Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX RE : FORMAL DISPUTE ILLEGAL TRANSFER OF UNVERIFIED DEBT, FAILURE TO VALIDATE, CEASE & DESIST Account No. : XXXX Alleged Balance : {$4600.00} Dear XXXX XXXX and XXXX XXXX, This letter is a formal dispute, demand for full validation, and cease & desist notice regarding the alleged debt referenced above. 
It also serves as notice of multiple federal violations by BOTH companies. 

I contacted XXXX XXXX first and requested validation. 
Your response was incomplete, legally deficient, and did NOT satisfy the requirements of 15 USC 1692g ( b ). 

Despite failing to validate the debt, XXXX XXXX transferred, assigned, or sold the alleged account to XXXX XXXX, which is a separate federal violation. 

XXXX XXXX FAILED TO VALIDATE BEFORE SELLING/ASSIGNING THE DEBT Under FDCPA 809 ( b ) : A debt collector must cease all collection activity AND can not transfer or assign a disputed debt until validation is provided. 

XXXX XXXX : Did NOT provide the original signed contract Did NOT provide an itemized account history Did NOT provide Truth in Lending Act disclosures Did NOT provide proof you own the debt Did NOT provide any chain of title Did NOT provide the purchase agreement Did NOT provide a bill of sale proving this account was included in a portfolio Did NOT provide accounting showing how {$4600.00} was calculated Yet the alleged debt was sent to XXXX XXXX  anyway. 

This is an FDCPA violation : FDCPA 809 ( b ) Continuing collection without validation FDCPA 807 ( 2 ) ( A ) Misrepresentation of legal status FDCPA 807 ( 10 ) Deceptive means to collect a debt TRANSFERRING A DISPUTED, UNVERIFIED DEBT IS ILLEGAL XXXX XXXX knew the debt was disputed and unverified, yet still transferred it.

This action violates : FDCPA 808 ( 1 ) Unfair practices FDCPA 813 Civil liability for illegal transfer FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate FCRA 623 ( b ) Failure to reasonably investigate before continuing collection/reporting XXXX XXXX is in possession of a disputed debt it can not legally collect on or report. 

XXXX XXXX  IS NOW IN VIOLATION AS WELL Because XXXX XXXX is attempting collection on a debt : That has not been validated That was transferred illegally That lacks proof of ownership That has no supporting documentation XXXX XXXX  is in violation of : FDCPA 807 ( 1 ) False representation of the amount or legal status FDCPA 807 ( 8 ) False credit reporting FDCPA 809 ( b ) Collecting without providing verification FCRA 623 ( a ) ( 3 ) Reporting information after being notified it is disputed XXXX  XXXX  must immediately cease all collection activity until full legal validation is supplied.

NO PURCHASE AGREEMENT WAS PROVIDED ( MAJOR VIOLATION ) If the debt was sold, both entities MUST supply : Purchase agreement Bill of sale Chain of custody Schedules showing THIS account was included Proof of legal assignment Without this, neither company can legally claim ownership or collection rights.

This failure violates : FDCPA 807 ( 2 ) ( A ) FCRA 623 ( a ) ( 1 ) ( A ) CFPB Regulation F CEASE & DESIST ( FDCPA 805 ( c ) ) Effective immediately : STOP ALL COLLECTION ACTIVITY STOP ALL PHONE CALLS, EMAILS, AND CONTACT STOP ALL CREDIT REPORTING UNTIL VALIDATION IS PROVIDED All communication from both companies must be in writing only.

Any further contact outside FDCPA guidelines will be documented as intentional violations.

EMOTIONAL & FINANCIAL HARDSHIP DECLARATION Your illegal actions have caused : Anxiety & emotional distress Financial hardship Denial of credit opportunities Interference with housing and employment prospects Reputational harm These damages are actionable under : FCRA 616 Willful Noncompliance FCRA 617 Negligent Noncompliance FDCPA 813 Civil Liability FORMAL DEMAND FOR IMMEDIATE ACTION Both companies have 10 days to : Provide FULL legal validation ( all documents listed above ) OR Permanently delete the account from ALL credit bureaus AND Cease all collection activity immediately Failure to comply will result in : A CFPB enforcement request A complaint to the Tennessee AG A complaint to the Florida AG FTC complaint filing A Notice of Intent to Sue for damages under FDCPA and FCRA This letter is your final notice. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation