Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
To : CFPB Enforcement Division From : XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Escalation of Violations XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and F.H. Cann & Associates Complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Introduction I am submitting this formal escalation tied to my three active CFPB complaints and the XXXX XXXX  filings dated XX/XX/XXXX. The scope of this case now involves six major entities engaged in a coordinated pattern of FCRA, FDCPA, TILA, and UDAP violations that have caused severe financial harm, business suppression, and retaliation.

Summary of Violations XXXX. XXXX XXXX XXXX XXXX Closed secured credit card, withheld {$300.00} deposit, blocked online banking access, and concealed utilization data during an active federal investigation.

Provided my personal information to three third-party collectors without validation.

Actively manipulated reporting during CFPB oversight. 
XXXX XXXX XXXX XXXXx Engaged in systemic suppression of positive tradelines, re-aging disputed accounts, and reporting false statuses post-certified disputes.

Ignored four certified mail rounds, including XXXX XXXX submissions. 
XXXX. XXXX XXXX / XXXX Received two certified dispute demands ( XX/XX/XXXX and XX/XX/XXXX ) but never provided validation.

Continued furnishing unverifiable data, contributing to credit harm.

XXXX. F.H. Cann & Associates Coerced a payment on XX/XX/XXXX ( {$150.00} ) without validating the alleged debt, creating immediate FDCPA exposure. 
XXXX XXXX XXXXXXXX Suppressed a 5-year-old positive tradeline without authorization.

Inflated high balances and triggered adverse actions during an open CFPB investigation.

Damages & Settlement Demand Due to the documented violations and evidence across five complaint rounds and XXXX XXXX filings, I am demanding : {>= $1,000,000} XXXX XXXX ( divided proportionally among all parties based on exposure and violations ) {>= $1,000,000} Non-Monetary Package, including : Immediate 0 % fixed interest on existing obligations Restoration of all suppressed tradelines Backdated positive history Elite-level funding approvals {$30000.00} equity stock grants per financial institution Permanent removal and blacklisting of all third-party debt collectors Evidence on Record All supporting documentation has already been filed in my current CFPB cases, including : Four certified dispute rounds ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  filings dated XX/XX/XXXX XXXX  fraud alert acknowledgment Screenshots confirming online banking restrictions, forced payments, and suppressed tradelines Action Requested I request immediate CFPB Enforcement escalation under the connected complaint IDs, combining all five entities into a single high-priority investigation. The violations are ongoing, systemic, and well-documented. If settlement terms are not reached, I am prepared to pursue full civil remedies. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation