Malen & Associates, p.c. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/09/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	TN 37122	Web
My First & LAST name, My Street NUMBER & Street NAME, and My City and State are as Follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee TODAY IS XXXX XX/XX/2019 ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. ( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right MY PERSONAL 20-digit TRACKING NUMBER IS : XXXX XXXX XXXX XXXX XXXX XXXX MALEN & ASSOCIATES , P.C . XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. To whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, fcra compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : You have listed an inaccurate Public Record on my credit file. I need to have it removed as soon as possible. I am filing this dispute of the Public Record Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular public record including if this was obtained by a third party Information Broker and if the information was provided in Metro-2 format and updated by the information provider to include complete personal identifiers including Full Legal Name and Address. I have been advised by my family attorney that his investigation of this erroneous public record leads him to believe that your firm has MIXED my file information and inappropriately assigned this public record to my credit report. Here is the erroneous record you are reporting. The following allegations each require immediate deletion, do so now and here! Below are the accounts in question : To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification or validation requests by electronic means for civil judgments or liens? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. I am attempting to confirm the testimonial composed certificate to the every single one even each any and or all of facts to the truth, accuracy, completeness and compliance ( including even to Metro 2 data field formatted reporting ) of the process and procedure used in your office for the alleged validation and verification of any and all Liens ( be it state tax lien, federal tax lien, civil lien, property lien, mechanics lien, and or lien else wise, mentioned here or not ) and Judgments ( again be it civil, federal, or even lawfully criminal should you be so derelict of dutiful responsible and reliable reporting that you might be considered an enabler of fraud and or identity theft. Being the severe and sensitive nature of this here formal consumer complaint, your obligation at a minimum would include you could assuredly physically and manually reviewing and thereafter genuinely answering the following questions to irrefutably clarify a legal situation for me. To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification any of the Personal Information such as correct name, address or Date of birth for validation inquirys? I am of great confidence you do realize and abide by such understanding that any and all parties reporting debt ( s ) and or derogatory credit information must respond to consumer inquiries. All parties reporting credit information must comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), any applicable state laws and regulatory authorities. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the Date of First Delinquency is used to comply with FCRA sections 605 and 623 ( obsolescence period ). Testimony now to the fullness of adequate reporting of the Date Of First Delinquency here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides information related to how long any such court Clerk 's office maintains records of civil actions? To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides answer written requests for validation of civil judgments or liens? Any and all Third Party Collection Agency ( s ) is ( are ) a company ( ies ) or individual ( s ) who specializes in collecting outstanding debts for other businesses or individuals, therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Any and all Debt Purchaser ( s ) / Factoring Company ( s ) is ( are ) a company ( ies ) or individual ( s ) who regularly purchases accounts with the intent of collecting debts owed and or reporting any claim of derogatory otherwise, .therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Testimony now to the fullness of adequate reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report data in the standard Metro 2 Format. Testimony now to the fullness of adequate standard Metro 2 Format reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. 6-Will your Clerk 's office respond to telephone inquiries about civil judgments or liens? Any and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report at least on a monthly basis. Testimony now to the fullness of adequate monthly standard Metro 2 Format reporting here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names. Testimony now to the fullness of adequate standard Metro 2 Format reporting including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must report the individual 's complete and unique account number as extracted from the alleged consumers file. Testimony now to the fullness of adequate standard Metro 2 Format reporting including the alleged consumers complete and unique number as extracted from the same identified and exact alleged consumer here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office participates with or is a member of an electronic system that allows other agencies or private parties to validate or verify court information? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : COURT # 1 OF RECORD-DOCKET NUMBER or ACTION NUMBER-DATE FILED XXXX XXXX-XX/XX/2019 Notation : : Please Provide Physical Proof of COMPLIANCE and Verification NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIM To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides Validate or Verify information requests from 3rd Parties? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the internal code ( s ) that unmistakably identifies every and one even each any and or all of the third party collection agency ( ies ) /debt purchaser ( s ) /factoring company ( ies ) where information is certified to be lawfully and irrefutably proven verified. Testimony now to the fullness of adequate standard Metro 2 Format reporting of the internal code ( s ) including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. 9-Does your Clerk 's office report public information and Data in the Metro-2 format? Thank you sincerely for your TIME and answers to my questions. I have included a self-addressed stamped envelope with my letter today, if you would be so kind to sign and title the response and place it in the envelope and return it to the outgoing mail it would be greatly appreciated. Might it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. iv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. viii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. 1. Tell me in writing what information you refuse to remove and why. 2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is an automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied evenly and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11580	Web
On Thursday XX/XX/2022 at XXXX XXXX I called XXXX XXXX ( XXXX ) XXXX. This call lasted approximately XXXX minutes and XXXX seconds. The nature of this call is to dispute four items on the credit report I have provided. As of XX/XX/2022 XXXX claims that these four items are to remain on the credit report as they have been " certified to XXXX that the information is accurate. '' Let me add that the information currently reported by XXXX is absent from XXXX 's records. XXXX has removed all four items from their records. During the call with XXXX the representative requested that I contact the " creditor '' s on file as well. In reference to the XXXX item listed on the report, I was told specifically on XX/XX/2022 during a ( XXXX ) XXXX call lasting XXXX minutes and XXXX seconds on a recorded line with a representative that XXXX does not report directly to XXXX but only to XXXX. This is consistent with the fact that XXXX no longer displays the XXXX item on the XXXX credit report in reference to the credit report in question. In reference to the XXXX XXXX mortgage account XXXX claims that the information reported is " Verified and Updated. '' XXXX also claims that " The information you disputed has been verified as accurate. '' In reference to this item I informed XXXX specifically that I contacted the local authorities in reference to this particular item and that XXXX XXXX engaged in identity theft in reference to the creation of this account. The account number that is listed on the XXXX dispute response is inconsistent with the account number previously provided or mentioned in the current mortgage foreclosure proceedings in XXXX XXXX XXXX SUPREME COURT. Furthermore, though XXXX claims that the account is " verified '', " updated '' and " accurate '' there is no reported balance on the account. If the account is opened, verified and updated why is there no balance with a date denoting when it is last updated? When you compare this item with the other items listed on the dispute this is the only item where there is no balance. The balance may very well be null or zero and this would be proof that the account is in fact closed. This item is the subject of previous CFPB complaints namely XXXX where the debt collecting law firm refused to respond to the CFPB complaint and XXXX XXXX another credit bureau agreed that fraud is likely present in the claim. These discrepancies are inaccuracies and violate a debtor 's rights to have accurate information reported on its credit report. The XXXX XXXX POLICE DEPARTMENT complaint number in reference to the XXXX XXXX account is XXXX. The XXXX XXXX listing is also inaccurate as there is record on file with XXXX XXXX SUPREME COURT that XXXX XXXX XXXX XXXX is in possession of a negotiable instrument towards the full amount of the outlined debt that they failed to process and/or share with XXXX XXXX that they might process the negotiable instrument in accordance with the law. The same applies to XXXX XXXX XXXX as XXXX XXXX XXXX is also in possession of a negotiable instrument towards the satisfaction of the debt outlined yet failed to process and/or share this negotiable instrument with XXXX XXXX XXXX so that it may be properly honored or dishonored. XXXX is sharing information with the public that is inaccurate and/or false in reference to my credit report. The information in question is already removed from XXXX 's corresponding file. I will do my due diligence and files separate CFPB complaints for each of these " creditor '' XXXX In respect to XXXX XXXX XXXX we will find out specifically whether XXXX or the representative I spoke with is being forthright as I receive conflicting information over the phone. I'd like to thank the men and women at CFPB for giving the public an avenue to make their concerns public and find resolution when it seems impossible to do so with certain companies.
09/29/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11580	Web
On XX/XX/2020 I mailed a notice of acceptance and a negotiable instrument to XXXX XXXX and/or XXXX XXXX of MALEN & ASSOCIATES P.C. by way of Notary Public in reference to an account ending in XXXX. That correspondence included a negotiable instrument along with instructions to settle the accounting of the aforementioned accounting and to send evidence of this to the address provided in the correspondence. This correspondence is sent by way of certified tracking and was received by the aforementioned parties but not replied to as outlined. The respondent ( s ) were given thirty ( 30 ) days to respond to the correspondence and/or settle the accounting. After the thirty days had passed and no response was received a Notice of Non-Response and Opportunity to Cure was sent along with a second negotiable instrument toward the complete satisfaction of the debt outlined in the respondent 's original presentment. This correspondence was sent on XX/XX/XXXX by way of Notary Public. Respondents were given ten ( 10 ) days to respond as to why they failed to do as required. After confirmed receipt of both correspondences with no response the Notary Public created a Certificate of Non-Response outlining the dishonor of XXXX XXXX, and/or XXXX XXXX, and MALEN & ASSOCIATES P.C. A Notice of XXXX was then sent by the Notary Public and still no response by any of the respondents. A final Confirmation letter was sent ten ( 10 ) days after receipt of the Notice of Default stating that the Creditor 's interest in the debtor is terminated. The law states that a business letter sent in good faith must be responded to and in a reasonable time or the recipient of that letter is obligated to accept the terms outlined. The respondent ( s ) in this matter are silent in regards to any of the attached correspondences. If the respondents were unable to respond they could have outlined that in a correspondence. The respondents chose not to do so. If a negotiable instrument is presented toward the complete satisfaction of a debt it must be accepted. If it is refused a notice of dishonor must be provided to the sender or the sender 's bank in accordance with the law. There is no evidence of a notice of dishonor being sent in regards to the first or second negotiable instrument ( s ) sent towards the satisfaction of the debt obligation. If a good faith attempt is made to completely satisfy a debt with a negotiable instrument and this act is refused without a notice of dishonor the debt is discharged by law. The balance on the aforementioned account is XXXX and the respondents are in violation of the Fair Debt Collection Practices Act. Furthermore, their continued dishonor implicates any who are misled into believing that the agreement established under full commercial liability and witnessed by Notary Public and a high ranking government official who is named in the attached correspondences as well as the United States Postal Service is not binding. This complaint serves to protect all those who may be misled by the respondent. The public registry outlines the complete satisfaction of the debt yet the respondent continues to attempt to collect on it. They are violating the law and must be stopped.
04/19/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 10512	Web
Malen & Associates filed a summon and complaint with XXXX County court on XX/XX/XXXX. However, they did not notify or deliver the summon until XX/XX/XXXX. The summon violates multiple state and federal debt collection statues including debt verification clause and misrepresentations. The letter and the complaint violated the law : DID NOT GIVE ADEQUATE TIME TO VERIFY DEBT VALIDATE DEBT THE COMPLAINT FILED ALLEGED AND ASSUMED THAT THE DEBT WAS VALID AND VERIFIED THE COLLECTION LETTER FAILED TO MEET LEGALLY REQUIRED VERBIAGE IN THE LETTER : Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq 1.3 ( b ) We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice : Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired. Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware : if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization. COLLECTION BY DECEPTION - FDCPA - 807 15 USC 1692e False or misleading representations Misleading attempt to bypass federal and state laws and deprives a citizen of properly verifying the debt and disputing the charges Erroneous statements by the legal team on the complaint : Line Item 4 : parties executed an agreement where credit was extended is false : at least one was/is confirmed and frozen due to invalid charges and disputes for many years any statement suggesting otherwise is fraudulent and perjury : XXXX XXXX is advised to revisit this with their legal team Line Item 5 : XXXX XXXX has not made any attempts to collect or make contact or go do anything productive in managing this relationship including providing statements or applications, information or communicating with the client. Public opinion : XXXX XXXX XXXX XXXX XXXX XXXX Evidence suggests that firm bypasses legal requirements and legal protections enshrined by law through legal complaints and summon process. There is overwhelming evidence of the foul and erroneous use of legal courts by this firm against the public. CFPB and the DOJ have to investigate this, not just in the context of fines but in the context of perjury and fraud including false affidavits. This firm fits the pattern of an extortion racket scheme. Moreover, the amounts they are targeting are low amounts but massive in numbers skipping all methods of proper collection practices.
07/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY XXXXX	Web
Many years ago, I received the letter from Malin and associates. They were trying to collect a debt from me I had no idea who they were and basically I ignore them. They did start calling me and I told him I had no idea what the debt was about. At the time that they were calling me I was going through a divorce. My social security number was stolen at the time, I could not make any valid accusations but I kind of knew who did it. My ex-husband was living with someone at the time and he had all of our paperwork in his apartment and I think the person he was living with got hold of my social security number. Anyway, sometime last year, a bank account that belongs to my son was garnished because of this loan that I never applied for. I went to the police, I filed a report, I had the money returned and I saw this loan was on my credit report. But on my credit report, it says it was written off and it was no longer affecting my credit. I called this company and I told him everything that was going on I told him I went to the police. The whole thing was done as far as I knew. And now today I just received a letter from them again saying that my fraud case was invalid and I owe them the money and now they're adding interest. I don't want to go through these issues with this company again. I did not take a loan out, I was in the middle of a divorce, I did not take any loans from anywhere. And also the name that is on the letter that I received is not even my legal name. My legal name, which I have always used is what I am giving you today. Even when I was married, I did not change my name legally. My name on my driver 's license, social security card, and my tax returns etc everything else has always been the name that you see here that I am giving you. This company keeps harassing me And I really don't want to go through any more problems with them anymore. I think they said that this loan was from 2014? I can't even get a straight answer from them, I've asked them multiple times to show me proof that they have that I took a loan out. They have yet to do that. They just are very rude on the phone whenever I call, and they never give me any answers. I really don't want to call them anymore because it just causes more problems. I have never taken a personal loan out in my life. The only loans I have ever taken out were for my cars which were through actual car dealerships and I took a small student loan out for my son. I really need some help with this because I am a single mother and I'm trying to put my kids through college and I really don't need the stress from this company because they already messed around with one of my bank accounts once. Please help me and need to get these people to just leave me alone
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11580	Web
Businesses that provide consumer information to credit reporting agencies have obligations under the Fair Credit Reporting Act ( FCRA ) to ensure compliance with certain procedures and protect consumer privacy. Accuracy of Information is required by law. Businesses must ensure the accuracy of the consumer information they provide to credit reporting agencies. They should have reasonable procedures in place to verify the accuracy and completeness of the data they furnish. If a consumer disputes the accuracy of the information, businesses are obligated to conduct a reasonable investigation. They must review all relevant information provided by the consumer and correct or delete any inaccurate or incomplete information. The fact remains that the name reported by both XXXX XXXX XXXX as well as XXXX XXXX is not my legal name. The nature of the information concerning these accounts is also inaccurate. I have made numerous disputes with XXXX XXXX to remove the inaccurately reported information but with no success. My next step is litigation and this complaint is simply an opportunity to demonstrate before a XXXX XXXX judge or administrator that a final attempt is given to the offending organizations to comply with the law that oversees their actions. I provide with this complaint my American passport book and card as well as my apostille birth certificate bond. The legal first name is XXXX. THERE IS NO MIDDLE NAME. IF A MIDDLE NAME IS RECORDED IT IS XXXX AS SEEN ON THE BIRTH CERTIFICATE BOND. There is no legal basis for the information being reported by XXXX XXXX XXXX XXXX XXXX BANK and/or XXXX XXXX. The debt collectors MALEN & ASSOCIATES as well as XXXX XXXX XXXX XXXX are utilizing this false information for personal gain. These debt collectors claim to represent these credit card companies but in fact they have purchased these debt obligations in an attempt to collect on them. XXXX XXXX XXXX XXXX in particular claims to represent XXXX XXXX by way of a default judgment in a XXXX XXXX XXXX XXXX yet is unable and/or unwilling to join themselves to a XXXX XXXX Supreme Court case where XXXX XXXX is named as a potential creditor. This is index # XXXX. The fact that XXXX XXXX and/or XXXX XXXX XXXX XXXX remains unable and/or unwilling to collect on a default judgment rendered almost four years ago speaks volumes to the frailty of said judgment as their claim is also subject to collateral attack. I reserve my right to pursue any and/or all offenders to the fullest extent of the law. I'd like to take this time to thank the men and women at CFPB for their efforts toward protecting the public.
11/13/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 14609	Web
Malen Associates must report the XXXX XXXX debts as having balance of " XXXX '' TO THE XXXX CREDIT BUREAUS. When XXXX XXXX hired Attorney Firm to collect their XXXX credit card money THAT I OWED THEM DUE TO DEFAULT AND MY UNEMPLOYMENT, surely XXXX XXXX has agreed that the Reporting Power to the CREDIT BUREAU will be given to the Attorneys, and XXXX XXXX would not FURTHER damage my credit. It seems that Malen Associates collected their fees from XXXX XXXX and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. HERE IS MY CASE : In XXXX, XXXX XXXX Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired Malen Associates LLP ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. XXXX XXXX was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with Malen Associates. In XXXX XXXX, I negotiated the terms of my XXXX XXXX XXXX credit cards debts with Malen Associates attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with Malen Associates who had the agreement of XXXX XXXX, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, XXXX XXXX HAS AGREED to this terms. As of today, My XXXX XXXX BANK Account Number : XXXX .... and XXXX XXXX BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, XXXX XXXX XXXX reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through Malen Associates Attorneys, and received letters from Malen Associates for the complete clearance of the credit cards with XXXX XXXX Bank. WHY DOES MALEN ASSOCIATES ATTORNEYS OR A LAW FIRM FOR DEBT COLLECTION ALLOWS THE XXXX XXXX false statements that I have unpaid balances? As of XXXX XXXX the balances are " XXXX '' and Malen Associates sent me a letter of clearance. WHEN XXXX XXXX is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE. SUCH ACTIONS ARE PERMISSIBLE BECOUSE MALEN ASOCIATES ARE INVOLVED IN NEGLIGENCE COLLECTION PRACTICES AND UNFAIR, NO correct REPORTING or no reporting atall.
07/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90036	Web
Malen and Associates PC filed this judgment on behalf of XXXX XXXX. Accoriding to the FCRA 605. Requirements relating to information contained in consumer reports [ XXXX XXXX. XXXX ] ( XXXX XXXX Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) XXXX Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 2. XXXX XXXX XXXX. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired Malen and Associates, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 3. I was in my XXXX when the judgment was filed, I therefore could not have been properly served. for the court appearance. 4. For XXXX XXXX has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure XXXX the Credit Bureaus and Malen and Associates are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. Procedure in case of disputed accuracy XXXX We ask that the CPFB remind XXXX XXXX and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )
06/26/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10025	Web
On XX/XX/XXXX I was given two summons and complaint by a member of a family living where I reside. The summons did not list a hearing date of a court appearance nor was the complaint certified or stamped with a seal from the court. Furthermore, the complaints handed to me are defective because they do not list an index number pertaining to the cases. Please note that by failing to certify the complaint the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1 where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 ) where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title. Nevertheless, on XX/XX/XXXX I sent letters to MALEN & ASSOCIATES P.C. demanding that they validate the debt they claim I owe. On XX/XX/XXXX MALEN & ASSOCIATES P.C mailed two packets containing account statements of the two charged off credit accounts of which my alleged debt accrued. Note, however, that according to an FTC opinion letter by XXXX a computer-generated, itemized statement of services ( such as computer-printed account statements ) are not a validation of an alleged debt.
04/13/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NY 11581	Web
I received this loan back in XXXX from the XXXX XXXX federal credit union. I had that the payments automaticaly deducted from my paycheck on a bi-weekly basis. As of XXXX XXXX, I was on medical XXXX and through the service of XXXX payments and XXXX Insurance from my loan, my loan payments were being covered. In XXXX, XXXX stop making payments to my loan and I was notified in XXXX XXXX that my loan was charged off by said credit union. Then around XXXX XXXX, I started getting consistent calls from a attorney with regards to the debt. I advised the attorney representative that the balance was disputed and I requested a clear history of all my payments from the time the loan was opened.. I received a copy of my contract with signed documents only nothing indicating my payment history of all payments made for the amount owed was disputed. I never received a response from the attorney. Today, my XXXX y/o was served a XXXX XXXX XXXX summons dated XX/XX/XXXX with no prior notification addressing my detailed payment history from the start of the loan which was opened in XXXX. The document states that I have 20 days to file an answer to the complaint or a judgement will be filed. The issue is asking for the documentation of my payment history and not receiving the require documentation. I have no problem making sufficent payment arrangements, but I was never given the opportunity to do so and the company already charged off my debt, reported on all XXXX credit reports..
10/17/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10303	Web
. My complaint is that malen & Associates file number is XXXX XXXX index XXXX their address is XXXX XXXX XXXX XXXX ny XXXX. Their phone is XXXX XXXX unlawfully filed a lawsuit suit against me in civil court XXXX County ny regarding XXXX XXXX XXXX this is a old debt that's fives years old past the state of limitations I had a checking account that was a negative balance back in XXXX. I reach out to the law office male and associates to do a payment plan during that time I told them that I can only pay XXXX dollars a month they agreed with me I signed stipulations I made a few payments I ended up latter getting late during the time covid happened causing this XXXX to change .I was also shock that they did a soft pull on my XXXX credit report in XXXX I got alert from XXXX they thought that during soft pull I won't see inquiry from them but I did in XX/XX/XXXX. Also they sent me a unlawfully letter saying that they filed a judgment against me to take my property without notifying me a all. If I'm on a payment plan and agreed to pay XXXX dollars a month. They don't suppose to filed a judgment against me. And I agree to a payment plan. Even the debt is 5 years old going on six years soon. Also to have judgment vacated. I filed complaint with nys attorney General office that males associates violated covid laws creditors collections and attorneys don't suppose to take legal action from consumers they suppose to work out a solution in payment plan s.
05/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY XXXXX	Web
In XXXX i notified XXXX XXXXXXXX that i was facing financial hardship. I was unemployed and had a credit card i opened up after a XXXX following a severe accident in XXXX. I told XXXX XXXX in XXXX that i was unemployed and asked for their credit protection option for help with my balance due. I was declined the coverage and instead was charged at least 5 past due fees. I was even charged a fee in XXXX of XXXX when i paid on my bill on the correct time. When i indicated that i was unemployed and facing financial difficulties my option were not provided. I was told i had no coverage for protection against past due fees and i was not eligible for rebates or program. Instead i was charged additional fees and then in XXXX it was transferred to a debt collector. The collector is collecting on the past due fees i was charged. On top of the past due fees, i was notified in short form that i had to pay a {$650.00} recovery fee on top of the balance of my cards. This was reported to Malen & Associates who capitalized all past due fees and recovery fee and filed on civil lawsuit on behalf of XXXX XXXX. I attempted to settle with Malen & Associates minus the recovery fee and past due fees and was immediately sued.
04/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
Malen & Associates PC purchased a debt from XXXX XXXX. The debt was loaded up with added fees and penalties prior to the sale of the debt. Malen & Associates PC did not provide adequate documentation when asked to verify the debt. Malen & Associates PC refused to settle the debt in good faith on several occasions. Although Malen & Associates PC claims they are settling in good faith. The company is fully aware that the debt was stacked prior to purchase and is collecting this debt with malice. Malen & Associates PC cites an amount in excess of {$6000.00} every time a debt settlement is made and then will extend the terms and create further financial hardship to the debtor.
09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11207	Web	Servicemember
I spoke to Malen & Associates for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at Malen received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.
02/14/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 10303	Web
Name is XXXX XXXX my complaint is that malen associates has not responded to my faxes and written communication regarding file XXXX the debt is for XXXX XXXX credit card ending in XXXX. I ask malen and associates to set me up on a payment plan I could only afford XXXX XXXX dollars a month and I would like start my first payment in XX/XX/2023. But the problem here is that they have not responded to my request. And I think their doing that on purpose to make it look like I haven't responded in a timely manner. I wrote to them in XX/XX/2023 also.
03/26/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY XXXXX	Web
I owe a old credit card debt to XXXX XXXX. the debt was taken over by Malen & Associates , p.c . The company repeated calls and harasses using a call screener with multiple automated messages. The company has a stipulation of settlement and the company has collected payments and refused settlement. the company still calls me using a automated dialer with a automated message during lunch and dinner. The company is aware i want to settle the debt for less than is owed, and will not stop the harassing communications.
11/24/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	NY 11432	Web
