AND THEY ARE REFUSING TO REMOVE IT IN VIOLATION OF THE FCRA AND FDCPA. BOTH THE ORIGINAL CREDITOR AND COLLECTION AGENCY FAILED TO RESPOND WITHIN 30 DAYS TO REQUESTS TO VALIDATETHE ALLEGED DEBT AND INVESTIGATE AS AN INFORMATION FURNISHER. ALSO

What the CFPB Record Shows About AND THEY ARE REFUSING TO REMOVE IT IN VIOLATION OF THE FCRA AND FDCPA. BOTH THE ORIGINAL CREDITOR AND COLLECTION AGENCY FAILED TO RESPOND WITHIN 30 DAYS TO REQUESTS TO VALIDATETHE ALLEGED DEBT AND INVESTIGATE AS AN INFORMATION FURNISHER. ALSO

AND THEY ARE REFUSING TO REMOVE IT IN VIOLATION OF THE FCRA AND FDCPA. BOTH THE ORIGINAL CREDITOR AND COLLECTION AGENCY FAILED TO RESPOND WITHIN 30 DAYS TO REQUESTS TO VALIDATETHE ALLEGED DEBT AND INVESTIGATE AS AN INFORMATION FURNISHER. ALSO has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to AFTE, and the most recent logged activity is AFTER FAIL, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, AND THEY ARE REFUSING TO REMOVE IT IN VIOLATION OF THE FCRA AND FDCPA. BOTH THE ORIGINAL CREDITOR AND COLLECTION AGENCY FAILED TO RESPOND WITHIN 30 DAYS TO REQUESTS TO VALIDATETHE ALLEGED DEBT AND INVESTIGATE AS AN INFORMATION FURNISHER. ALSO reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "THIS BOGUS DEBT WAS SENT TO A COLLECTION AGECNY NAMED HUNTER WARFIELD", and the single most common underlying issue is "WHO REPORTED THIS INFORMATION ON MY CREDIT REPORT AFTER BEING DISPUTED AND FAILING TO VALIDATE THE DEBT. BOTH XXXX XXXX XXXX AND XXXX XXXX".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating AND THEY ARE REFUSING TO REMOVE IT IN VIOLATION OF THE FCRA AND FDCPA. BOTH THE ORIGINAL CREDITOR AND COLLECTION AGENCY FAILED TO RESPOND WITHIN 30 DAYS TO REQUESTS TO VALIDATETHE ALLEGED DEBT AND INVESTIGATE AS AN INFORMATION FURNISHER. ALSO: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.