Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Complaint Regarding Unvalidated Debt and Improper Legal Action I am writing to file a formal complaint regarding the improper legal actions of attorney XXXX XXXX XXXX of the Rausch Sturm law firm. This complaint concerns an unvalidated debt for which I have been repeatedly threatened with legal action, in apparent violation of federal consumer protection laws. 

Background : Attorney/Law Firm Involved : Attorney : XXXX XXXX XXXX XXXX XXXX : Rausch Sturm Debt Information : Debt Type : Credit card Alleged Creditor : XXXX I have made multiple attempts to contact XXXX XXXX XXXX and Rausch Sturm via mail, email, and phone regarding this matter. 
I have formally requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 809 ( b ), which mandates that collectors must provide sufficient evidence to validate a debt upon request.

Lack of Response and Validation : Despite my efforts, neither the attorney nor the firm has provided adequate validation of the debt.

The failure to respond to my validation requests directly violates FDCPA 809 ( b ). 
Legal Action Threatened : XXXX XXXX XXXX and Rausch Sturm have attempted to take me to court for this unvalidated debt, which constitutes an additional violation of FDCPA 807, prohibiting false or misleading representations.

Violations Alleged : FDCPA 809 ( b ) : Failure to provide debt validation.

FDCPA 807 : False and misleading representation of the debt 's validity by threatening legal action without providing proper validation.

Fair Credit Reporting Act ( FCRA ) 611 : If this debt has been reported to credit bureaus, failure to ensure the debt 's accuracy before reporting it. 
Harm Caused : These actions have caused significant stress, wasted time, and jeopardized my financial stability. The improper threat of legal action and lack of response have left me with no resolution to this matter. 

Requested Resolution : Immediate Action to Cease Collection Attempts : XXXX XXXX XXXX and Rausch Sturm must immediately cease all collection attempts and legal threats until the debt is properly validated.

Debt Validation : Provide a full validation of the debt, including documentation proving that it is valid and that I am responsible for the alleged amount.

Removal of Credit Reporting ( if applicable ) : If the debt has been reported to credit bureaus, it must be removed until it is properly validated. 
Investigation and Enforcement : I request that the CFPB investigate the practices of XXXX XXXX XXXX and Rausch Sturm for potential systemic violations of federal consumer protection laws.

Assurance of Compliance : The attorney and law firm must comply with all applicable laws moving forward to avoid similar issues for other consumers.

I trust the CFPB to address this matter promptly and fairly. Please let me know if additional information is needed to proceed with this complaint. 

Thank you for your attention to this urgent matter.

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