Consumer complaint received 2025-11-17 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: Faloni Law Group
State: NJ

Complaint narrative:
CFPB COMPLAINT LETTER XXXX XXXX XXXX / Faloni Law Group / False Service & Deceptive Debt Collection To : Consumer Financial Protection Bureau ( CFPB ) RE : Formal Complaint XXXX XXXX XXXX & Faloni Law Group : False/Improper Service of Process, Deceptive Collection Practices, Filing of Erroneous Court Documents, Fraudulent Default Judgment, and Credit Reporting Violations Dear CFPB Representative , I am submitting this formal complaint against XXXX XXXX XXXX and XXXX representing counsel, Faloni Law Group ( Attorney XXXX XXXX XXXX XXXX XXXX ID XXXX ), regarding serious violations of federal consumer-protection laws, including fraudulent service practices, deceptive debt-collection conduct, and unlawful credit reporting. 

XXXX. Background & Summary of Violations According to the court docket in XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, filed in XXXX XXXX Special XXXX XXXX, a lawsuit was allegedly initiated against me on XX/XX/XXXX, by XXXX XXXX XXXX XXXX A default judgment of {$820.00} was entered on XX/XX/XXXX, and a writ of execution was issued on XX/XX/XXXX. 


XXXX XXXX I had no knowledge of this lawsuit, was never properly served, and only learned of the judgment after adverse actions were taken against me and after the debt appeared on my credit reports. 

The docket reflects RS ( receipt of service ) dated XX/XX/XXXX, but this is false. I was never personally served, never received certified mail, never received notice, and never had an opportunity to challenge the debt, defend myself, or appear in court. 

This constitutes fraudulent or defective service of process, which is a known and documented pattern with XXXX XXXX and its affiliated collection law firms nationwide. 

XXXX. Violations of XXXX XXXX a. Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX and Faloni Law Group violated multiple FDCPA provisions, including : 15 U.S.C. 1692e using false, deceptive, or misleading representations Filing a certificate of service falsely claiming service occurred.

15 U.S.C. 1692f using unfair or unconscionable means Securing a default judgment through defective service.

15 U.S.C. 1692d conduct intended to harass or abuse Using court filings to obtain a judgment without proper notice.

15 U.S.C. 1692g failure to provide a valid debt-validation notice I never received any initial letter, validation rights, or notice of the alleged debt.

b. Fair Credit Reporting Act ( FCRA ) By reporting this debt and judgment without providing notice or validation rights, XXXX violated : 15 U.S.C. 1681s-2 ( a ) furnishing inaccurate or unverifiable information 15 U.S.C. 1681s-2 ( b ) failing to conduct reasonable reinvestigation after dispute Failure to report the debt as disputed Furnishing a judgment that was unlawfully obtained XXXX. XXXX XXXX 's History of Misconduct ( Relevant Case Law & Warnings ) XXXX XXXX has an established history of engaging in deceptive or unlawful collection practices, including : XXXX Funding, XXXX XXXX XXXX ( Maryland ) XXXX was sanctioned for operating as an unlicensed collection agency and filing thousands of improper suits. The court called their conduct illegal and deceptive. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) A class action where debt XXXX used false affidavits and sewer service to obtain default judgmentsextremely similar to the issues in my case. 

XXXX and XXXX XXXX enforcement actions XXXX has been repeatedly accused of : Filing lawsuits without proof of ownership Using sewer service tactics Filing robo-signed or false affidavits Pursuing default judgments without valid notice This pattern supports my complaint that XXXX Funding and its counsel routinely engage in improper service and deceptive litigation tactics, and my case appears to follow the same unlawful pattern. 

XXXX. Specific Issues in My Case Needing Investigation a. Fraudulent/Improper Service The dockets RS ( receipt of service ) is false. I never received : personal service certified mail regular mail notice of default judgment notice of any hearing notice of writ of execution This violates both federal law and New Jersey Court Rule 6:2-3 ( d ) governing Special Civil Part service requirements.

b. Fabricated Court Filings The CERT OF PROOF and request for default judgment filed on XX/XX/XXXX appear to rely on defective or false service documentation. 

XXXX Debt Ownership Not Proven XXXX Funding frequently fails to provide : chain of title bill of sale assignment documents original creditor records admissible evidence of ownership None of which I ever received or was given a chance to review. 

XXXX FCRA Violations in Credit Reporting LVNV ( and possibly XXXX XXXX XXXX on their behalf ) has furnished information to the three major credit bureaus despite : lack of proof of ownership a judgment obtained through fraud failure to notify me of my rights failure to conduct reasonable investigations e. Attorney Misconduct ( Faloni Law Group ) Given the false service entry and the court filings, I request review of the actions taken by attorney XXXX XXXX XXXX, including whether : fraudulent affidavits were filed improper service was knowingly claimed documentation was robo-signed debt ownership was misrepresented XXXX. Requests for CFPB Action I am requesting the CFPB to : 1. Investigate XXXX XXXX XXXX and Faloni Law Group For deceptive, abusive, and fraudulent debt-collection practices.

2. Require LVNV to Provide Proof of : Valid service of process Valid debt ownership and chain of title Full accounting and itemization All communications and notices allegedly sent 3. Require Immediate Removal of All Credit Reporting LVNV must delete all related entries from : Experian Equifax TransUnion Because the debt is unvalidated and the judgment was unlawfully obtained.

4. Require LVNV to Contact the Court And formally correct/withdraw : false certificate of service request for default judgment writ of execution 5. Investigate for Violations of FDCPA, FCRA, and Consumer Protection Laws.

6. Request Full Compliance, Sanctions, and Corrective Action.

6. Supporting Documentation I am prepared to provide the full case summary, docket, and all supporting evidence, including the courts Special Civil Part record ( attached in this complaint ). 


ESX XXXX XXXX. Conclusion This judgment was obtained through fraudulent service, misleading court filings, and violations of federal consumer-protection statutes. XXXX XXXX conduct has harmed me financially, damaged my credit, and deprived me of due process. 

I request the CFPB take immediate action to investigate and compel XXXX XXXX XXXX to comply with all federal and state laws, withdraw the unlawful judgment, and delete all credit reporting associated with this matter. 

Sincerely, XXXX XXXX XXXX Park Pl, XXXX, NJ XXXX XXXX XXXX

Company response to consumer: Closed with explanation