Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Pre-Litigation Settlement Demand FDCPA, FCRA & Tennessee Law Violations Account Number : XXXX To Whom It May Concern : This letter serves as a formal pre-litigation settlement demand regarding your continued unlawful collection activity and credit reporting of the above-referenced alleged account.

I have previously sent multiple written disputes, including a Third and Final Notice of Failure to Comply, requesting : A copy of the original signed agreement Complete purchase agreement and chain of title Proof of lawful assignment and ownership Documentation of a reasonable investigation Identification of the individual who verified the account Instead of providing competent evidence, you have repeatedly sent account summaries and billing statements, which do not satisfy validation requirements under federal law.

Despite my disputes, you have continued to : Furnish the alleged debt to consumer reporting agencies Report the account without competent documentation Fail to demonstrate lawful standing and ownership Your conduct constitutes violations including but not limited to : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n and 1681o Willful and negligent noncompliance 15 U.S.C. 1692e and 1692f ( if applicable debt collector ) Tenn. Code Ann . 62-20-101 et seq. Unlawful collection practices Additionally, XXXX XXXX publicly securitizes receivables through asset-backed securities trusts. If this account was securitized or assigned, beneficial ownership may have been transferred. You have failed to provide documentation establishing your present legal standing to enforce or report the alleged obligation.

Continued reporting without proof of ownership and proper investigation constitutes ongoing harm to my creditworthiness, reputation, and financial opportunities.

________________________________________ SETTLEMENT DEMAND To resolve this matter without litigation, I am willing to settle under the following terms : 1. Immediate deletion of the alleged account from all consumer reporting agencies 2. Written confirmation of deletion 3. Payment to me in the amount of {$7500.00} in full settlement of all claims This amount reflects statutory damages, ongoing harm, and the costs associated with filing suit.

If I do not receive written acceptance of this settlement offer within 14 days of receipt, I am prepared to initiate legal action seeking : Statutory damages under FDCPA Actual and punitive damages under FCRA for willful noncompliance Court costs and attorneys fees Any additional relief permitted by law This offer is made in good faith for settlement purposes only and is not an admission of liability.

You now have the opportunity to resolve this matter privately before litigation proceeds.

Govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation