Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
Re : Formal Dispute of Alleged Debt Amount {$3700.00} Reference Number : XXXX T

o W hom It May Concern : This letter is my formal dispute of the alleged debt in the amount of {$3700.00} that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand strict validation of this debt.

Please be advised that I am a victim of identity theft. This alleged debt is not mine. A copy of my police report is enclosed.

Until the following information is provided, all collection activity must cease pursuant to FDCPA 809 ( b ).

DEMAND FOR FULL DEBT VALIDATION ( With Legal Citations ) Pursuant to FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) and FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), you are required to produce the following : 1. Original Contract with Wet Signature A complete copy of the original contract, loan agreement, or application bearing my actual signature.

FDCPA 809 ( b ) ; FCRA 609 ( e ) ( 1 ) ( A ).

2. Itemized Statement A breakdown of the full accounting of the alleged debt, including all charges, interest, penalties, fees, insurance, and adjustments.

FDCPA 809 ( b ) ; FDCPA 807 ( 2 ) ( A ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ).

3. Complete Payment History Proof of all payments ever made on this account, including date, amount, method of payment, and the party who received the funds.

FDCPA 809 ( b ) ; FCRA 609 ( e ) ( 1 ) ( B ).

4. Chain of Title / Assignment History Copies of all documents transferring ownership of this debt, from the original creditor to each subsequent purchaser or collector, with signatures and dates.

FDCPA 809 ( b ) ; FDCPA 807 ( 2 ) ( A ) ; FCRA 609 ( e ) ( 1 ) ( C ).

5. Proof of Ownership by Mandarich Law Groups Client Provide the legal name, address, and contact information of the current alleged creditor, along with evidence they own the debt and have the right to collect.

FDCPA 807 ( 10 ) ( false representation of creditor ) ; FDCPA 809 ( b ).

6. Debt Collector Licensing Proof that Mandarich Law Group , LLP is properly licensed and bonded to collect debts in my state, including the license number, issuing authority, and expiration date.

FDCPA 807 ( 1 ) ( false representation of legal status ) ; FCRA 609 ( e ) ( 1 ) ( E ).

7. Mandarichs Legal Standing Provide documentation that your firm has legal standing in my state to bring legal action, including bar admission status of the attorneys involved.

FDCPA 807 ( 3 ) ( false implication of legal status ).

8. Identity Verification Provide copies of all identifying documents allegedly used to open this account ( drivers license, Social Security card, etc. ).

FCRA 609 ( e ) ( 1 ) ( A ) ( B ) ; FCRA 605B ( identity theft blocking ).

9. Statements from Original Creditor Copies of all monthly billing statements from day one of the account through charge-off.

FDCPA 809 ( b ) ; FCRA 609 ( e ) ( 1 ) ( B ).

10. Date of Default & Charge-Off Provide the exact date of alleged default and the date of charge-off by the original creditor.

FDCPA 809 ( b ) ; FCRA 623 ( a ) ( 5 ) ( duty to report accurate date of delinquency ).

11. IRS Reporting Records If the debt was sold, provide IRS Form 1099-C or proof that the debt was charged off and reported correctly to tax authorities.

FDCPA 807 ( 2 ) ( A ) ; FCRA 609 ( e ) ( 1 ) ( C ).

12. Communication History Copies of all correspondence and collection notices ever sent to me, including dates and proof of mailing.

FDCPA 809 ( b ) ; FDCPA 809 ( a ) ( 1 ) - ( 4 ).

13. Call Logs Records of any phone calls placed to me by your office or prior collectors, including dates, times, numbers used, and transcripts/recordings if available.

FDCPA 806 ( harassment ) ; FDCPA 807 ( 10 ) ; FDCPA 809 ( b ).

14. Credit Reporting Records Copies of all information furnished to XXXX  , XXXX, and XXXX  regarding this alleged debt, including dates of reporting, updates, and deletions.

FCRA 623 ( a ) ; FCRA 609 ( a ) ( 1 ) ; FCRA 611 ( a ).

15. Affidavit of Debt A sworn affidavit signed by an authorized officer of the original creditor, under penalty of perjury, that this alleged debt is valid and belongs to me.

FDCPA 809 ( b ) ; FCRA 609 ( e ) ( 1 ) ( C ).

Under FDCPA 809 ( b ), you must cease all collection activity until full validation is provided.

Under FCRA 605B, you must block reporting of this debt since I have provided an identity theft report.

Failure to comply will result in complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the State Attorney Generals Office, and the State Bar Association.

Any continued reporting of this fraudulent debt may result in civil liability under FDCPA 813 ( 15 U.S.C. 1692k ) and FCRA 616617.

CONCLUSION Unless you provide the full validation requested above, this debt is considered unverified, fraudulent, and unenforceable.

Company response to consumer: Closed with explanation