Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A.
State: CA

Complaint narrative:
Subject : Formal Complaint and Pre-Litigation Notice FDCPA and FCRA Violations by Landmark Strategy Group LLC To Whom It May Concern, I am writing to formally file a complaint against Landmark Strategy Group , LLC, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and related consumer protection laws. Your company 's blatant disregard for federal guidelines and my legal rights, along with your refusal to validate an alleged debt, constitutes unlawful actions and identity theft. 

Despite repeated requests for validation and a cease-and-desist order dated XX/XX/year>, you have continued to report negative information on my consumer report without my consent, which is a clear violation of my rights under the FCRA. Furthermore, your failure to produce the Purchase Agreement or any legal documentation granting you the authority to collect this alleged debt, combined with the unauthorized transfer of my personal information to third parties, has caused significant harm.

Violations Committed by Landmark Strategy Group , LLC : 1. Violation of 15 U.S.C. 1681b Permissible Purpose of Consumer Reports Landmark Strategy Group , LLC does not have my written consent to access, report, or transfer information on my consumer report. The fact that you have sold this unverified debt to a third party without my authorization is a violation of my privacy and FCRA guidelines. 

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt Despite my request for validation of the alleged debt, including a copy of the Purchase Agreement, Landmark Strategy Group , LLC has failed to provide any documentation that establishes legal grounds for collection efforts. You are required by law to validate any debt you claim I owe, which you have not done.

3. Violation of 15 U.S.C. 1681s-2 Furnishers Responsibility to Report Accurate Information By furnishing false and unverified information to credit reporting agencies through third-party debt collectors like XXXX XXXX XXXX you have harmed my credit score and reputation, further violating FCRA requirements.

4. Violation of 15 U.S.C. 1692j Furnishing Deceptive Forms By reporting unverified and illegitimate debt information, Landmark Strategy Group , LLC has engaged in deceptive practices designed to harm my credit standing, in collaboration with XXXX XXXX XXXX. 

5. Violation of 15 U.S.C. 1692f Unfair and Unconscionable Practices Landmark Strategy Group, LLCs attempt to secretly collect an unverified debt through third parties without proper validation or authorization is both unfair and unconscionable, violating FDCPA standards. 

6. Violation of 15 U.S.C. 1692e False and Misleading Representations Your company has made false representations by claiming I owe an alleged debt through XXXX XXXX XXXX without providing supporting evidence, leading to misleading credit reports. 

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

8. Violation of 47 U.S.C. 227 Telephone Consumer Protection Act ( TCPA ) Landmark Strategy Group , LLC has subjected me to repeated, unauthorized communications in violation of the TCPA, despite my explicit requests for all communication to cease.

9. Violation of 15 U.S.C. 1681c Requirements Relating to Information Contained in Consumer Reports Your company has reported inaccurate and damaging information on my consumer reports, failing to meet the federal standards for accuracy in credit reporting. 

10. Violation of 15 U.S.C. 1611 Criminal Liability for Willful and Knowing Violations Landmark Strategy Group, LLCs willful and knowing violations of federal consumer protection laws expose your company to criminal liability under FCRA guidelines.

11. Violation of 15 U.S.C. 1692c ( c ) Failure to Cease Communications Despite my formal dispute and cease-and-desist request, your company has continued to attempt to collect this alleged debt, constituting a violation of the FDCPA.

Resolution Requested : I demand that Landmark Strategy Group , LLC : - Immediately cease and desist all communications with me, including any further sale, reporting, or transfer of the alleged debt. 
- Provide a full and valid debt validation, including the original creditors Purchase Agreement, to establish your legal right to collect on this alleged debt.

- Immediately remove any and all negative or unverified information that you or any associated party has reported to consumer reporting agencies.

Compensate me for violations that I have found pursuant to 15 U.S.C. 1692k, holding your company liable for statutory damages of {$1000.00} per violation, as outlined in the FDCPA. 

Please respond and remit payment within 30 days of this notice. Failure to do so will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation