Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
RE : GoodLeap LLCs Unlawful Lien and Failure to Provide Original Contract To Whom It May Concern : I am writing to formally rebut GoodLeap LLCs recent submission regarding their claim of a security interest and UCC lien against my property. GoodLeap has failed to provide the original contract with my wet-ink signature, as required by law for any enforceable lien or security interest on real property. The documents provided are only electronic copies executed via XXXX, which do not satisfy the statutory requirements for a valid lien on my home. 
Legal Violations and Deficiencies Failure to Provide Original XXXX Signed Contract GoodLeaps submission does not include the original, physically signed contract. Under Texas law and the Uniform Commercial Code ( UCC ), a valid security interest in real property requires a security agreement bearing the debtors original, physical ( wet-ink ) signature. No such original contract or wet-ink signature has been provided. 


Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) : A security interest is enforceable only if the debtor has authenticated a security agreement describing the collateral. Authentication generally means a physical signature unless otherwise agreed, and electronic signatures are not sufficient for liens on real property. 
Texas XXXX XXXX XXXX ( a ) : Any instrument affecting real property ( including liens ) must be signed and acknowledged by the grantor. 
XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Prohibits misrepresenting the character, extent, or amount of a debt, or falsely representing the status of a lien.

Violation of Uniform Commercial Code ( UCC ) Article 9 UCC 9-203 ( b ) : A security interest attaches only when the debtor has signed ( authenticated ) a security agreement. Filing a UCC-1 financing statement without a valid, signed security agreement is fraudulent and void.

Violation of Federal Law Truth in Lending Act ( TILA ), 15 U.S.C. 1638 ( a ) : Requires clear disclosure of any security interest. No disclosure was provided that my home would be collateral, and I expressly refused to sign any agreement granting such interest.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false representation of the character or legal status of any debt, including claiming a lien without legal basis.

Nature of the Loan The documents provided by GoodLeap refer only to a personal property security interest, not a mortgage or lien on my home. The contract was executed via XXXX, which does not meet the requirements for a lien on real property under Texas law.

No Authority to File Lien GoodLeap can not lawfully file a UCC financing statement or any lien against my home without a properly executed, original security agreement. Any lien filed without my consent and without a wet-ink signature is fraudulent and unenforceable.

Demand for Immediate Action I demand that GoodLeap LLC : Immediately remove any unauthorized UCC lien or claim against my property.

Provide written confirmation that they have no claim or security interest in my home.

Cease all further attempts to collect or enforce any alleged security interest based on these invalid documents. 

I reserve all rights to pursue damages and statutory remedies under federal and state law, and request that your office take appropriate enforcement action regarding these violations. 
Thank you for your attention to this matter. 
Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation