Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Dear sir Or Madam at the CFPB, I am writing this formal complaint Towards : UNIFIN and XXXX XXXX ( whom could not Validate this Debt Under section XXXX and now has Unifin doing it for them ), I pulled My credit Report after Receiving this Intimidating Letter with an Intimidating Collection Amount, Dated : XX/XX/year> in the amount of {$4100.00} And I found that UNIFIN and XXXX XXXX has been Reporting on my credit reports. How are collection agencys such as these two allowed to act the way they do in the way they do business just report Anything for any one with out any proof? Isnt that a violation of anyones consumer rights? Not only was I not aware of this collection I am actually very surprised they are reporting it on my credit report, since I already went to court with a different collector on this account. Where it was found that the Debt did not belong to me and it was well past the statute of limitations. I have attached the letter sent to me by UNIFIN! along with an Invoice for each of Unifin and XXXX XXXX which I will produce in court and the violations committed so far! 
Now let me Backtrack a little, Mid last year I had another Collection agency send me a collection notice for the same XXXX account and I sent them a XXXX Validation letter. They just sent me an Itemized Bill ( which is not a proper form Validation! ) after I called them out on it, the following month I was being sued by them. I then retained an attorney and in court it came to light that that account they were coming after me for had no viable contract with my signature nor did I have a contractual agreement with the Debt Buyer/collector. My attorney also asked for validated proof of a Purchase agreement from XXXX stating they Sold My ( XXXX XXXX ) alleged account directly to the debt buyer, and the debt was not bought as one with many others. Along with other documents the Attorney requested. It was proven in court that the account I was being sued for was not at all mine. At the end My attorney countersued for All violations and we were awarded the case. 
Now here I am receiving letters on the same account again! From : UNIFIN Representing XXXX XXXX whom could not Validate the Debt in their Collection Attempts. 
I have already forwarded everything to my Attorney! 
I demand that UNIFIN and XXXX XXXX SYSTEMS : Seize and desist any and all forms of Communication, collection attempts and collection reporting to any credit reporting agency Immediately, until they can provide all proper Validation as required by FCRA. 
( I was already awarded {$1000.00} per violation on the previous case and I am very well aware of my Rights as a consumer! ) So far UNIFIN and XXXX XXXX XXXX, Have violated : XXXX XXXX XXXX civil liability for Damages XXXX XXXX XXXXXXXX XXXX XXXX XXXX accuracy of reports. 
XXXX XXXX XXXX ( b ) Responsibilities of furnishers. 
XXXX XXXX XXXX ( a ) Reporting information with actual knowledge of errors. 
XXXX XXXX XXXX ( a ) Failure to provide notice of consent on an initial XXXX. 
XXXX XXXX XXXX ( a ) Failure to give prior consent for attempting to communicate and collect on a debt. 
XXXX XXXX XXXX ( XXXX ) The use of profane language used and meant to harass, intimidate or stress an individual. 
Please see attachments and INVOICEs FOR VIOLATIONS! 
I will be looking forward to : XXXX prompt Response. 
Now given all the CFPB findings against XXXX and XXXX on their Sham Investigation, methods of Validating and reporting Inaccurate Data and it being the reason they are Being investigated and being sued Shouldnt Debt buyers be held in the same responsible manner? Why do you let them use all these Unlawful Tactics? 
Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation