Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12127579
Complaint Overview
Complaint ID: 12127579
Company: Galaxy Capital Acquisitions, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Hawaii
ZIP Code: 96789
Date Received: 2025-02-18T12:00:00-05:00
Date Sent to Company: 2025-02-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ) for violating federal law by reporting an unverified debt and failing to comply with consumer protection regulations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). XXXX. XXXX Failed to Provide Legal Proof of Debt ( Violation of 15 U.S.C. 1692g ) XXXX was required to provide a signed contract proving I owe this debt. The documents they provided DO NOT meet the legal validation standard. A billing statement or generic creditor notice is NOT legal proof of debt ownership. XXXX. XXXX Reported an Unverified Debt to Credit Bureaus ( FCRA Violation - 15 U.S.C. 1681s-2 ( b ) ) Under the FCRA, XXXX can not report inaccurate or unverified information. Since I disputed this debt, XXXX must provide full documentation, or the credit bureaus must remove it. XXXX has failed to prove that they legally own this debt. XXXX. XXXX Ignored the Statute of Limitations XXXX did NOT confirm whether this debt is within the legal collection period in Hawaii. If the debt is time-barred, they must cease all collection attempts immediately.
Frequently Asked Questions
What is Complaint #12127579 about?
Complaint #12127579 was filed against Galaxy Capital Acquisitions, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-02-18T12:00:00-05:00.
How did Galaxy Capital Acquisitions, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Galaxy Capital Acquisitions, LLC?
Yes, visit the Galaxy Capital Acquisitions, LLC company profile at readthecomplaint.com/company/galaxy-capital-acquisitions-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.