Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
I am submitting this response regarding the explanation provided by Waypoint Resource Group in connection with my complaint. After reviewing their response, I acknowledge that Waypoint Resource Group has stated that they have XXXX XXXX updated and withdrawn the account as of XX/XX/year>XXXX XXXX XXXX and that they have ceased all communication related to the alleged debt. While I appreciate that Waypoint Resource Group has acknowledged the dispute and indicated that the account has been withdrawn internally, their response does not fully resolve the issue as it relates to my credit report. Specifically, the response does not clearly confirm that the * * tradeline associated with Waypoint Resource Group has been permanently deleted from all credit reporting agencies * *, nor does it provide written assurance that the account will not be reinserted or reported again in the future. Therefore, I am submitting this follow-up response to formally request * * complete d eletion and permanent removal of the Waypoint Resource Group tradeline from my credit report * * with all credit reporting agencies, including but not limited to XXXX XXXX XXXX XXXX -- - # # ACCOUNT DOES NOT BELONG TO ME IDENTITY THEFT CLAIM I want to reiterate that I do not recognize the account associated with Waypoint Resource Group and did not authorize any financial obligation or transaction related to this account. Because I do not recognize this account and believe it may have been created through unauthorized use of my personal information, I filed an * * identity theft report with the Federal Trade Commission ( FTC ) * *. The filing of an FTC identity theft report is a serious action that is taken when a consumer believes their personal information has been used without their consent. This report serves as official documentation that the account in question is disputed as fraudulent. XXXX XXXX XXXX response acknowledges that I have disputed the account as fraud/identity theft. However, acknowledging the dispute alone is not sufficient. The proper resolution under federal law requires that any account determined to be fraudulent or unverifiable must be * * removed entirely from the consumers credit file * *. -- - # # WITHDRAWAL IS NOT THE SAME AS DELETION Waypoint Resource Group states that they have updated and withdrawn the account. However, withdrawal of an account internally does not necessarily mean that the account has been removed from my credit report. There is a critical distinction between : Internal withdrawal or closure of an account Suppression of collection activity Permanent deletion of a tradeline from all credit reporting agencies A fair and complete resolution requires * * full deletion * *, not merely withdrawal or cessation of collection efforts. If the account remains on my credit report in any formwhether marked as disputed, closed, or inactiveit continues to harm my credit profile and financial standing. Therefore, I am requesting explicit confirmation that : The Waypoint Resource Group tradeline has been * * permanently deleted * * The account has been removed from * * all three major credit bureaus * * The account will * * not be reinserted * * in the future -- - # # CONTINUED REPORTING IS UNLAWFUL IF NOT VERIFIED Under the Fair Credit Reporting Act, companies that furnish information to credit reporting agencies must ensure that the information they report is accurate and verifiable. Specifically : # # # 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain procedures to ensure maximum possible accuracy. # # # 15 U.S.C. 1681i ( a ) Requires reinvestigation of disputed information and deletion if unverifiable. # # # 15 U.S.C. 1681s-2 ( b ) Requires furnishers ( like Waypoint ) to investigate disputes and correct or delete inaccurate data. Because Waypoint Resource Group has already acknowledged the dispute and withdrawn the account, this strongly indicates that they can not fully verify the account as belonging to me. If the account can not be verified with : A signed contract Proof of authorization Full chain of assignment Verified identity linkage then the law requires that the account be * * deletednot simply marked disputed or withdrawn * *. -- - # # FAILURE TO PROVIDE VALIDATION At no point has Waypoint Resource Group provided sufficient documentation proving that : I opened the account I authorized any services I agreed to any financial obligation The balance being claimed is accurate A valid debt requires more than internal records or third-party data. It requires * * legally enforceable documentation * * tying the account directly to me. Without this documentation, the account remains * * unverified * *, and continued reporting would be a violation of federal law. -- - # # HARM CAUSED BY THE TRADELINE The presence of this account on my credit report has caused significant harm, including but not limited to : Lowered credit score Negative impact on lending decisions Financial stress and reputational harm Difficulty obtaining credit or favorable terms Even if the account is marked as disputed or inactive, its presence still negatively affects my credit profile. This is why deletionnot suppressionis the only acceptable resolution. -- - # # IDENTITY THEFT PROTECTION UNDER FCRA 605B Under * * 15 U.S.C. 1681c-2 ( FCRA Section 605B ) * *, when a consumer submits an identity theft report : The credit bureau must block the fraudulent information The furnisher must not continue reporting unverifiable data The account must not appear on the consumers credit file Because I have filed an FTC identity theft report and disputed this account as fraudulent, the account qualifies for * * mandatory blocking and removal * *. -- - # # NO REINSERTION WITHOUT NOTICE Additionally, under * * FCRA 611 ( a ) ( 5 ) ( B ) * * : If information is deleted, it * * can not be reinserted * * unless : It is fully verified The consumer is notified in writing Therefore, I am requesting written confirmation that : The account will not be reinserted No future reporting will occur without full validation I will be notified if any attempt is made to re-report -- - # # REQUIRED ACTIONS FOR FAIR RESOLUTION To fully resolve this matter, Waypoint Resource Group must take the following actions : # # # 1. Permanent Deletion Remove the tradeline from all credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Written Confirmation Provide written confirmation that the account has been deleted # # # XXXX. No Re-reporting Confirm that the account will not be reinserted without proper verification # # # 4. Notify Bureaus Immediately Ensure all credit reporting agencies update my file accordingly # # # 5. Cease All Reporting Activity Not just communication * * reporting itself must stop * * -- - # # FINAL POSITION I appreciate that Waypoint Resource Group has acknowledged the dispute and indicated that the account has been withdrawn. However, withdrawal alone is not sufficient to resolve the harm caused by inaccurate credit reporting. The only fair and lawful resolution is : * * Complete deletion of the tradeline from all credit reporting agencies * * Until this occurs, the issue remains unresolved. -- - # # CONCLUSION I respectfully request that this matter be finalized through : Immediate deletion of the Waypoint Resource Group account Written confirmation of removal Assurance that the account will not be reinserted I am not refusing responsibility for legitimate debts. However, I will not accept responsibility for an account that I did not authorize, do not recognize, and that has not been properly validated. Accurate credit reporting is essential under federal law, and consumers must be protected from the harmful effects of identity theft and inaccurate reporting. I expect full compliance with the Fair Credit Reporting Act and a prompt resolution to this matter. Thank you.

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