Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
Complaint Summary : I am filing this complaint against Waypoint Resource Group LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account in question is inaccurate, incomplete, and unverifiable, and is being reported and collected in a manner that violates federal consumer protection laws. Detailed Complaint & Legal Violations : 1. Failure to Provide Proper Debt Validation ( FDCPA 15 U.S.C. 1692g ) Waypoint Resource Group LLC has failed to provide proper validation of the alleged debt. I have not received competent evidence such as a signed contract or any documentation establishing a legal obligation. This is a direct violation of my rights under federal law. 2. Failure to Provide Written Notice Within 5 Days ( FDCPA 15 U.S.C. 1692g ( a ) ) The company failed to provide the required written notice within five ( 5 ) days of initial communication, including the amount of the debt, the original creditor, and my right to dispute the debt. 3. Reporting Inaccurate and Incomplete Information ( FCRA 15 U.S.C. 1681e ( b ) & 1681s-2 ) The information being furnished to consumer reporting agencies is inaccurate, misleading, and incomplete. This violates the requirement to ensure maximum possible accuracy. 4. Unverifiable Debt ( FCRA 15 U.S.C. 1681i ) The account is unverifiable. If Waypoint Resource Group LLC can not provide verifiable proof, the account must be deleted from my consumer report. 5. Illegal Re-Aging of Collection Account There is evidence that this account has been re-aged to extend its reporting period beyond the legally permissible timeframe. This is a violation of FCRA reporting standards regarding the Date of First Delinquency. 6. Duplicate Collection Reporting This account appears to be reported multiple times, which creates misleading information on my credit report and unfairly damages my creditworthiness. 7. Lack of Permissible Purpose/ Written Consent ( FCRA 15 U.S.C. 1681b ) I have not provided written consent or authorization for Waypoint Resource Group LLC to access or furnish this account on my consumer report. Reporting without a permissible purpose is unlawful. 8. Continued Collection Activity Without Validation ( FDCPA 15 U.S.C. 1692g ( b ) ) Waypoint Resource Group LLC has continued collection efforts despite failing to validate the debt, which is prohibited under federal law. Requested Resolution : I respectfully request that the CFPB require Waypoint Resource Group LLC to : Provide full and complete validation of the alleged debt, including : Original signed contract Full account history Proof of ownership/assignment of debt Immediately delete this account from all consumer reporting agencies if validation can not be provided. Correct any inaccurate, incomplete, or misleading information currently being reported. Cease all collection activity until proper validation is provided. Provide written confirmation of compliance. Relief Requested / Damages : Due to the harm caused to my credit profile and financial standing, I am seeking relief which may include statutory damages for violations of : FDCPA ( up to {$1000.00} per violation ) FCRA ( actual, statutory, and punitive damages for willful noncompliance ) Statement : I certify that the information provided is true and correct to the best of my knowledge. I am requesting a full investigation and enforcement of my rights under federal law.

Company response to consumer: Closed with explanation