Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This complaint is directed against NR/SMS/CAL , a data furnisher and collection entity that has violated multiple provisions of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681 et seq. ), the FAIR DEBT COLLECTION PRACTICES ACT ( 15 U.S.C. 1692 et seq. ), and applicable state consumer protection laws, by reporting and verifying inaccurate, unverifiable, and obsolete information to the nationwide credit reporting agencies XXXX XXXX XXXX XXXX 

NR/SMS/CAL has continued to furnish negative information regarding an alleged account without providing validation of debt, documentary proof of ownership or assignment, or verification of reporting accuracy as required by law. This constitutes both federal violations and reckless noncompliance with Metro 2 data furnishing standards. 

ACCOUNT IN QUESTION NR/SMS/CAL Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3100.00} Summary of Issue : The above-referenced account appears as a collection or charge-off tradeline across multiple credit reports. However, the consumer has never received documentation verifying the alleged debt, original creditor, date of delinquency, or any contract binding the consumer to the reported obligation. 

Further, NR/SMS/CAL has verified this disputed tradeline with the credit bureaus without conducting a meaningful investigation, in direct violation of FCRA 623 ( b ). The companys continued reporting of unverifiable and outdated data violates federal standards for accuracy, integrity, and procedural compliance.

VIOLATIONS Federal Violations : FCRA 602 ( A ) : Congressional intent mandates accurate and fair reporting ; NR/SMS/CALs conduct undermines this standard. 

FCRA 607 ( b ) : Failure to ensure maximum possible accuracy of consumer information before and after disputes.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known or reasonably expected to be inaccurate.

FCRA 623 ( b ) ( 1 ) : Failing to investigate and correct disputed information after notification from a credit reporting agency.

FDCPA 807 ( 2 ) ( A ) : False representation of the character, amount, or legal status of a debt.

FDCPA 809 ( b ) : Failure to cease collection and validate debt upon written dispute from the consumer.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to provide supporting documentation or verification during dispute reinvestigation. 

Metro 2 and Regulatory Violations : CDIA METRO 2 COMPLIANCE MANUAL ( 2023 ) : Prohibits the use of unverifiable or unvalidated data fields, mandates proper coding for paid or disputed accounts, and forbids the transmission of duplicate or incomplete consumer data.

12 CFR 1022.42 ( a ) : Requires data furnishers to maintain policies and procedures for the accuracy and integrity of information furnished to consumer reporting agencies.

State Law Violations ( Tennessee ) : TENNESSEE CONSUMER PROTECTION ACT ( T.C.A. 47-18-104 ) : Deceptive acts or practices in commerce, including false or misleading representations regarding debt.

TENNESSEE COLLECTION SERVICE ACT ( T.C.A. 62-20-114 ) : Unlawful to attempt to collect a debt without proper validation or documentation.

T.C.A. 47-18-109 ( a ) : Provides a private right of action for any person suffering ascertainable loss as a result of unfair or deceptive acts or practices.

PATTERN OF NONCOMPLIANCE NR/SMS/CAL has demonstrated a pattern of willful and negligent disregard for federal law by : Reporting an account without documentary proof of the debt or assignment. 

Failing to produce evidence upon receipt of a written dispute. 

Continuing to verify inaccurate information with XXXX XXXX XXXX XXXX 

Using collection and reporting tactics that cause tangible harm to the consumers credit standing and emotional well-being. 

Such conduct constitutes a willful violation under FCRA 616 and a negligent violation under FCRA 617, subjecting the company to actual, statutory, and punitive damages.

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