Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
I am filing this complaint against Grant & Weber Inc. for continued reporting and collection activity regarding an alleged XXXX XXXX XXXX  collection account in the amount of {$650.00} ( Account No. XXXX ) that is being reported to XXXX. 

I have formally disputed and requested validation of this alleged debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Despite this request, Grant & Weber Inc. has failed to provide competent validation establishing liability or ownership of this debt. 

Specifically, Grant & Weber Inc. has not provided : Any bill of sale or assignment demonstrating transfer of collection rights from Firefighters First FCU A breakdown or itemization explaining how the alleged {$650.00} balance was calculated A copy of the original contract or agreement bearing my signature Proof that Grant & Weber Inc. is legally authorized to report or collect this debt Despite this lack of validation, Grant & Weber Inc. continues to report this account to Experian as a valid collection, constituting continued collection activity and communication of a disputed debt to third parties. 

Violations FDCPA 1692g ( b ) Failure to Validate Grant & Weber Inc. has continued collection and credit reporting activity without first providing proper validation. Once validation is requested, all collection activity must cease until verification is provided. 

FDCPA 1692e ( 8 ) False or Misleading Credit Reporting Furnishing disputed and unverified information to Experian misrepresents the character and legal status of the alleged debt. 

FDCPA 1692c ( c ) Cease & Desist / Refusal to Pay I have formally refused to pay this alleged debt and demanded cessation of all collection activity, including credit reporting. 
Credit reporting constitutes collection activity, as held in : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Grant & Weber Inc.s continued reporting after a refusal to pay violates FDCPA 1692c ( c ).

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) Furnisher Duties As a data furnisher, Grant & Weber XXXX is required to ensure maximum possible accuracy and to reasonably investigate disputes forwarded by consumer reporting agencies. Continued reporting of unvalidated information violates these provisions. 

Refusal to Pay & Cease and Desist Notice I hereby refuse to pay this alleged debt and demand that Grant & Weber Inc. immediately cease all collection activity, including but not limited to : Credit reporting Furnishing updates to any consumer reporting agency Communicating information about this alleged debt to any third party Any further attempts to collect, report, or communicate regarding this account will be treated as willful and knowing violations of federal law.

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