Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX regarding their deceptive and unlawful handling of my account, which directly violates provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, XXXX mailed me a letter explicitly stating that they had not sold or transferred my account to any third party. This was a false and misleading representation. Despite their written statement, XXXX proceeded to sell and/or assign my debt to Lloyd & McDaniel , PLC XXXX a collection agency, as evidenced by the documentation I have attached to this complaint. 

This conduct is unlawful because : 1. Deceptive Misrepresentation By providing written communication denying the sale of my account, XXXX knowingly issued false information. This constitutes deceptive and misleading practices prohibited under federal law. 

2. FCRA Violations The FCRA requires furnishers of information to provide complete and accurate reporting ( 15 U.S.C. 1681s-2 )XXXX XXXX XXXXontradictory communications and false statements directly violate this requirement, as they resulted in the transmission of inaccurate and misleading information regarding the status and ownership of my account. 

3. Failure to Maintain Accuracy and IntegrXXXX of Data Once XXXX transferred the account, they had a legal obligation to ensure that my credit information remained accurate, consistent, and not misleading. Their denial of the sale while simultaneously selling the debt constitutes a breach of their statutory duty under the FCRA. 

This deception has caused confusion, potential damage to my credit profile, and emotional distress. I demand that the CFPB investigate Discovers unlawful and deceptive actions, hold them accountable for these violations, and require corrective measures, including but not limited to : - Immediate removal of all inaccurate and misleading information associated with this account from my credit reports. 
-Immediate removal of this account from my credit reports that have been inaccurately reporting to my credit for months - Full investigation into XXXX pattern of issuing false and contradictory communications to consumers. 
-Full investigation of XXXX 's reinvestigation of my disputes that state that the information reported is false - Enforcement actions and penalties against XXXX to prevent further violations. 

I am attaching a copy of the letter I received from XXXX along with documentation showing the assignment of my account to Lloyd & McDaniel , PLC as evidence of their misconduct. 

I am also providing a screenshot of what Lloyd and McDaniel identify themselves as they state : " This law firm is a debt collector, as defined by 15 U.S.C. 1692 ( a ) ( 6 ) and this is an attempt to collect a debt. '' This shows proof that XXXX is providing laws and false information to the credit bureaus, even though they state they have conducted a thorough investigation, but continue to harass me of a debt they no longer own and can not provide me proof of. They lied directly to me via letter that is attached stating they they own the debt. I have disputed this incorrect information to the Credit Bureaus and this remains on my credit. I continue to receive misleading information from XXXX attempting to collect money from me and other debt collection agencies that are trying to collect money from me, which is financial abuse. They all claim I owe them the money and have to pay them because they all claim I owe them with no proof. My next steps will to take legal action against XXXX for emotional distress, abuse, threats, and conduct unbecoming of a credit card company. 

I request that the CFPB act swiftly on this matter to protect not only my rights under the FCRA but also the rights of other consumers who may be subjected to similar deceptive practices.

Company response to consumer: Closed with explanation