Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Complaint and Request for Investigation Improper, Unvalidated Debt Reporting by Avante USA From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Email : XXXX Phone : XXXX Regarding : Debt Reported by : Avante USA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Phone : ( XXXX ) XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Reported : {$590.00} Date Updated : XX/XX/XXXX High Balance : {$590.00} Past Due : {$590.00} Original Creditor : XXXX XXXX XXXX Status : >Collection< Remarks : >Placed for Collection< Estimated Removal Date : XX/XX/XXXX Dear CFPB Officer, I am submitting this formal consumer complaint against Avante USA, which is currently furnishing negative information to credit reporting agencies about an alleged debt of {$590.00} claimed to originate from XXXX XXXX XXXX. 

The account is reported under partial number XXXXXXXX XXXX XXXX opened XX/XX/XXXX, updated XX/XX/XXXX, and currently in collection status with the remark Placed for Collection. 

I categorically dispute the validity, accuracy, and legal basis of this account. Avante USA has not met its burden to validate the debt under federal law, and its ongoing reporting of this account is unlawful unless proper documentation is produced. 

This complaint is made under and incorporates the protections and obligations of : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( demand for validation ) Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ( duty of furnishers to report only accurate and verifiable data ) Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016802 ( consumer data privacy and handling ) Florida Consumer Collection Practices Act ( FCCPA ), XXXX XXXX XXXX XXXX XXXX  Floridas statutory requirements for registration/licensing of consumer collection agencies under Fla. Stat . XXXX  Demands for Validation and Documentation Pursuant to the statutes above, I demand that Avante USA provide, without delay : Complete itemized accounting of the debt, including all charges, credits, interest, adjustments, and other accounting entries from inception through present. 

A certified copy of the original agreement or contract, bearing my actual signature, with XXXX XXXX XXXX, showing that I legally assumed the obligation. 

Full documentation of chain of assignment / transfer of rights under which Avante USA claims legal authority to collect : assignment contracts, bills of sale, transfer agreements, endorsements, or any transactional records that legally confer ownership. 

Insurance verification confirmation and EOBs showing whether this debt was submitted to XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX, XXXX, and/or XXXX, with amounts paid, denied, or written off. 

Proof of legal authority to collect in Florida : Here I demand that Avante USA demonstrate, with verifiable documentation, that it is registered, licensed, or otherwise authorized under Florida law to collect consumer debts, particularly in the state of Florida. This requirement is grounded in : Florida Statute XXXX which mandates that any consumer collection agency doing business in Florida must be registered with the Florida XXXX XXXX XXXX XXXX ( OFR ). 

The Florida regulatory scheme ( XXXX XXXX XXXX XXXX  ) requires fingerprinting, background checks, fees, and renewal of registration. 

Florida law also imposes retention of books, accounts, records, and documents for inspection by the state OFR for at least three years after transaction completion. 

If Avante USA is operating without the required Florida registration ( or registration is void or lapsed ), then its claims to authority are invalid under state law and it lacks legal standing to collect or report this debt accurately. 

Therefore, I require as proof : A valid Florida consumer collection agency registration number, name of registrant, and certification that it is active and not void or suspended. 

Evidence of compliance with registration prerequisites ( fingerprint background checks, payment of registration fees, etc. ). 

Evidence that this registration covers the jurisdiction ( county or region ) in which I reside ( XXXX XXXX / Florida ). 

Evidence that Avante USA maintains required records in Florida ( or accessible within Florida ) per XXXX and XXXX. 

If they claim exemption ( e.g. collection of original creditor debts, etc. ), full documentary justification under Florida law. 

This proof must leave no doubt that Avante USA has lawful authority to collect or report the debt in Florida. 

FCRA & FCCPA Obligations Under 15 U.S.C. 1681s-2, Avante USA must not report or continue to furnish negative information unless it can verify its accuracy. Under Floridas FCCPA, they are also prohibited from collecting without proper licensing, from misrepresenting legal status or authority, or from engaging in unfair or deceptive practices. 


Requested Relief Given the above, I respectfully request that the CFPB : Investigate Avante USAs compliance with federal and Florida statutes regarding collection and reporting authority. 

Demand that Avante USA provide all of the documentation enumerated above within 30 calendar days. 

Instruct Avante USA to immediately cease reporting this account to any credit bureau until full and valid proof is received.

Order the permanent deletion of this collection entry from all credit reports if Avante USA fails to validate or prove legal authority. 

If Avante USA is unable to carry its burden of proof, I will consider this debt null, and I will pursue all legal remedies under the FDCPA, FCRA, FCCPA, and related laws, including claims for damages, attorneys fees, and costs. 

Thank you for your prompt and thorough attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation