Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Metacorp LLC
State: TX

Complaint narrative:
I am filing this complaint regarding multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX ( XXXX ), acting on behalf of Metacorp , LLC, in connection with an alleged debt originally associated with XXXX. I am in possession of recorded phone calls, voicemail messages, and written communications, all of which substantiate the violations described below. These materials will be provided upon request. Unauthorized Third-Party Communication and Disclosure : XXXX XXXX XXXX XXXX XXXX ) contacted multiple third parties and left voicemail messages on their phones, including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), who has no legal obligation to this alleged debt. The voicemail messages identified me by full name, identified the caller as being with XXXX, referenced final correspondence sent to my address, stated that the matter required my immediate attention, '' and indicated multiple prior attempts to contact me. In a text message from my mother, I was told that a " debt collector '' had called my stepfather ( on XXXX ), indicating that the person calling was a debt collector based on the language and verbiage use. By combining my identity, the company name, and urgent language referencing prior correspondence, the message clearly implies the existence of a debt or financial obligation, which constitutes unauthorized disclosure to third parties. Additionally, the voicemail itself states that it is a follow-up to multiple voicemails, indicating repeated contact attempts to third parties, which is prohibited. While contacting third parties for the purposes of obtaining location information, specifically for CONFIRMING or CORRECTING, is authorized by federal law, in each phone call to a third party, the caller never stated that his purpose was to confirm or correct location information, only stating that he was attempting to contact me for a personal matter that needed my immediate attention, and only identifying the company as XXXX, which could be the abbreviation for many different things. A quick XXXX search when searching " XXXX '' yielded XXXX XXXX XXXX, Really Magic Stuff, XXXX XXXX, and XXXX XXXX XXXX, just to name a few. Failure to Properly Identify as a Debt Collector / Deceptive Conduct : During a recorded phone call with XXXX, I repeatedly asked whether they were a debt collector attempting to collect a debt but their representatives refused to answer this question multiple times. I informed them that failure to disclose this information is a violation of federal law and their representatives denied the violation. Instead, they stated that they could not confirm or deny whether they were a debt collector due to privacy concerns, which is misleading and incorrect. They further claimed that they could not identify themselves unless I confirmed my identity, which is not a legal requirement and appears to be a tactic used to avoid required disclosures. The requirement for them to identify themselves as a debt collector attempting to collect a debt in no way violates my privacy as it does not reveal any of my identifying information. Misleading and Improper Attempts to Obtain Personal Information : XXXX representatives repeatedly attempted to obtain my personal identifying information, including my name and last XXXX digits of my Social Security Number, date of birth, and email address. Despite my repeated statements that I am not legally required to identify myself, they attempted to downplay these requests by stating they were only asking me to confirm information already on file. This is misleading, as confirming such information constitutes identification, and their framing appears designed to pressure me into providing information I am not required to give. Deflection from Legal Obligations : Rather than complying with disclosure requirements, XXXX XXXX directed me to review their company on the Better Business Bureau website, and stated that they are a veteran-owned business. '' These statements are irrelevant to legal compliance and appear to have been used to deflect from their refusal to properly identify themselves and follow federal law. Confusion Regarding Ownership and Authority to Collect : I have received conflicting communications regarding this alleged debt. XXXX confirmed through email on XX/XX/XXXX that the debt was sold to Metacorp, LLC on XX/XX/XXXX. I have received no communication from XXXX, XXXX, but have received several emails from XXXX XXXX XXXX XXXX ( XXXX, most recent on XX/XX/XXXX ) stating they were collecting on behalf of Metacorp, while XXXX has also attempted to collect through phone calls. This creates uncertainty regarding who owns the debt and which entity is authorized to collect. No clear validation or chain of title has been provided to me. Requested Resolution : I am requesting that all collection activity cease immediately, all companies involved provide full validation of the debt, including proof of ownership, complete chain of title, and all documentation supporting the validity of the alleged debt. Furthermore, I am requesting all call logs, recordings, and documentation of third-party contacts be preserved and reviewed, any violations be formally investigated and addressed, and if the debt can not be properly validated, all collection efforts must cease permanently and any associated reporting must be removed Additional Notes : I am in possession of a recorded phone all with XXXX RMS representatives, voicemail recordings and screenshots of transcribed voicemails, and written correspondence. These materials clearly document the conduct described above and will be used to support this complaint. I have requested the documentation directly from the XXXX businesses that have either attempted to collect or possibly owns the debt, and have requested to them that all collections activities cease. This complaint does not revolve around the request for documentation, but the clear and distinct violations that have been committed. I have uploaded screenshots of XXXX voicemail recordings, emails from Net Credit showing that they sold the debt to XXXX on XX/XX/XXXX, the most recent email from XXXX XXXX XXXX XXXX also attempting to collect on this debt, and the recorded phone conversation with XXXX from XX/XX/XXXX to this complaint. The recorded phone conversation has been broken into XXXX parts so that it fits within the maximum file limit size.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation