Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I am submitting a formal complaint regarding the conduct of XXXX XXXX XXXX, P.C., who initiated legal action against me in XXXX XXXX Case # XXXX concerning XXXX alleged XXXX XXXX XXXX XXXX XXXX XXXX 

I was first made aware of any issue when I was served a summons in XX/XX/XXXX. Prior to this summons, I had never received any communication from XXXX XXXX XXXX regarding these accounts. Immediately after receiving the summons, I contacted XXXX XXXX XXXX XXXX, who informed me that the accounts had been sold to a third-party collection agencynot to their attorneysand that they no longer had any information available. 

I then sent XXXX XXXX XXXX, as well as the court, a written request for debt validation and a cease-and-desist notice, instructing them to halt all collection activity until they properly validated the alleged debts pursuant to federal law. Despite receiving this request, they did not cease collection efforts, nor did they provide lawful validation. Their only response was XXXX year of statements from XXXX, which does not meet the federal definition of debt validation. I requested full account histories, including all debits, credits, insurance claims, and a copy of any contract or agreement bearing my signature. 

I also informed them that I am a victim of identity theft, supported by police reports filed in XXXX and an FTC Identity Theft Report, all of which were submitted to both the court and XXXX XXXX XXXX. Even after receiving these documents, they continued to pursue collection on unvalidated debts. 

XXXX XXXX XXXX also misrepresented themselves as attorneys for XXXX XXXX, which XXXX XXXX has confirmed is not accurate. They acted as a third-party debt collector while concealing their true role, which is a deceptive practice prohibited under federal law. 

Additionally, I experienced serious issues with the court process. I was provided with an incorrect court date, and although I appeared and requested dismissal when the plaintiff did not attend, the judge declined to dismiss the case with prejudice. I was never issued an updated summons or corrected court notice. I have now appeared in court XXXX separate times, and another hearing is scheduled for XX/XX/XXXX, despite my continued submission of evidence showing identity theft and lack of validation. XXXX XXXX XXXX has also sent multiple different attorneys, XXXX of whom had not even reviewed the FTC report or police reports previously submitted. 

I am filing this complaint under violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). Their conduct includes, but is not limited to : Failure to provide proper validation of the alleged debts after receiving my written request; Continuing collection activity on unverified, inaccurate, or potentially fraudulent accounts ; Misrepresenting their role and using deceptive or misleading tactics in an attempt to collect a debt ; Attempting to enforce alleged debts without proof of ownership, contract, or chain of title ; Continuing to pursue legal action after receiving police reports and an FTC Identity Theft Report ; Violating my rights under the FDCPA and FCRA by failing to cease collection pending validation. 

I am requesting the Attorney General XXXX XXXX to investigate the actions of XXXX XXXX XXXX, XXXX, as their continued misconduct, misrepresentation, and disregard for federal law have caused significant hardship and unnecessary court involvement. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation