Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Goodleap XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OR XXXX Consumer Financial Protection Bureau Complaint Submission ( via www.consumerfinance.gov/complaint ) Subject : Formal Dispute of Alleged Debt, Violations of 12 CFR 1006.34, 15 U.S.C. 1681s-2, and North Carolina Statute of Limitations To Whom It May Concern, I am writing to formally dispute the alleged debt being collected by Goodleap LLC and to report multiple violations of federal and state consumer protection laws. This letter serves as both a formal dispute to Goodleap LLC and as supporting documentation for a complaint to the Consumer Financial Protection Bureau ( CFPB ).

1. Violation of 12 CFR 1006.34 ( Validation Notice Requirements )
Goodleap LLC has failed to provide the required validation information under 12 CFR 1006.34 ( a ) ( 1 ), which mandates that debt collectors supply consumers with : The debt amount, The name of the original creditor, A statement of the consumers right to dispute the debt, and A copy of the debt verification. 

Goodleap LLCs failure to comply with these requirements invalidates their claim and obligates them to cease all collection activities until validation is provided.

2. Violation of 12 CFR 1006.34 ( d ) ( Failure to Honor Dispute Rights ) I previously disputed this debt in writing, yet Goodleap LLC continues to report it to consumer reporting agencies ( CRAs ) without providing verification. Under 12 CFR 1006.34 ( d ) ( 2 ), they are required to halt collection activities, including credit reporting, until the debt is validated. Their ongoing reporting constitutes unlawful harassment. 

3. Violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) ( FCRA Furnisher Obligations ) By furnishing incomplete or inaccurate information to CRAs without providing mandatory disclosures, Goodleap LLC has violated 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ). This statute requires furnishers to report only accurate, complete, and verifiable data. Their actions have harmed my creditworthiness, entitling me to damages under the FCRA. 

4. Use of Deceptive and Misleading Practices Goodleap LLC has engaged in false, misleading, and deceptive collection tactics, including : Threatening credit reporting without legal justification, Misrepresenting the debts validity, Failing to disclose their lack of authority to collect.

These actions violate 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ). 

5. North Carolina Statute of Limitations on Debt Under N.C. Gen. Stat. 1-52 ( 1 ), the statute of limitations for debt collection in North Carolina is three years from the date of default or the date of last activity on the account. This means that after three years, a creditor or debt collector can not sue to collect the debt. If the alleged debt is older than three years, Goodleap LLC is legally barred from pursuing legal action to collect it.

6. Additional Requests and Demands Debt Validation : I request full validation of the alleged debt, including : The original creditors name and contact information, A copy of the purchase agreement proving Goodleap LLCs right to collect, Proof of licensing and bonding in North Carolina. 

Removal from Credit Reports : I demand that Goodleap LLC remove the collection account from all consumer reporting agencies within 15 days.

Revocation of Communication Consent : I hereby revoke any consent to contact me via email, text, or telephone. All future communications must be in writing via U.S. Mail. 

Cease All Collection Activities : Until all requested documentation and validation is provided, I demand that Goodleap LLC cease all collection activities.

Summary of Legal Violations and Demands Goodleap LLC has violated 12 CFR 1006.34, 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), and 15 U.S.C. 1692e.

The statute of limitations for debt collection in North Carolina is three years ( N.C. Gen. Stat. 1-52 ( 1 ) ).

I demand removal of the collection account from all credit reports, full validation of the debt, and proof of licensing and bonding.

I revoke consent for all electronic communications and demand that all future correspondence be in writing. 
To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this letter as part of my formal complaint against Goodleap LLC. I request that the CFPB investigate these violations and take appropriate action to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation