Debt collection -- Attempts to collect debt not owed -- Complaint #12606732

Complaint Overview

Complaint ID: 12606732

Company: Zwicker & Associates

Product: Debt collection

Sub-Product: Other debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: California

ZIP Code: 90042

Date Received: 2025-03-21T12:00:00-05:00

Date Sent to Company: 2025-03-21T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX files a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Zwicker & Associates, XXXX. and XXXX XXXX XXXX XXXX ( XXXX ) for ongoing violations of the FDCPA, FCRA, Californias RFDCPA, CCPA, and the GLBA. Zwicker attempts to collect an alleged debt ( File ID : XXXX ) without providing legally required validation, despite XXXX sending multiple certified mail requests dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of XX/XX/XXXX, 342 calendar days have passed since the initial validation request, and Zwicker continues collection efforts and credit reporting in direct violation of federal and state law. On XX/XX/XXXX, Zwicker mails XXXX a debt collection packet that includes private financial information for an unrelated third party, XXXX XXXXincluding his full name, address, date of birth, account number, and a {$16000.00} balance. XXXX repeatedly requests an investigation and remedy, but Zwicker refuses to acknowledge the privacy breach, violating provisions of the FDCPA, CCPA, and GLBA. Meanwhile, XXXX continues furnishing the unvalidated debt to XXXX and other credit bureaus despite multiple formal disputesviolating FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits reporting information that is disputed or unverified. XXXX also highlights improper service in a related XXXX XXXX Superior Court case ( No. XXXX ), where Zwicker and XXXX serve legal documents to a minor. He sees this as part of a larger pattern of misconduct and refers to legal precedents like Sessa v. TransUnion and Spokeo v. Robins to support his claims. On XX/XX/XXXX, XXXX sends a final demand letter asking for closure of the debt, a halt to all collection and litigation efforts, written confirmation that the account wont be transferred or resold, permanent removal of all credit reporting, and a detailed response addressing the privacy breach. Zwicker and XXXX ignore the demands. XXXX estimates over {$9800.00} in damagesincluding over 45 hours spent on legal research and correspondence, missed mortgage refinancing due to negative credit reporting, higher auto loan interest, and reputational harm. He urges the CFPB to take immediate regulatory enforcement action, refer the case to the California Attorney General and DFPI, and pursue civil penalties. He also requests bar review of the attorneys involved and injunctive relief to stop ongoing violations. XXXX holds Zwicker, XXXX, and XXXX accountable for knowingly and repeatedly breaking the law while refusing to resolve the harm they cause.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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