Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northstar Location Services, LLC
State: MA

Complaint narrative:
Subject : Third Formal Complaint & Cease and Desist Demand Against NORTHSTAR LOCATION SERVICES , LLC Regarding XXXX XXXX  XXXX. Account # XXXX | Reference # XXXX| Alleged Balance : {$550.00} I. Summary of Complaint This is my third formal complaint and cease and desist request regarding NORTHSTAR LOCATION SERVICES , LLC and their attempt to collect an alleged debt related to XXXX XXXX  XXXX. ( Account # XXXX ) in the amount of \ {$550.00}. NORTHSTAR has continued its unlawful collection efforts in violation of federal and Massachusetts law, despite previous written disputes and repeated requests for proper documentation. 

Most recently, NORTHSTAR sent me a two-page, unverified printout purporting to show account details. This document lacks credibility, legal weight, and authenticity, and could have been created or printed by anyone. It does not meet the legal standard for debt validation and does not include : * A signed agreement establishing the debt * A full payment history showing how the alleged amount was calculated * A bill of sale or chain of assignment proving that NORTHSTAR has legal authority to collect the debt Their failure to provide valid documentation is a direct violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

-- - II. Formal Demand to Cease and Desist Let this serve as my third formal demand that NORTHSTAR LOCATION SERVICES , LLC immediately cease and desist all collection efforts until full debt validation is provided in compliance with Section 809 ( b ) of the FDCPA. 

Continuing to pursue this matter without proper legal documentation constitutes harassment and a willful violation of consumer protection laws. 

XXXX XXXX XXXX. Details of the Complaint * Alleged Creditor : XXXX XXXX  XXXX. 
* Debt Collector : NORTHSTAR LOCATION SERVICES , LLC * Account Number : XXXX * Reference Number : XXXX * Claimed Amount : \ {$550.00} History of Communications and Violations : * NORTHSTAR sent a generic, unofficial XXXX document not meeting legal standards of debt validation * I have requested, on multiple occasions, the following items which remain outstanding : XXXX. A copy of the original signed agreement XXXX. A complete payment history XXXX. A legitimate bill of sale or chain of assignment confirming that NORTHSTAR legally owns or is authorized to collect this debt Despite these requests, NORTHSTAR has continued its efforts with no valid documentation, and has engaged in : * Failure to include Mini-Miranda warnings * Failure to identify themselves as a debt collector in communications * Repeated contact with third parties, including family members, in violation of the FDCPA and XXXX  law * Misrepresentation of the debt as legally collectible, despite it being time-barred under MGL c. 260 2 -- - IV. Legal Violations A. FDCPA Violations : * Section 809 ( b ) : Collection efforts without proper debt validation * Section 807 ( 11 ) : Failure to include Mini-Miranda disclosures * Section 807 ( 14 ) : Failure to properly identify as a debt collector * Section 805 ( b ) : Improper third-party contact * Section 806 : Harassing and abusive conduct B. Massachusetts Debt Collection Regulations : * 940 CMR 7.04 ( 1 ) ( f ) : Contact with individuals outside the consumers household * 940 CMR 7.07 ( 18 ) : Attempting to collect time-barred debt C. Violation of MGL c. 260 2 : The alleged debt is older than six years and therefore unenforceable under Massachusetts law. 

-- - V. Personal and Legal Impact NORTHSTARs continued misconduct has caused : * Emotional distress and XXXX  * Reputational damage through unlawful third-party contact * Loss of trust and privacy due to the exposure of personal financial matters * Pressure and confusion due to repeated attempts to collect an invalid and undocumented debt -- - VI. Supporting Documentation * Certified Mail receipts confirming my prior written disputes * Screenshot or physical copy of the unverified two-page printout XXXX sent XXXX Logs of calls/texts to unauthorized third parties These documents can be made available to the CFPB and relevant authorities upon request. 

-- - VII. Requested Relief I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) and relevant authorities : 1. Order NORTHSTAR to cease all collection efforts immediately 2. Enforce penalties for repeated legal violations 3. Require deletion of any related credit reporting 4. Compel NORTHSTAR to provide a proper bill of sale, full validation, and original agreement before continuing any action 5. Issue a public enforcement action or formal reprimand -- - VIII. Conclusion NORTHSTAR LOCATION SERVICES has now ignored three formal requests for validation and continued its collection efforts using unauthorized, unverified, and potentially fabricated documents. Their conduct is not only unethical, but illegal, and it must be addressed.

I urge immediate regulatory investigation and enforcement to protect my rights and those of other consumers. I am fully prepared to supply all supporting materials and provide testimony if needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation