Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to report violations of multiple federal statutes in connection with the furnishing and reporting of information related to the above-referenced account, allegedly originated by XXXX XXXX  XXXX XXXX, with Gurstel Law Firm acting on its behalf. 

# # # Inaccurate Furnishing of Consumer Report Information Pursuant to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. I have had no direct transactional or experiential relationship with Gurstel Law Firm. Therefore, any reporting of payment history, charge-off status, or debt-related information by or through Gurstel Law Firm lacks a lawful basis and is inaccurate by definition.

Further, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits any person from furnishing information to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. The continued reporting of this account as an enforceable consumer debt is inaccurate and misleading. 

# # # Charge-Off / Cancelled Debt Mischaracterization Under IRS definitions , a charge-off or cancelled debt constitutes income, commonly referred to as a certificate of indebtedness, and is treated as gross or ordinary income for tax purposes. Income is not a consumer debt and is not reportable on a consumer credit report. 

Despite this, the account has been reported as a debt obligation rather than income, rendering the reporting inaccurate. No Form XXXX has ever been provided to me for the alleged cancelled amount of {$5000.00}, preventing proper tax reporting and raising serious concerns regarding improper characterization and furnishing of information. 

# # # Notice of Inaccuracy Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), a furnisher may not continue to report information after receiving notice from the consumer that specific information is inaccurate. This correspondence constitutes formal notice that the reporting of this account is inaccurate, misleading, and unverifiable. 

# # # Privacy and Authorization Revocation I am also exercising my rights under federal privacy and consumer protection laws. Pursuant to : - 5 U.S.C. 552a ( Privacy Act of 1974 ), and - 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), I hereby revoke any and all authorizationswritten, verbal, electronic, or otherwisethat may have been asserted to access, use, share, or furnish my personal or financial information. This revocation is effective immediately and indefinitely. 

# # # Requested Relief I respectfully request that the CFPB require the following corrective actions : XXXX. Immediate cessation of any furnishing or reporting of this account as a consumer debt. 
XXXX. Correction or removal of any inaccurate information reported to consumer reporting agencies. 
XXXX. Written confirmation of the legal basis for Gurstel Law Firms authority to act on behalf of XXXX XXXX, XXXX, if such authority exists. 
XXXX. Confirmation that my personal information is no longer being improperly accessed, used, or disseminated. 

Failure to correct this matter constitutes continued violations of the Fair Credit Reporting Act and related federal statutes.

Company response to consumer: Closed with explanation