Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I am filing a formal complaint against Blitt & Gaines, P.C., a debt collection law firm that has repeatedly attempted to collect on two fraudulent, identity-theft accounts, refused to provide lawful debt validation, and continued to pursue multiple lawsuits against me in bad faith.

Blitt & Gaines first initiated legal action against me in XX/XX/XXXX regarding alleged XXXX XXXX accounts. Prior to receiving this summons, I had never heard from this company. Immediately after being served, I sent them both a Debt Validation Request and a Cease and Desist Notice, instructing them to stop all collection activity until they validated the debt as required under federal law. They ignored this demand and continued their collection efforts without providing the required documentation. 

I also notified them that these accounts were listed in my XXXX identity theft police report and are documented in my FTC Identity Theft Report, both of which I submitted to Blitt & Gaines and to the court. Despite having this information, they continued to sue me and even filed a second lawsuit on another identity-theft account without ever validating the first in Missouri. 

Furthermore, Blitt & Gaines has misrepresented themselves as attorneys for XX/XX/XXXXXXXX and XXXX XXXX, even though neither company confirmed that Blitt & Gaines is their legal counsel. Instead, they are a third-party debt collection company operating under an attorneys name. Their false claim of being the attorney for the creditor was clearly intended to mislead, intimidate, and pressure me into paying accounts that are fraudulent. This constitutes a serious FDCPA violation for deceptive representation. 

I raised this issue before the judge, yet it was overruled, despite the clear misrepresentation. I also filed a motion to dismiss the case on the grounds that Blitt & Gaines failed to validate the debt and failed to appear in court. Instead of dismissing the case with prejudice, the judge stated that I had been given the wrong court datebut still refused to grant the dismissal. Had I failed to appear, the court would have easily issued a default judgment against me, yet Blitt & Gaines faced no consequences for not appearing and for violating federal law. 

At this point, I have been required to appear in court XXXX times, with another hearing set for XX/XX/XXXX, despite providing every required document, including : Identity theft police report ( XXXX ) FTC Identity Theft Report Debt validation requests Cease and desist notices Proof the accounts are fraudulent Evidence of misrepresentation by Blitt & Gaines Their ongoing actions constitute harassment, intimidation, and unlawful collection tactics.

Blitt & Gaines has violated the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) in the following ways : Attempting to collect and sue on identity-theft accounts with no validation ; Failing to cease collection after receiving written cease and desist ; Filing multiple lawsuits on fraudulent, unverified accounts ; Ignoring police reports and FTC identity-theft documentation ; Misrepresenting themselves as attorneys for XX/XX/XXXX and XXXX XXXX ; Using deceptive , misleading, and intimidating tactics to force payment ; Continuing collection activity after written disputes ; Attempting to enforce debts without proof of contract, ownership, or chain of title ; Engaging in frivolous, harassing litigation meant to pressure a consumer. 

I respectfully request that the CFPB thoroughly investigate the actions of Blitt & Gaines, P.C., and take appropriate enforcement action to stop their unlawful and abusive practices. I am prepared to provide all evidence, including court filings, correspondence, videos, and written documentation supporting these violations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation