Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Subject : Follow-Up CFPB Complaint ID XXXX XXXX  / XXXX XXXX ( Insufficient XXXX XXXX XXXX for XXXX ) I filed a complaint regarding the XXXX  and XXXX  accounts ( CFPB Complaint ID above ). XXXX XXXX XXXX XXXX response is legally insufficient and fails to validate the debts as required by federal consumer protection law. 

Summary of deficiencies XXXX produced only generic cardholder agreements and billing statements that do not : ( a ) show original signed contracts bearing my signature; ( b ) show chain-of-title or assignment documents proving legal ownership at the time of reporting ; or ( c ) demonstrate the specific procedures and documents relied upon to verify these tradelines with consumer reporting agencies ( XXXX  ). 

XXXX concedes the accounts were sold to XXXX XXXX XXXX XXXX XXXX ). Once the accounts were sold, XXXX no longer had the legal ability to verify the current accuracy or ownership of the debts they continue to report or that remain reported on my credit reports. 

The companys claimed verification is therefore unsupported and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to 611 and 623, as well as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., where applicable.

Legal basis and requested relief Under FCRA 611 and 623, furnishers and XXXX  must conduct reasonable investigations and must not continue to furnish or publish inaccurate or unverifiable information. Under FDCPA 809 ( b ), debt collectors must validate debts and cease collection/reporting until validated. Failure to comply gives rise to statutory remedies, including actual and statutory damages, costs, and attorneys fees under federal law. 

Accordingly I request the CFPB to : Require XXXX to produce within XXXX business days the following, in native/scanable PDF form : a. The original signed cardholder agreement ( XXXX ) with my signature ( XXXX ) for each alleged account. 
XXXX Complete chain-of-title/assignment documentation and purchase agreements proving legal ownership at each transfer point ( seller, buyer, dates, dollar amounts ). 
XXXX Complete payment histories from origination through the date of charge-off and thereafter, including dates of last activity, amounts, credits, and reconciliations. 
d. The specific evidence relied upon to verify the accounts with XXXX  ( and any other XXXX  ), including the internal notes, person ( XXXX ) who verified, and the method of verification. 
e. Any communications with XXXX XXXX XXXX ( XXXX ) evidencing transfer of rights and any instructions regarding reporting to XXXX. 

If XXXX can not produce documented, admissible proof within XXXX business days, require immediate deletion of these tradelines from all XXXX  and direct XXXX to XXXX any further collection efforts related to these disputed accounts. 

Regulatory and civil notice : If XXXX fails to meet these demands, I will seek all remedies available under FCRA and FDCPA, including statutory and actual damages, injunctive relief, punitive damages where applicable, and attorneys fees and costs. I will also pursue complaints with the Florida Attorney General ( FDUTPA ), the FTC, and, if necessary, commence federal litigation for willful violations of the FCRA and FDCPA. 

Respectfully, XXXX XXXX XXXX CFPB Complaint ID : XXXX

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