They keep sending mail through the USPS about this debt every month, threatening me with a default on agreement. I pay them every month and they still send these letters. I have proof of payment through screenshots of my bank statements and the confirmation processed from their website. They still keep harassing me. This month they sent two letters. It is causing me a lot of stress and XXXX and it's triggering my XXXX.
06/14/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 14609	Web
XX/XX/2021 a summon for debt {$2900.00} from a company I have never heard of. Company representing XXXX XXXX Malen & Associate P.C Address XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX Phone number ( XXXX ) XXXX ext XXXX I returned a phone call on XXXX about The certified dispute letter to verified the debt. Called on XX/XX/2021 to follow up about verifying the debt. No update on verification.
05/27/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 13090	Web
Malen is pursuing me for a debt that includes illegal late fees. The fees were charged against me incorrectly, plus interest and capitalized fees. I was also required to pay a capitalized fee that was not validated with me. I was not given a description of the amount of interest, principle & penalties and fees that were included in the debt lawsuit filed against me.
02/02/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 11427	Web	Older American
My brother in laws ' bank account was garnished and a hold was placed on his account on XX/XX/2023. My name is on his account for safety purposes only. I have never deposited or used his account. The plaintiff is Malen & Associates, PC. I never received a summons from this company. My income is only from my social security and XXXX XXXX
03/26/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY XXXXX	Web
I am receiving frequent and repeated calls from a robodialer during lunch and dinner. At one point even being called around XXXX XXXX. the calls are from multiple random numbers and have multiple random messages with each call. The automated dialer will call three or four times and come from multiple different numbers.
02/21/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 11214	Web	Older American
I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.
06/04/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10552	Web
On XX/XX/21 XXXX XXXX had Malen & Associates place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly
03/03/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 14225	Web
Debt collection agency attempting to collect on a debt from 2010. They filed legal actions on me. Was notified by a company that I was seeking credit through that they could not give me approval due to pending legal actions!
08/25/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 11204	Web	Servicemember
they keep on harrassing for debt i do n't owe and threating me I have no business relationship with them I asked them for validation of debt they keep on harrassing me non stop.
08/14/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 119XX	Web
My bank account was seized in which funds from a settlement were being held in a debt outside of the three year NYS statute of limitations.
04/12/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 10460	Web
On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid.
04/16/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 109XX	Web
Alleged debt to XXXX XXXX that I do not recall
12/12/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 10452	Web

09/25/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10303	Web

08/19/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10453	Web

12/31/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11203	Web

12/20/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11232	Web	Servicemember

08/06/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10301	Web

05/20/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10468	Web

04/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11368	Web

12/31/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11372	Fax

11/19/2019	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 14141	Web

08/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11216	Referral

08/08/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 12203	Web

06/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Fax

06/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10025	Web

03/06/2019	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 10550	Referral

09/12/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11207	Web	Servicemember

05/17/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10517	Web

02/02/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 11214	Web	Older American

01/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 12741	Referral

12/08/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 14206	Web

09/15/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	NY 10706	Referral

11/02/2016	No	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NY 12182	Phone	Older American, Servicemember

07/19/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 14221	Phone

06/25/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NY 12737	Web

02/04/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 13165	Web	Older American, Servicemember

10/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14223	Fax

06/29/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NY 10065	Web

03/12/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NY 10065	Web

03/05/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	NY 10462	Web