Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IPAC'S Inc.
State: TX

Complaint narrative:
Company : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX exact legal entity unknown ) Original Creditor : XXXX  Method of Contact : XXXX Message Phone Number Used : ( XXXX ) XXXX ( XXXX ) XXXX Reference/File Number Provided : XXXX XXXX XX/XX/year> I am filing this complaint regarding unlawful, deceptive, and abusive debt collection practices by XXXX, who claims to be collecting a debt allegedly owed to XXXX. XXXX contacted me via unsolicited text message demanding payment and offering a time-limited settlement, while failing to comply with multiple federal consumer protection laws. 

Facts : On the date shown in the attached evidence, XXXX sent me a text message stating that I have a delinquent account with XXXX in the amount of {$4400.00}. The message pressured me to act immediately by claiming a TODAY ONLY 80 % settlement offer, asserted that payment would be reported as Paid in Full to all major credit bureaus, and instructed me to call a phone number to resolve the account. 

At no time prior to this communication did XXXX provide me with a written validation notice, proof of the debt, or evidence of their authority to collect. The text message was sent without my consent and contained misleading statements designed to coerce payment. 

Violations Alleged XXXX. Failure to Provide Required Debt Validation ( FDCPA 15 U.S.C. 1692g ) XXXX  failed to provide the mandatory written notice containing : The amount of the debt with itemization The name of the current creditor My right to dispute the debt within 30 days My right to request verification Contacting me via SMS demanding payment without first providing proper validation is a direct violation of federal law.

2. False, Deceptive, and Misleading Representations ( FDCPA 15 U.S.C. 1692e ) XXXX  falsely implied that : The debt is valid and owed without verification The settlement would be reported as Paid in Full ( which is often inaccurate and misleading ) Immediate action was required to avoid loss of the offer Such statements misrepresent the legal and credit reporting consequences of payment.

3. Unfair or Unconscionable Collection Practices ( FDCPA 15 U.S.C. 1692f ) Using artificial urgency ( TODAY ONLY ), vague settlement terms, and incomplete disclosures constitutes unfair and abusive conduct intended to pressure payment without informed consent. 

XXXX. Unauthorized and Improper Use of Text Messaging ( CFPB Regulation F 12 CFR Part 1006 ) XXXX  initiated debt collection via XXXX  without evidence of express consent and without including required disclosures identifying the message as a debt collection communication with opt-out instructions. 

XXXX. Potential Credit Reporting Violations ( FCRA 15 U.S.C. 1681s-2 ) XXXX  claims it will report the account as Paid in Full without clarifying whether it currently reports the account, whether it has verified accuracy, or whether it has the legal authority to furnish information to consumer reporting agencies. 

Harm to Consumer XXXX  conduct caused confusion, stress, and risk of financial harm. The deceptive nature of the message undermines my ability to make informed decisions and violates my statutory rights under federal law. 

Resolution Requested I am requesting that the CFPB require XXXX to : 1.Cease all collection activity unless and until lawful written validation is provided 2.Provide complete verification of the alleged debt, including chain of title and authority to collect 3.Cease all text message communications 4.Confirm in writing that no credit reporting has occurred, or immediately correct and delete any inaccurate reporting 5.Implement compliance measures to prevent future violations Sincerely, XXXX XXXX

Company response to consumer: Untimely response