Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: LA

Complaint narrative:
CFPB XXXX : Office of XXXX XXXX  XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : [ Complaint against XXXX XXXX XXXX XXXX. ] for Violations of XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ XXXX XXXX XXXX XXXX ] for multiple violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting XXXX ( FCRA ). 
[ XXXX XXXX XXXX XXXX has engaged in the following unlawful practices : Failure to Provide Validation Notice : [ XXXX XXXX XXXX XXXX ] has failed to provide me with a validation notice as required by 12 CFR 1006.34 ( b ) ( 5 ). This notice should include the amount of the debt, the name of the original creditor, and instructions on how to dispute the debt. 
By failing to provide this information, [ XXXX XXXX XXXX XXXX. ] has violated my rights under the FDCPA and has hindered my ability to dispute the alleged debt. 
Reporting Inaccurate Information to Credit Bureaus : [ XXXX XXXX XXXX XXXX ] has reported inaccurate information to credit reporting agencies without providing me with a reasonable opportunity to dispute the debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
This action has negatively impacted my XXXX XXXX and has caused me significant financial harm. 
Misleading and Deceptive Practices : [ XXXX XXXX XXXX XXXX. ] has engaged in misleading and deceptive practices by contacting me through email, text messages, and phone calls without proper authorization. 
These actions violate the FDCPA and the XXXX XXXX XXXX XXXX ( XXXX ). 
Unauthorized Reporting to Credit Bureaus : [ XXXX XXXX XXXX XXXX ] has furnished information to credit reporting agencies without providing the required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ). 
This action is a clear violation of the FCRA. 
I am demanding that [ XXXX XXXX XXXX XXXX ] immediately cease all collection activities and take the following actions : Provide Validation Notice : [ XXXX XXXX XXXX XXXX ] must provide me with a written validation notice that includes the amount of the debt, the name of the original creditor, and instructions on how to dispute the debt. 
Correct Inaccurate Information : [ XXXX XXXX XXXX XXXX ] must correct any inaccurate information it has reported to credit reporting agencies. 
Cease Unlawful Communication : [ XXXX XXXX XXXX XXXX ] must cease all communication with me, except through written mail. 
Provide Proof of Debt Ownership and Licensing : [ XXXX XXXX XXXX XXXX ] must provide me with proof of its ownership of the debt and its licensing to collect debts in my state. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ XXXX XXXX XXXX XXXX. ] Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, La. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief