Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FirstPoint Collection Resources
State: IL

Complaint narrative:
AFFIDAVIT OF FINAL NOTICE, CEASE AND DESIST, AND LITIGATION WARNING i, the living soul and secured party creditor, do hereby declare under penalty of perjury and full commercial liability that this Affidavit is issued in good faith, with lawful standing, capacity, and interest. i have exercised due diligence and followed all proper procedures under both public and private law to resolve the matter regarding the unlawful reporting of alleged debt under my name and/or estate by : FirstPoint Collection Resources XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ) XXXX Certified Mail Tracking No. : XXXX This matter concerns the disputed account originating from XXXX XXXX XXXX, which was reported to XXXX XXXXXXXX XXXX XXXX in the amount of {$1500.00}, with a conflicting validated amount of $ XXXX clear discrepancy that demonstrates material misrepresentation and failure to comply with federal law. 


FACTUAL RECORD i lawfully disputed the alleged debt via written notice and certified mail. 

i requested validation including a copy of the original contract bearing my wet signature. 

No original contract, assignment, or complete accounting ledger has been produced. 

The balance reported to XXXX materially differs from the amount you now claim in your so-called " validation. '' You acknowledged the discrepancy by stating that adjustments were made by the original creditor. 


This discrepancy proves your recordkeeping is unreliable and constitutes a false representation of debt. 


VIOLATIONS OF LAW & CASE SUPPORT You are currently in direct violation of the following federal statutes : 15 U.S. Code 1692e ( 2 ) ( A ) False representation of the character or amount of a debt 15 U.S. Code 1692g ( b ) Failure to cease collection pending proper validation 15 U.S. Code 1681s-2 ( a ) Furnishing of inaccurate information to a consumer reporting agency CASE CITATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) Failure to verify and correct a disputed debt violates the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) A collection agency may not misrepresent the amount of a debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX must avoid inconsistent or misleading representations. 



LEGAL LIABILITY IS NOW ESTABLISHED You are hereby notified that a legal record now exists documenting : False and misleading reporting Refusal to properly validate the alleged debt Willful disregard of certified dispute notices Continued unlawful collection on unverified, inaccurate claims You have had ample opportunity to cure. You refused. Your refusal constitutes willful bad faith and commercial injury. 


NOTICE OF FEE SCHEDULE Included with the certified mailing is a lawful Fee Schedule. 
If you continue any of the following : Reporting unvalidated or inaccurate debt ; Contacting me in any unlawful manner; Attempting to collect on this matter ; then you agree by tacit acquiescence and commercial silence to contractual default penalties per the attached schedule. All damages will be enforceable through lawful lien, arbitration, or judicial action under UCC and contract principles.

FINAL WARNING BEFORE LITIGATION If you do not fully comply with the following demands within 10 calendar days, legal action will proceed without further notice : 1. Permanently delete the disputed account from all consumer reporting agencies 2. Cease and desist from all collection activity and contact 3. Provide written confirmation of deletion and retraction Failure to comply will result in : Civil litigation in state and federal court Formal complaints with the CFPB, FTC, and Illinois Attorney General Claims for emotional distress, reputational harm, and financial obstruction Let it be known : any further action, delay, or misconduct shall be deemed intentional tortious conduct under color of law. 


Without Prejudice, All Rights Reserved, UCC 1-308 Secured Party Creditor, Executor for the Estate Date : XXXX XXXX XXXX

Company response to consumer: Closed with explanation