Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
* * * THIS IS NOT A DUPLICATE COMPLAINT - CFPB SYSTEM AUTO CANCELLED MY PREVIOUS COMPLAINT * * * What happened : I am filing this complaint against Blitt and Gaines P.C. for documented violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with their attempt to collect an alleged XXXX XXXX debt on behalf of XXXX XXXX XXXX Bank. Background : After Radius Global Solutions closed their file without validating the debt, Blitt and Gaines P.C.a collection law firm in XXXX XXXX, Illinoissent me a collection letter dated XX/XX/XXXX. Violation 1 Failure to Acknowledge Disputed Status ( 15 U.S.C. 1692e ( 8 ) ) : This account has been disputed since XX/XX/XXXX, XXXX my formal Cease and Desist and dispute letter was delivered to the prior collector, Radius Global Solutions, via Certified Mail. My dispute letter explicitly invoked 12 C.F.R. 1006.38 and required any subsequent possessor be notified the account was DISPUTED IN ITS ENTIRETY. Blitt and Gaines XX/XX/XXXX collection letter contains no reference to any prior dispute. Credit reports pulled XX/XX/XXXX and XX/XX/XXXX confirm no Consumer Disputes notation appears on either XXXX or XXXX. This establishes a clear breakdown in consumer credit tracking : either Blitt & Gaines is failing to communicate the active dispute status to XXXX XXXX, or XXXX XXXX is failing to accurately update consumer credit profiles despite ongoing downstream disputes. Violation 2 Prohibited Third Party Contact ( 15 U.S.C. 1692c ( b ) ) : On XX/XX/XXXX, Blitt and Gaines called my mothers personal cell phone at our shared residence without my consent. My mother is not the debtor on this account, has no legal obligation for this debt, and Blitt and Gaines already possessed my name, address, and contact information. The call is documented in my mothers call log. No voicemail was left. This call served no legitimate location-tracking purpose under the FDCPA and constitutes a prohibited third-party communication. Violation 3 Unauthorized Account Modification and Security Concern ( 15 U.S.C. 1692e ) : On XX/XX/XXXX, I received a letter from XXXX XXXX dated XX/XX/XXXX, notifying me that the phone number on my account ending in XXXX had been updated " as requested. '' I did not request this change. I have had no contact with XXXX XXXX regarding this account at any point during the collection process. I did not authorize any third party to access or modify my account information with XXXX XXXX. The modification of a charged-off account 's contact information without the account holder 's knowledge or authorization while it is assigned to an outside collection agency is a matter of serious concern that I am bringing to the CFPB 's attention as part of this complaint. A copy of the XXXX XXXX security notification dated XX/XX/XXXX, is attached. Violation 4 Deceptive and Misleading Communication / Identity Discrepancy ( 15 U.S.C. 1692e ) : On XX/XX/XXXX, I received a sealed envelope from Blitt and Gaines P.C. postmarked XX/XX/XXXX, from XXXX XXXX, IL XXXX. The envelope was addressed to XXXX XXXX XXXX deceased father who passed away XX/XX/XXXX. Inside was a certified copy of my fathers official Indiana XXXX death certificate with no accompanying explanation or letter. I am XXXX XXXX XXXX. My father was XXXX XXXX XXXX. The XXXX XXXX account ending in XXXX was opened XX/XX/XXXX, XXXX years after my fathers death. This evidence suggests deep discrepancies in the collection file data ; internal research has associated a XXXX active consumer credit file with a deceased individual 's public records from XXXX. Furthermore, XXXX XXXX has previously requested my Social Security Number ( SSN ) to clarify information on this file, confirming that accurate identifying matching criteria are missing or mismatched between the creditor and the outsourced collection agencies. Sending a deceased individual 's government records to an address without authorization or context constitutes a misleading and highly irregular representation under 1692e, undermining the agency 's legal standing to verify and collect this debt. Violation 5 Defect in XXXX of XXXX ( 15 U.S.C. 1692e ( 2 ) ( A ) ) : XXXX XXXX notified me via letter dated XX/XX/XXXX, that this account was transferred to XXXX XXXX XXXX XXXX ( XXXX ). Blitt and Gaines XX/XX/XXXX letter states they are collecting directly for XXXX XXXX XXXXXXXX XXXX with no reference to XXXX. Combined with the underlying identity data mismatches and missing file criteria, the chain of custody remains unestablished, raising material questions regarding the legal standing to collect this debt. What I did : I sent a formal Notice of Dispute and Settlement Offer to Blitt and Gaines on XX/XX/XXXX, delivered via Certified Mail on XX/XX/XXXX, at XXXX XXXX in XXXX XXXX, IL. The letter documented all violations, including the previous violations that XXXX XXXX XXXX committed with evidence ( attached here ) to address this previously and offered {$2500.00} as a full and final settlement with a XXXX business day expirationapproximately XX/XX/XXXX. What Blitt and Gaines did : Blitt and Gaines did not respond to my settlement letter within the XXXX business day window. Only receiving an unauthorized contact with my mother and a death certificate pertaining to my deceased father. I also received notice from XXXX XXXX on XX/XX/XXXX, that my account contact information was modified without my authorization while the file was actively assigned to outside collection counsel. As of the date of this complaint ( XX/XX/XXXX ), Blitt & Gaines has provided no formal response, counteroffer, or compliant validation.

Company response to consumer: Closed with explanation