Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Reliant Capital Solutions for repeated harassment, failure to comply with my cease and desist request, and violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Details of the Issue : Initial Contact : On XXXX XXXX, 2025, I received a phone call from Reliant Capital Solutions regarding a debt that I do not recognize and have no knowledge of. Despite my clear lack of awareness of this debt, the company continued to attempt contact.

Cease and Desist Request : On XXXX XXXX, 2025, I sent a formal Cease and Desist Letter via email and postal mail to Reliant Capital Solutions requesting that all communication cease immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that debt collectors stop contacting me, and I clearly exercised this right in my written request.

Response from Reliant Capital Solutions : I received an email response from Reliant Capital Solutions stating that my account had been closed, yet they continued to call and message me, disregarding my cease and desist request.

Ongoing Harassment : Despite my clear instruction, on XXXX XXXX, 2025, at XXXX XXXX, I received yet another call from XXXX, a phone number associated with Reliant Capital Solutions, representing continued harassment and violation of my rights.

Relevant Laws Violated : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, debt collectors are prohibited from engaging in any conduct that harasses, oppresses, or abuses a consumer. This includes the following violations : Section 805 ( c ) : A debt collector must cease communication upon request by the consumer. I clearly requested cessation of all communications on XXXX XXXX, 2025, yet the company continued to contact me.

Section 806 : The FDCPA prohibits debt collectors from engaging in conduct that can reasonably be expected to harass or abuse a person. Repeated calls and messages after a cease and desist request are a direct violation of this provision.

Fair Credit Reporting Act ( FCRA ) : The FCRA protects consumers from inaccurate or misleading information reported by creditors or debt collectors to credit bureaus and mandates fair practices regarding reporting : Section 609 ( a ) ( 1 ) : Under the FCRA, a consumer has the right to request the identity of the creditor reporting information about them. Since I have no knowledge of the debt, it is crucial that I receive verification as required by this section.

Section 611 : The FCRA requires debt collectors and creditors to investigate disputes and resolve any discrepancies when the consumer challenges the accuracy of a reported debt. I have explicitly denied knowledge of this debt, and Reliant Capital Solutions has not provided proof of this debt, as required by law.

Section 623 ( a ) ( 3 ) : The FCRA mandates that a creditor or debt collector must notify the credit reporting agencies to update or remove any inaccurate information once the consumer disputes the debt. Since this debt is disputed, Reliant Capital Solutions is obligated to notify the credit bureaus that the information may be inaccurate.

Company response to consumer: Closed with non-monetary relief