Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Longhorn Asset Management LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a debt collector that is reporting an alleged debt on my credit report despite receiving a timely dispute and failing to provide proper validation of the debt. In response to my prior dispute, the company stated the following : The account was placed with their office on XX/XX/year> A validation notice was sent by email on XX/XX/year> No dispute or verification request was received within the applicable validation period. The debt is valid and a loan agreement was provided to substantiate the obligation The statement that no dispute or verification request was received is materially inaccurate. On XX/XX/year>, the same day I received the companys email communication regarding the alleged debt, I responded directly to that email disputing the debt in its entirety. In that email I clearly stated that : I have never done business with the entities listed I dispute the debt in its entirety I requested that the company cease communications A copy of this email dispute is attached and demonstrates that my dispute was submitted during the validation period. Because my dispute was timely, the debt collector was required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) to cease collection activity until the debt was properly validated. Instead of complying with this requirement, the company : Ignored my dispute submitted during the validation period Continued collection activity Began reporting the account to credit bureaus Additionally, the alleged debt appears to have been handled by multiple collection entities, which has created significant confusion regarding who actually owns or has the legal authority to collect the account. The account has appeared under or been associated with the following entities : Longhorn Asset XXXX XXXX XXXX XXXX XXXX I received correspondence from all three entities and responded disputing the alleged debt. Despite my disputes, no response or validation was provided by any of these entities except XXXX XXXX XXXX, which instead requested that I provide a copy of my drivers license before investigating the dispute. A consumer is not legally required to provide identification before a debt collector investigates a dispute, particularly when the consumer has already disputed ownership of the account. The company claims the debt is valid and relies on a loan agreement as proof. However, the documentation provided does not establish that I am the person who incurred the alleged debt. The document also does not demonstrate : That the agreement is connected to me A chain of ownership of the alleged debt That the collector has the legal authority to collect the account Providing a generic agreement without documentation linking the agreement to the consumer does not constitute proper validation under the FDCPA or a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). I also became aware that the company accessed my consumer credit report after learning that I am actively attempting to purchase a home. Shortly thereafter, the collection account appeared on my credit report. The timing of this reporting raises serious concerns regarding the companys reporting practices and their intent. Due to the inaccuracies and improper reporting of this alleged account, I have been denied the ability to obtain housing, which has caused significant harm. Despite receiving my dispute, the company has continued reporting this account to the credit bureaus. The conduct described above raises serious concerns under federal law, including : FDCPA 1692g ( b ) Failure to honor a timely dispute and cease collection activity until validation is provided FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation after receiving notice of a dispute FCRA 1681s-2 ( a ) Reporting information that is inaccurate or can not be verified Because the company failed to properly validate the debt after receiving my dispute and has made inaccurate statements regarding the existence of my dispute, the continued reporting of this account is improper.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation