Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
Overview : On XX/XX/year>, I was contacted by Shepherd Outsourcing, a third-party collector affiliated with XXXX XXXX. The call was placed using a spoofed number, the representative failed to identify himself as a debt collector, and the interaction was aggressive, deceptive, and harassing until I invoked specific FDCPA provisionsat which point the behavior shifted markedly. 

This is now the fourth separate XXXX-related incident in the past 12 months. XXXX  has lost all prior cases either in court or arbitration, and no lawful collection activity has occurred that would justify this renewed contact. I have never received a written dunning notice or verification of this debt.

Violations Incurred : FDCPA : Failure to identify, no Mini-Miranda, harassment, deceptive practices ( spoofing ), failure to validate TDCPA ( Texas ) : Unlawful collection attempts, misrepresentation, improper third-party disclosures FCRA : Improper tradeline activity and failure to provide dispute mechanisms Common Law : Intrusion on seclusion, negligent supervision, emotional distress What Happens Next " What If '' Scenario This filing also serves as a formal notice of intent to arbitrate under the terms of the XXXXXXXX XXXX cardholder agreement . If full resolution and funding are not provided within 16 days from today ( XX/XX/year>XXXX   ) i.e., by Monday, XXXX XXXX will initiate arbitration and pursue the following claims : Arbitration Filing ( Prepared but Not Yet Sent ) : Claimed Damages in Arbitration : {$120000.00} including : {$1000.00} FDCPA statutory damages $ XXXX emotional distress $ XXXX invasion of privacy {$10000.00} negligent hiring/supervision {$25000.00} punitive damages $ XXXX for vexatious litigation pattern and systemic abuse Legal preparation, document production, time losses, and reputational harm due to false tradeline activity I do not expect XXXX  or its agents to resolve this reasonably, but they are invited to surprise me. 

CFPB Relief Sought : As part of this formal complaint, I request the following : Immediate investigation into XXXX and Shepherd Outsourcings calling practices, compliance training, and use of spoofing technology Documentation request : call recordings, agent logs, training materials Consumer dispute flag on any tradeline they have reported or plan to report CFPB advisory to cease all collection activity until full validation is completed and proven Coordination with FTC if a pattern is established from additional complaints ( which I suspect already exist ) Final Note : This matter has now surpassed mere inconvenience and has become a chronic disruption to my personal and legal life. I have dealt with XXXX  repeatedly, prevailed each time, and documented every contact. This is no longer a case of rogue agentsit is now a systemic failure of oversight, and I am prepared to escalate it to its fullest conclusion. 

Should the matter be resolved and funded in full within the 16-day window, arbitration may be avoided. 

Otherwise, I will pursue the maximum remedy allowable under the agreement, with interest.

Company response to consumer: Closed with explanation