calculated it becomes difficult to determine whether the claim being asserted is legitimate. For this reason, the practices described may present broader consumer protection concerns. Prior Attempts to Resolve Before filing this complaint, I attempted to resolve this matter directly by requesting documentation necessary to verify the alleged debt. These requests included written requests for validation and clarification regarding the identity of the creditor. Despite these efforts, the requested documentation has not been provided. Requested Resolution I respectfully request that the CFPB require the companies involved to provide : 1. Complete debt validation documentation 2. Identification of the creditor asserting the alleged debt 3. Documentation establishing authority to collect the debt 4. A complete accounting showing charges, payments, credits, and adjustments 5. Documentation explaining how the alleged balance was calculated 6. Documentation explaining how the alleged balance increased during the period in which validation documentation remained outstanding. Request for Regulatory Review Because the documentation necessary to verify the alleged debt has not been provided despite repeated requests, I respectfully request that this matter be reviewed to determine whether applicable consumer protection laws have been followed. I am willing to provide additional documentation to assist in the review of this complaint.

Company response to consumer: Closed with explanation