Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Dear cfpb : I have a complaint that I really need you to look into back in XXXX in XXXX I looked over my credit and it was a lot of red flags upon my research of the credit laws Ive reached out to the credit bureaus and sent a letter for an investigation in XXXX of XXXX. Do to life circumstances I didnt keep up with the investigation and I never received a response from either bureau neither XXXX XXXX XXXX XXXX. Also upon looking at my credit report nothing was really updated from XX/XX/XXXX to XXXX XXXX All the information Im telling you will be attached below. So the reason for my letter in particular is about this XXXX creditor that served me on XX/XX/XXXX The original creditor is ( XXXX XXXX XXXX going as XXXX XXXX XXXX and XXXX XXXX XXXX Also Lloyd & McDaniel , PLC is a debt collector all of this is confusing and to my knowledge according to the fdcpa they're breaking the credit laws. So XXXX XXXX is reporting on my credit on XXXX XXXX and XXXX but its reporting weird and inaccurate ( attachments below ) XXXX XXXX XXXX  is only reporting on XXXX also upon looking over the debt collector letter Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX, KY XXXX Is also the lawyer in the suit which is strange to me I dont know if this is legal but Lloyd & McDaniel , PLC also has an address XXXX XXXX XXXX XXXX GA XXXX as well as XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX I dont know if you can be a debt collector and lawyer at the same time but something dont seem right to me.. Also upon looking over the paperwork in the suit its in my business name. The fact that they are suing me for this debt with no factual statement is ridiculous the credit reporting bureau never updated any information and in the court papers they have nothing that I signed ( Attachment Below ) they need to show documentation that I agreed in writing that this is my debt.. In my eyes I think if the original creditors sold the debt to a collection agency why would they both be try to collaborate a debt? Or report on my credit as if its different companies. Thats hurting my credit as well as I dont have any knowledge of these companies. There are breaking Federal law. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

I asked that you kindly look into to this matter and help me solve this problem I dont have a problem going down to the court and putting an answer in which I will be doing this week.But I do know they are breaking the credit laws and Im willing to defend myself according to the credit laws I have rights. I got served on XX/XX/XXXX and today is XX/XX/XXXX Ive been actively seeking help Ive contacted legal aid still waiting on a response Ive contacted lawyers but I dont have money to pay lawyer fees.. So when I called your office I was told to put a complaint in.. 

Below are the credit reports from XX/XX/XXXX and XX/XX/XXXX The court papers The creditors letters The letters I wrote to all XXXX Credit Bureaus My ID and Bill for address verification Thank you Sincerely XXXX XXXX

Company response to consumer: Closed with explanation