Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I am writing to file a formal complaint against Mandarich Law Group , LLP and the initial debt collector, XXXX XXXX XXXX ( XXXX  ), for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and for engaging in a pattern of harassment regarding an alleged debt that is linked to a fraud case.

Timeline of Events and FDCPA Violations : XXXX. XX/XX/XXXX ( Initial Debt Collector 's Violation ) : On XX/XX/XXXX, I sent a formal written request for debt validation to the initial debt collector, XXXX XXXX XXXX ( XXXX  ), concerning an alleged debt. Despite my timely and clear written dispute, this debt collector completely failed to provide any debt validation whatsoever. Instead of ceasing collection activities as required by FDCPA 1692g ( b ), they continued to harass me through persistent emails and phone calls for several months without ever validating the debt. This continued collection effort after a written dispute and without validation constitutes a direct and egregious violation of the FDCPA. 
XXXX. XX/XX/XXXX ( Introduction of Mandarich Law Group ) : On XX/XX/XXXX, I received an email from Mandarich Law Group , LLP, indicating that they were now representing the debt collector and seeking to collect this same alleged debt. This email served as their initial communication. It is critical to note that Mandarich Law Group took over an account that was already under a formal, written dispute where validation had been requested but never provided by the previous collector. 
XXXX. XX/XX/XXXX ( Second Debt Validation Request, but First sent to Mandarich Law Group ) : Recognizing that Mandarich Law Group was now involved, on XX/XX/XXXX, I promptly sent a certified letter to Mandarich Law Group , LLP, explicitly requesting debt validation for this alleged debt. In this certified letter, I also provided my current and correct mailing address. Under FDCPA 1692g ( b ), upon receipt of this written dispute, Mandarich Law Group was legally obligated to cease all collection activities immediately until they provided proper validation of the debt. The 30-day window for them to respond with validation or cease collection activities expired on XX/XX/XXXX. 
XXXX. XX/XX/XXXX ( Illegal Collection Activity by Mandarich Law Group ) : In blatant disregard of my written debt dispute and before providing any debt validation, Mandarich Law Group sent me a " Notice of Intention to sue and incur cost '' dated XX/XX/XXXX. This notice was sent to my old address, despite providing the correct address in my certified letter of XX/XX/XXXX. This action is a clear violation of the FDCPA as it constitutes continued collection activity after a written dispute and before validation was provided. Furthermore, sending it to an incorrect address suggests a lack of diligence or an intent to obscure proper communication. 
XXXX. XX/XX/XXXX ( Belated and Improper Debt Validation ) : Mandarich Law Group finally sent a debt validation letter on XX/XX/XXXX. This response was provided 9 days after the 30-day validation window expired ( XX/XX/XXXX ) and critically, after they had already illegally threatened legal action with their " Notice of Intention to sue. '' This delayed and improperly timed validation is another clear violation of the FDCPA. The validation letter was sent to my lawyer in XXXX.

Company response to consumer: Closed with explanation