Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lloyd & McDaniel, PLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX, KY XXXX XXXX Subject : Formal Notice of Violations of Consumer Rights and Demand for Cease and Desist Account Numbers : XXXX XXXX To Whom It May Concern, I am writing regarding your recent attempts to collect on the alleged debts referenced above. Let me be clearI am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and your actions thus far have demonstrated blatant disregard for these protections.

After reviewing your correspondence and conducting my own investigation, I have identified the following violations and misleading practices committed by your company : 1. Misrepresentation of Your Role : You present yourselves as " debt collectors, '' yet my research clearly indicates that Lloyd & McDaniel , PLC, is a law firm. This deliberate misrepresentation is a deceptive practice designed to intimidate consumers and is in violation of 15 U.S. Code 1692e - False or Misleading Representations. 
2. Improper Creditor Designation : XXXX XXXX XXXX is listed as the " creditor '' in this matter. However, under the FCRA, a creditor is defined as a person who offers or extends credit creating a debt. An entity that acquires debt solely for collection purposes does not meet this definition. This misclassification is intentionally misleading and violates 15 U.S. Code 1692e ( 10 ), which prohibits the use of false representation or deceptive means to collect a debt.

3. Abusive and Extortionate Practices : Your attempts to pressure me into paying this alleged debt amount to abusive collection tactics. Using deceptive or intimidating language to extort money is a clear violation of 15 U.S. Code 1692d - Harassment or Abuse.

4. Failure to Validate Debt : You have failed to provide proper validation of these alleged debts as required under 15 U.S. Code 1692g ( b ). I demand you immediately cease collection activities until you can furnish the following documentation : o A copy of the original agreement or contract bearing my signature.

o A detailed breakdown of how the alleged debt amount was calculated, including fees, interest, and charges.

o Proof of your legal authority to collect on these debts, including documentation of chain of custody.

5. Violation of My Right to Be Informed : Your communications have been confusing, vague, and riddled with misrepresentations, further violating my rights under the FCRA and FDCPA. 
Given these egregious violations, I demand the following actions be taken immediately : Cease and desist all collection activities related to these alleged debts. 
Provide full validation of the debts, including all requested documentation, within 30 days. 
Correct any inaccuracies or misrepresentations in your communications regarding this matter. 
If you fail to comply with this demand, I will have no choice but to take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 
Seek monetary damages for violations of the FDCPA and FCRA, as allowed under 15 U.S. Code 1692k and 15 U.S. Code 1681n.

Pursue all available legal remedies, including filing a civil lawsuit for damages resulting from your abusive and deceptive practices.

I expect a formal written response within 30 days of receipt of this letter. Let me remind you that this is not a negotiation. As a consumer, I demand to be treated with the respect and fairness required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation