Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
FORMAL NOTICE OF FAILURE TO VERIFY ACCOUNT DEMAND FOR ELECTRONIC APPLICATION AND ACCOUNT ORIGINATION RECORDS From : XXXX XXXX XXXX Authorized Representative ( CALL ) I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : __________________ To : Creditor / Furnisher of Information and any Credit Reporting Agency receiving this notice. NOTICE This notice serves as a formal dispute and demand for verification regarding an account being reported to consumer reporting agencies. The account has been formally disputed, yet the furnisher continues reporting the account without producing the underlying electronic application, authentication data, or account origination documentation. Under federal law, once a dispute is received, the furnisher must conduct a reasonable investigation and verify the accuracy of the information reported. FEDERAL LAW AUTHORITY Fair Credit Reporting Act 15 U.S.C. 1681s2 ( b ) After receiving notice of a dispute, a furnisher must : conduct a reasonable investigation review all relevant information report the results of the investigation modify, delete, or permanently block information that can not be verified. Credit Bureau Investigation Requirement 15 U.S.C. 1681i Credit reporting agencies must : investigate disputed information determine whether the information can be verified delete information that can not be verified. Electronic Signatures in Global and National Commerce Act 15 U.S.C. 7001 Electronic records and signatures used to establish contractual liability must : be attributable to the consumer be retained and accurately reproducible for later reference. SUPPORTING FEDERAL CASE LAW XXXX XXXX XXXX & XXXX 584 F.3d 1147 ( XXXX XXXX. XXXX ) XXXX v. MBNA America Bank 357 F.3d 42XXXX ( XXXX XXXX. XXXX ) These cases confirm that furnishers must conduct a meaningful and reasonable investigation after receiving a dispute. DEMAND FOR ACCOUNT ORIGINATION PROOF You are hereby required to produce the following documentation : 1. The original credit application 2. Electronic signature authentication records 3. IP address and electronic consent records 4. Cardholder agreement provided at account opening 5. Complete account origination records FAILURE TO VERIFY If the requested records can not be produced, the account can not be properly verified under the Fair Credit Reporting Act and must be deleted from all consumer reports. NOTICE OF POTENTIAL LIABILITY Fair Credit Reporting Act 15 U.S.C. 1681n Civil liability for willful violations 15 U.S.C. 1681o Civil liability for negligent violations DEMAND Within 30 days you must either : 1. Produce the requested verification records, or 2. Delete the account from all consumer reporting agencies. Failure to comply may result in formal complaints being filed with federal regulators and civil action for statutory damages. Respectfully, XXXX XXXX XXXX Authorized Representative ( CALL ) I XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation