Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Galaxy Capital Acquisitions, LLC
State: IL

Complaint narrative:
I am filing this complaint regarding unlawful and fraudulent debt collection activity by Galaxy International Purchasing , LLC. 
XXXX. No Creditor Relationship I have never engaged in any contractual agreement or creditor relationship with Galaxy International Purchasing , LLC. They are not my creditor, and they have no lawful right to hold or enforce any security interest to collect a debt against me. 
XXXX. Failure to Verify Debt Galaxy International Purchasing , LLC has failed to properly verify any alleged debt owed by me, either to them or to XXXX XXXX XXXX, which they claim as the original creditor for the account ending in XXXX. The alleged debt was already paid in full to XXXX XXXX XXXX XXXX in XX/XX/XXXX in the amount of {$1300.00}, prior to the companys rebranding. 
XXXX. Prior Dispute and Lack of Validation In XXXX, I disputed this alleged debt with XXXX XXXX XXXX, the agency representing the account at that time. As part of that dispute, I specifically requested : The original signed agreement or contract creating this obligation. 
The name and address of the original creditor. 
A complete payment and account history, including how the balance was calculated. 
Documentation proving Galaxy International Purchasing , LLC had the legal right to own or collect this debt. 
Verification of their license to collect debts in my state.

Despite this request, no validation was provided. Instead, during the active dispute, the debt was sold twice. To date, no resolution or explanation has been given.

4. Efforts to Resolve I have made multiple attempts to resolve this matter directly by contacting representatives of Galaxy International Purchasing , LLC through their affiliated agencies, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. None of these attempts have resulted in a resolution, and no effort has been made on their part to address my concerns. 
XXXX. Unlawful Collection Activity As of XX/XX/XXXX, Galaxy International Purchasing , LLC has reported this alleged debt to my credit report as a collection account. By continuing to pursue collection on a debt that has been satisfied, failing to validate the debt, selling the debt while under active dispute, and misreporting to credit bureaus, Galaxy International Purchasing , LLC has engaged in unlawful debt collection practices and fraudulent violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Summary Galaxy International Purchasing , LLC is attempting to collect a debt that has already been paid in full and continues to report false information to the credit bureaus. Their failure to validate the debt, combined with their use of multiple agencies to pursue unlawful collection, constitutes abuse, misrepresentation, and fraud. 

I respectfully request that the CFPB investigate this matter, require Galaxy International Purchasing , LLC to immediately remove this fraudulent collection from my credit report, and hold them accountable for their unlawful and deceptive practices.

Company response to consumer: Closed with explanation