Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
Complaint Against Turnstile Capital Management LLC Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX I am filing this complaint against Turnstile Capital Management LLC, a debt collection agency with whom I have never done business. I have never signed any contract or agreement granting them permission to collect or share my personal information with other third party zombie debt collectors. The fact that they have acquired my personal information and are selling it to other 3rd party zombie debt collectors is Identity Theft which is proof of illegal unlaw acts against this Consumer. I have documented proof that Turnstile Capital Management has unlawfully used my personal information to claim an alleged debt that does not belong to me, in violation of federal law. 

Details of the Complaint : 1. Violation of 15 U.S.C. 1681b Permissible Purpose of Consumer Reports Turnstile Capital Management LLC does not have my written consent to access or report anything on my consumer report. Yet, they have sold an Unverified debt to a 3rd party debt collector who after disputing with them decided to send the alleged debt back to Turnstile Capital Management LLC which is unlawfully reported false and damaging information to consumer reporting agencies, violating my privacy.

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt I have requested that Turnstile Capital Management provide valid proof of this alleged debt, including the " Purchase Agreement '' from the original creditor. They have failed to provide this or any documentation that establishes their legal grounds for collection efforts. 

3. Violation of 15 U.S.C. 1681s-2 Furnishers Responsibility to Report Accurate Information Turnstile Capital Management LLC is actively furnishing false and damaging information to consumer reporting agencies through other 3rd party debt collects like National Recovery Solutions LLC , which has harmed my credit score and reputation.

4. Violation of 15 U.S.C. 1692j Furnishing Deceptive Forms By reporting this unverified and illegitimate debt, Turnstile Capital Management LLC is engaging in deceptive practices designed to damage my credit and reputation. They have also collaborated with National Recovery Solutions to report inaccurate information. 

5. Violation of 15 U.S.C. 1692f Unfair and Unconscionable Practices Turnstile Capital Management LLC continues to attempt to collect an alleged debt secretly through other 3rd party debt collectors, without authorization or validation, which is an unfair practice. They have reported unauthorized information without any legal justification. 

6. Violation of 15 U.S.C. 1692e False and Misleading Representations Turnstile Capital Management LLC has made false representations by claiming that I owe an alleged debt through National Recovery Solutions LLC, without providing any supporting evidence, leading to misleading reports to the credit bureaus.

7. Violation of 15 U.S.C. 1692c ( b ) Disclosing Alleged Debt to Unauthorized Third Parties They have unlawfully disclosed this alleged debt to consumer reporting agencies without my consent, further violating my rights under the FDCPA.

8. Violation of 47 U.S.C. 227 Telephone Consumer Protection Act ( TCPA ) I have been subjected to repeated and unauthorized communications from Turnstile Capital Management LLC without my consent, violating the TCPA.

9. Violation of 15 U.S.C. 1681c Requirements Relating to Information Contained in Consumer Reports The company is reporting inaccurate and damaging information in my consumer reports, violating federal standards for report accuracy.

10. Violation of 15 U.S.C. 1611 Criminal Liability for Willful and Knowing Violations Turnstile Capital Management LLCs willful and knowing violations of federal consumer protection laws should subject them to criminal liability.

11. Violation of 15 U.S.C. 1692c ( c ) Failure to Cease Communications Despite disputing this alleged debt and requesting that all communications cease, Turnstile Capital Management LLC has continued to unlawfully contact me in an attempt to collect the alleged debt.

Resolution Requested : I request that Turnstile Capital Management LLC immediately cease and desist all communications with me, including the sale or reporting of any alleged debt. Additionally, I demand that they provide the " Purchase Agreement '' from the original creditor, which they claim gives them the right to collect this alleged debt. If Turnstile Capital Management LLC fails to comply, I am prepared to pursue civil actions under 15 U.S.C. 1692k so pay me $ 1k per violation that I have found above.

Thank you for addressing this matter.

Company response to consumer: Closed with explanation