Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Credit reporting / Debt collection Company : XXXX  XXXX XXXX XXXX XXXX AND Waypoint Resource Group Problem : Inaccurate credit reporting / Failure to validate debt Complaint : I am filing this complaint against XXXX  and Waypoint Resource Group regarding an unverified XXXX collection account. Despite multiple attempts by both mail and email, the debt has never been properly validated under the Fair Debt Collection Practices Act ( FDCPA ). XXXX  has also failed to remove the account despite its obligations under the Fair Credit Reporting Act ( FCRA ). 
Timeline of Events XX/XX/year> I emailed Waypoint ( via the address listed on their official website ) with a formal debt validation request letter attached. This letter requested proof of ownership, a signed contract, an itemized breakdown, and evidence of their authority to collect in my state. 


XX/XX/year> I mailed a second, more detailed debt validation request to Waypoint ( certified mail ). 


XX/XX/year> Waypoint emailed me back, attaching only a XXXX billing statement. A billing statement is not proper validation and does not meet FDCPA 809 ( b ) requirements. 


XX/XX/year> I immediately replied to their email, pointing out that a billing statement is insufficient under FDCPA and again requesting proper validation. 


XX/XX/year> Waypoint sent me a generic debt verification letter, but it still did not include a signed contract, itemized accounting, or proof they are authorized to collect. They also falsely claimed I had submitted a cease-and-desist request, which I never did. This false statement is a violation of FDCPA 807. 


XX/XX/year> I disputed this account directly with XXXX. Under FCRA 1681i, XXXX  had 30 days to conduct a reasonable reinvestigation. 


XX/XX/year> I mailed an escalation letter to XXXX  pointing out Waypoints insufficient validation and false claims, demanding deletion. 


XX/XX/year> It has now been more than 60 days since my first request. The account still shows as verified on XXXX, even though it has never been legally validated. 


Violations Waypoint has failed to validate the debt despite multiple requests, falsely claimed I sent a cease-and-desist, and continued to report to XXXX. This violates FDCPA 807 and 809 ( b ). 


XXXX  has failed to delete the account after the 30-day reinvestigation period, in violation of FCRA 1681i. 


Requested Resolution I am requesting the immediate deletion of the Waypoint Resource Group XXXX XXXX collection account from my credit report. Continued reporting of this unverified debt is unlawful. 
Supporting Documentation I am attaching : My XX/XX/year> debt validation request ( email ), My XX/XX/year> validation request ( mail ), Waypoints XX/XX/year> email with a XXXX bill attached, My XX/XX/year> reply email rejecting the bill as insufficient, Waypoints XX/XX/year> verification letter, My escalation letter to XXXX

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