Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
The first violation is that I never received the required written notice before this alleged debt was placed on my credit report. I have already filed an FTC complaint and a complaint with my State Attorney General against this company because I requested proper validation of this alleged debt well over XXXX days ago and have not received a single document validating it. Under the Fair Debt Collection Practices Act ( FDCPA XXXX ), when a consumer disputes a debt and requests validation, the debt collector must provide proper documentation validating the debt and must cease collection activity until that validation is provided. That has not happened in this case. This account is being reported by Waypoint Resource Group for an alleged {$350.00} debt tied to XXXX XXXX. I requested proper validation of this alleged debt over XXXX days ago and have still not received any documentation whatsoever. Proper validation of a debt requires documentation identifying the original creditor, a complete accounting of the alleged balance and how it was calculated, documentation proving the debt belongs to me, documentation showing the date the account was opened, documentation showing the original service agreement or contract tied to the alleged balance, and documentation demonstrating that Waypoint Resource Group has the legal authority or assignment to collect the alleged debt. Despite my requests, this company continues to report the alleged debt without providing any lawful validation. Reporting a debt that can not be verified raises serious concerns under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ( A ) ), which requires that any information furnished to consumer reporting agencies be accurate and verifiable. Additionally, Metro 2 reporting standards require that any information reported to consumer reporting agencies be complete, accurate, and fully substantiated with documentation. I am an informed consumer and I know exactly what proper validation of a debt requires. I am also aware that companies often claim that validation was mailed. If your company intends to make that claim, then attach every document required to validate this alleged debt directly to the CFPB complaint response for review. That includes documentation identifying the original creditor, a full accounting of the alleged balance and how it was calculated, documentation proving the debt belongs to me, the original service agreement tied to the alleged balance, and documentation demonstrating that your company has the legal authority to collect the alleged debt. I am 100 % confident that your company does not possess the documentation required to properly validate this alleged debt. If your company continues reporting this account without lawful validation, I will consult with a consumer rights attorney regarding these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation