Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
* * CFPB COMPLAINT HELVEY & ASSOCIATES ( XXXX XXXX COLLECTION ) * * * * Consumer : * * XXXX XXXX * * SSN : * * XXXX * * XXXX : * * XX/XX/XXXX * * Address : * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Phone : * * XXXX * * Email : * * XXXX * * Company Being Complained About : * * * * Helvey & Associates * * ( Collection Agency ) Original Creditor : * * XXXX XXXX XXXX  * * Collection Balance : * * {$160.00} * * Account Numbers Reporting : XXXX  : XXXX XXXX  : XXXX XXXXXXXX XXXX  : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, * * I am filing a formal complaint against * * Helvey & Associates * * for reporting an inaccurate, unverifiable, and unauthorized collection account on my credit reports. This collection is being furnished with different account numbers, different dates, different status updates, and different reporting timelines across XXXX, XXXX, and XXXX  violating * * FCRA 15 U.S.C. 1681e ( b ) * *. 
I never opened any account with XXXX XXXX XXXX, nor did I authorize Helvey & Associates to collect, report, or obtain any information about me. I never received any written notice, validation letter, or initial communication required under * * FDCPA 15 U.S.C. 1692g ( a ) * *. 
-- - # # # * * XXXX. INACCURATE REPORTING ACROSS THE CREDIT BUREAUS * * This single collection account is appearing with * * XXXX different account numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A real debt can not have XXXX different account numbers. 
This violates * * FCRA 1681e ( b ) * * ( maximum possible accuracy ). 
Additional inconsistencies : XXXX does not list a DOFD XXXX lists DOFD as XX/XX/XXXX XXXX  lists no DOFD but shows removal in XXXX ( possible XXXX rule violation ) These conflicts prove the debt is factually incorrect and unverifiable. 
-- - # # # * * XXXX. FAILURE TO PROVIDE DEBT VALIDATION FDCPA 1692g * * Helvey has not provided : Original signed contract Itemized statements Ownership/assignment records Chain of title Proof I am legally responsible Without validation, Helvey can not legally report or collect this debt. 
This violates : * * FDCPA 1692g * * * * FCRA 1681i ( a ) * * * * FCRA 1681i ( a ) ( 5 ) ( A ) * * ( unverifiable = must be deleted ) -- - # # # * * XXXX. NO WRITTEN CONSENT OR PERMISSIBLE PURPOSE FCRA 604 * * I never gave : Written consent Verbal consent Electronic consent Helvey has * * no permissible purpose * * to pull, furnish, or report my information. 
-- - # # # * * XXXX. MIXED FILE / IDENTITY ERRORS * * The bureaus show : Incorrect name variations Outdated addresses Different identifiers This increases the likelihood the debt was misattributed to me, violating * * FCRA 1681e ( b ) * * ( identity accuracy ). 
-- - # # # * * XXXX. DAMAGE & HARM * * This false collection is : Lowering my scores Causing denials Hindering housing & transportation Misrepresenting me financially This is causing real financial and emotional harm. 
-- - # # # * * XXXX. REQUESTED RESOLUTION * * I request that the CFPB require Helvey & Associates to : XXXX. Provide full validation, including : Original signed contract Billing history Chain of title Assignment documents Proof of chargeoff/insurance actions XXXX. Provide the method of verification used. 
XXXX. * * Delete the collection account * * from all bureaus if complete validation can not be produced. 
XXXX. Cease all reporting and collection activity unless legally validated. 
-- - # # # * * XXXX. LEGAL BASIS * * Supported by : * * FCRA 1681e ( b ) * * accuracy * * FCRA 1681i ( a ) ( 5 ) ( A ) * * unverifiable deletion * * FCRA 1681c * * XXXX limit * * FDCPA 1692g * * validation rights * * FDCPA 1692e * * false reporting * * FCRA 604 * * no permissible purpose * * UCC 3501 * * presentment * * UCC 9210 * * chain of title -- - # # # * * XXXX. FINAL STATEMENT * * This alleged debt is : Not mine Not validated Not accurate Not consistent Not legally reportable I request immediate CFPB intervention. 
* * XXXX XXXX * * XXXX : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation