Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: GA

Complaint narrative:
New CFPB Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) [ Submit via CFPB portal ] Subject : Formal Complaint Newly Identified FCRA, FDCPA, and Negligence Violations by XXXX XXXX XXXX, Resulting in Financial Damages Dear CFPB, I am filing a new formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX due to recently discovered violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F ( 12 CFR 1006 ).

This is not a duplicate complaint but a separate issue regarding new violations, additional damages, and financial harm caused by the continued reporting of a fraudulent debt despite my prior disputes and supporting identity theft documentation. 

Newly Identified Violations Committed by XXXX XXXX XXXX : XXXX. Failure to Mark Account as " Disputed '' ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) After I formally disputed this fraudulent account, XXXX failed to update the status as Disputed on my credit report. 

Under FCRA, furnishers must report an account as Disputed when a consumer submits a formal dispute. 

XXXX is also liable for continuing to report this as accurate without proper verification. 

2. Failure to Conduct a Proper Investigation ( FCRA 15 U.S.C. 1681i ( a ) ) Despite multiple disputes and supporting documentation, neither XXXX nor XXXX conducted a legitimate reinvestigation. 

I provided : An FTC Identity Theft Report. 
A police report proving identity theft. 
Proof that the alleged validation notice was sent to the wrong address. 
Despite this, XXXX continued reporting the debt as valid.

3. Failure to Ensure Maximum Possible Accuracy ( FCRA 15 U.S.C. 1681e ( b ) ) XXXX failed to verify the accuracy of the debt before reporting it on my credit file. 
XXXX failed to provide legally required documentation, such as : A contract with my wet ink signature. 
A Forward Flow Agreement proving chain of assignment.

A legally valid debt validation letter.

The only document provided was a school invoice, which is not legally sufficient debt validation under FDCPA.

4. Failure to Block Fraudulent Debt ( FCRA 15 U.S.C. 1681c-2 ) I am a verified victim of identity theft, yet XXXX has refused to block this account despite receiving all required documentation. 
The FCRA mandates removal within XXXX business days once an identity theft report is provided. 

5. Violations of FDCPA & Regulation F ( 12 CFR 1006 ) Deceptive & Unfair Collection Practices XXXX engaged in deceptive and misleading collection tactics by : Falsely claiming debt validation without proper proof. 
Sending the debt validation letter to an address that is not mine, making it impossible to dispute. 
Falsely stating that the debt was verified by XXXX when no legitimate verification was conducted. 
These actions violate : 12 CFR 1006.34 ( b ) ( 5 ) Failure to Provide Clear and Complete Debt Validation.

12 CFR 1006.34 ( d ) Unlawful Furnishing of Debt Without Required Disclosures.

12 CFR 1006.18 False, Misleading, and Deceptive Practices in Reporting and Collecting Debt.

6. Newly Incurred Financial & Emotional Damages Due to XXXX XXXX XXXX negligence, I have suffered additional financial harm, including : A further drop in my credit score.

Denial of mortgage applications, forcing me to remain in a hotel.

Inability to move into permanent housing, disrupting my childrens education.

Severe emotional distress from financial uncertainty and repeated violations of my consumer rights. 

Requested Resolution : Immediate deletion of this fraudulent collection account from XXXX, XXXX, and XXXX. 
Written confirmation that the account has been permanently removed and will not be re-reported. 
A full CFPB investigation into XXXX  deceptive practices and XXXX  failure to ensure accuracy. 
XXXX damages for financial harm and emotional distress caused by their negligence. 
Legal action against XXXX and XXXX for willful non-compliance with federal laws. 
If this issue is not resolved within 7 days, I will proceed with a federal lawsuit seeking $ XXXX in damages for violations of the FDCPA, FCRA, Regulation F, and negligence. 

Sincerely, XXXX XXXX _________________________________________________________________ Legal Demand Letter to XXXX for Immediate Deletion XXXX XXXX XXXX Red XXXX XXXX XXXX XXXX, GA XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Demand for Deletion of Fraudulent Debt Violation of FCRA & Negligence Dear XXXX, I am writing to formally demand the immediate deletion of a fraudulent collection account placed on my credit report by XXXX XXXX XXXX XXXX XXXX  ). 

Violations Committed by XXXX XXXX XXXX Failure to Investigate ( FCRA 15 U.S.C. 1681i ) I disputed this account, yet you failed to conduct a proper investigation before continuing to report it.

Failure to Ensure Accuracy ( FCRA 15 U.S.C. 1681e ( b ) ) You are legally required to report only verified and accurate information.

Failure to Block Identity Theft Account ( FCRA 15 U.S.C. 1681c-2 ) I have submitted an FTC Identity Theft Affidavit and a police report, which requires you to remove this fraudulent debt within XXXX business days. 

Due to your failure to act, I have suffered : Financial damages This account has prevented me from securing a mortgage, forcing me into a hotel. 

Credit damage My score has dropped, affecting my ability to access loans and credit. 

Emotional distress This has caused unnecessary stress and disrupted my familys stability. 

Final Demand Delete this fraudulent debt within 7 days. 
Provide written confirmation that it has been permanently removed. 
If this is not done, I will proceed with legal action seeking $ XXXX in damages for FCRA violations, negligence, and financial harm. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation