Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: OR

Complaint narrative:
This complaint is separate from my prior CFPB case XXXX. XXXX, which was closed on XX/XX/year>. Since that closure, Johnson Mark LLC has engaged in new, distinct violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including : Issuing a duplicate, non-responsive validation packet weeks after my detailed statutory follow-up. 


Misrepresenting the timeline of my dispute in their CFPB portal response. 


Failing to conduct a reasonable reinvestigation despite having full statutory notice of deficiencies. 


These actions are not mere continuations of prior conduct but new instances of unlawful behavior that occurred after the CFPB closed my last case, each causing fresh harm. This includes lowered credit scores, credit denials, reputational injury, and emotional distress. 

2. Chronology of Events XX/XX/year> Sent original Validation of Debt ( VOD ) request. 


XX/XX/year> Johnson Mark sent an incomplete validation packet ( no signed contract, no chain of assignment, no DOFD proof, no licensing proof ). 


XX/XX/year> Sent detailed follow-up letter identifying deficiencies and citing FDCPA/FCRA provisions; gave 10 business days to comply. 


XX/XX/year> Johnson Mark uploaded a CFPB portal response with incorrect timelines ( stating I requested validation on XX/XX/XXXX ) and claimed they sent a validation packet on XX/XX/XXXX. 


XX/XX/year> Received their XX/XX/XXXX mailing it was identical to the XX/XX/XXXX packet, confirming no new investigation or validation was performed. 


3. New Violations & Harm A. FDCPA 809 ( b ) Continued collection without proper validation after a timely dispute, resulting in reputational harm and lowered credit score. 


807 ( 2 ) ( A ), ( 8 ), ( 10 ) Misrepresenting the legal status of the debt and implying compliance when none occurred, misleading me and the CFPB.

B. FCRA 623 ( b ) Failure to conduct a reasonable reinvestigation after receiving my XX/XX/XXXX dispute letter, perpetuating the reporting of inaccurate data. 


623 ( a ) ( 1 ) ( A ) Continuing to furnish unverifiable information to CRAs, causing credit denials and ongoing reputational injury. 


4. Misrepresentation in CFPB Response XXXX XXXX XX/XX/XXXX CFPB portal response omitted my XX/XX/XXXX follow-up letter entirely and misrepresented my dispute timeline. This omission is material because it conceals that they had clear statutory notice yet willfully ignored it, continuing to furnish and collect without proper validation. 
Their attempt to present this as an XX/XX/XXXX response is deceptive, as the content was identical to the earlier XX/XX/XXXX packet, proving no new investigation occurred and no lawful validation was produced. 
5. Requested Action I request that the CFPB : A. Open a New Investigation For post-closure violations as documented herein.

B. Require Johnson Mark to Produce Full, Lawful Validation Including : Original wet-ink signed agreement or electronically executed contract with full audit trail.

Complete, unbroken chain of title from original creditor to current entity, including all assignments and endorsements. 


Verified Date of First Delinquency ( DOFD ) and calculation method.

Proof of current Oregon debt collectors license and bond.

All statements and notices from account inception through charge-off and transfer.

Complete itemized accounting of the alleged balance, including all charges and payments.

C. Cease Collection Activity Until Proper Validation is Produced Halt phone calls, letters, litigation, credit reporting, and account transfers.

D. Delete Tradeline from All CRAs if Unable to Produce Lawful Validation Provide written proof of deletion to myself and the CFPB.

E. Certify in Writing : All documents are true, co
mplete, and accurate copies of original records.

All credit reporting is accurate, current, and fully verified.

F. Disclose All Third Parties Names, dates of transfer, legal basis, and copies of transfer agreements.

G. Provide Direct Contact Information Identify the person responsible for this dispute.

6. Regulatory Referral Request Given the repeated misrepresentations and willful disregard for statutory duties, I request the CFPB refer this matter to : The Federal Trade Commission ( FTC ) for potential enforcement under the FDCPA.

The Oregon Department of Consumer and Business Services for state-level licensing compliance review.

The Oregon Attorney Generals Consumer Protection Division for deceptive trade practices review.

These violations are ongoing and systemic, affecting not only myself but potentially other consumers. 



Affirmation : I affirm under penalty of perjury that the foregoing is true and correct to the best of my knowledge.

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