Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jensen & Sullivan, LLC
State: UT

Complaint narrative:
Complaint Against Jensen Sullivan for Fraudulent Account Reporting & Unlawful Debt Collection Practices To : Consumer Financial Protection Bureau ( CFPB ) & Utah Department of Financial Institutions Subject : Unauthorized Accounts, Violation of Fair Credit Reporting Act ( FCRA ), and Unlawful Debt Collection Practices Dear Consumer Finance Officials, I am filing this formal complaint against Jensen Sullivan for reporting fraudulent accounts on my credit report and for violating federal and Utah state laws regarding debt collection practices. Despite my clear evidence of identity theft, Jensen Sullivan continues to report and attempt to collect on accounts that do not belong to me. Furthermore, they sued me without ever providing the legally required debt validation notice, depriving me of my right to dispute the debt before legal action was taken. These actions violate the Fair Credit Reporting Act ( FCRA )

( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), and the Utah Consumer Credit Protection Act ( UCCPA ) ( Utah Code 13-45-201 et seq. ). Details of the Fraudulent Accounts & Debt Collection Violations : I never applied
for, agreed to, or had any accounts with Jensen Sullivan.

I never signed any contract or agreement authorizing these accounts.

Upon discovering these fraudulent accounts on my credit report, I promptly disputed them with both Jensen Sullivan and the credit bureaus.

I requested proof of the alleged accounts, including any signed agreements or supporting documentation. Jensen Sullivan failed to provide any evidence, violating

15 U.S.C. 1681g ( a ) ( 1 ). I submitted a police report and an identity theft affidavit, as required under 15 U.S.C. 1681c-2 ( a ) and Utah Code 13-45-201, pro
ving these accounts were fraudulently opened in my name.

Jensen Sullivan sued me for this fraudulent debt

without ever sending me a written notice of the debt within a reasonable time, violating 15 U.S.C. 1692g ( a ), which requires debt collectors to send a written validation notice within five days of initial contact. Because they failed to send me proper notice, I was denied my legal right to dispute the debt before being sued, violating both the FDCPA and Utah
state debt collection laws.

Violations Committed by Jensen Sullivan : Violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ) : Jensen Sullivan is required to furnish only accurate information to credit bureaus. By reporting accounts that do not belong to me, they are in direct violation of federal law.

Failure to Investigate ( 15 U.S.C. 1681s-2 ( b ) ) : Once I disputed these accounts, Jensen Sullivan had a legal obligation to conduct a reasonable investigation. Their failure to provide documentation or conduct a proper investigation violates the FCRA.

Failure to Block Identity Theft-Related Information ( 15 U.S.C. 1681c-2 ( a ) ) : After receiving my police report and identity theft affidavit, Jensen Sullivan was legally required to block the fraudulent accounts from my credit report. Their refusal to do so is unlawful.

Violation of FDCPA ( 15 U.S.C. 1692g ( a ) ) : Jensen Sullivan sued me for a debt without ever providing me a written notice of the debt withi

n five days of initial contact, denying me my right to dispute the debt before legal action was taken. Violation of Utah Consumer Credit Protection Act ( Utah Code 13-45-
201 ) : Jensen Sullivan has failed to comply with Utah law requiring proper debt verification and correction of fraudulent information.

Requested Resolution : Given the clear evidence of fraud and Jensen Sullivans failure to comply with both federal and state laws, I demand the following immediate actions : Permanent removal of all fraudulent accounts from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). 
A written confirmation from Jensen Sullivan stating that these accounts have been deleted and will not be reinserted in the future.

Immediate dismissal of any lawsuit filed against me based on this fraudulent debt.

Compensation for damages under 15 U.S.C. 1681n, 1681o, and 15 U.S.C. 1692k, which allow for statutory and punitive damages due to their willful violations of the FCRA and FDCPA.

If this issue is not resolved within 15 days, I will escalate my complaint to the Federal Trade Commission ( FTC ), the Utah Attorney Generals Office, and pursue legal action for willful violations of my consumer rights.

I expect a prompt response and resolution. Failure to comply will result in further legal consequences.

Company response to consumer: Untimely response