Debt collection -- Attempts to collect debt not owed -- Complaint #15446052
Complaint Overview
Complaint ID: 15446052
Company: Lien Enforcement INC
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: 90302
Date Received: 2025-08-21T12:00:00-05:00
Date Sent to Company: 2025-08-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'Formal Complaint Statement for CFPB / FTC / Attorney General\n\nSubject:\nFDCPA Violations Harassment and Failure to Validate Debt by \n\nFormal Complaint Statement for CFPB / FTC / Attorney General\n\nSubject:\nFDCPA Violations Harassment and Failure to Validate Debt by \\[Law Firm Name]\n\nTo Whom It May Concern,\n\nI am filing this formal complaint against **\\[Law Firm Name]** for violating my rights under the **Fair Debt Collection Practices Act (FDCPA)** specifically under **15 U.S. Code 1692g** and **15 U.S. Code 1692c**.\n\n1. **Failure to Validate Debt 15 U.S. Code 1692g**\n\nThe firm has contacted me attempting to collect an alleged debt but has **failed to provide any legally required validation** of the debt. Despite my request, they have not:\n\n* Provided the amount of the debt;\n* Identified the original creditor;\n* Provided verification or any supporting documentation proving their right to collect;\n* Honored the 30-day dispute and verification window as required by law.\n\nThey are continuing collection activities **without first validating the debt**, which is a direct violation of federal law.\n\n2. **Harassment and Unlawful Communication 15 U.S. Code 1692c**\n\nThe firm has also engaged in **harassing and coercive communication**, including:\n\n* Contacting me at inappropriate times;\n* Ignoring my request for no further communication;\n* Using aggressive, misleading, or intimidating language;\n* Attempting to pressure me into payment without proof or explanation.\n\nTheir continued communication after being notified in writing to stop is **not only unlawful but intentional**, and it demonstrates a blatant disregard for consumer protections under federal law.\n\n3. **Requested Resolution**\n\nI am requesting that:\n\n* This law firm be **investigated** for FDCPA violations;\n* They be ordered to **cease all collection efforts** until they comply with federal validation procedures;\n* They be penalized for their harassment and non-compliance, and prevented from reporting inaccurate or unvalidated debt to credit bureaus;\n* My rights under federal and state consumer protection laws be upheld and enforced.\n\nI am also prepared to take **legal action** to seek damages and hold the firm accountable under the FDCPA if this matter is not resolved immediately.\n\nThank you for your attention to this serious issue.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern,\n\nI am filing this formal complaint against **\\[Law Firm Name]** for violating my rights under the **Fair Debt Collection Practices Act (FDCPA)** specifically under **15 U.S. Code 1692g** and **15 U.S. Code 1692c**.\n\n1. **Failure to Validate Debt 15 U.S. Code 1692g**\n\nThe firm has contacted me attempting to collect an alleged debt but has **failed to provide any legally required validation** of the debt. Despite my request, they have not:\n\n* Provided the amount of the debt;\n* Identified the original creditor;\n* Provided verification or any supporting documentation proving their right to collect;\n* Honored the 30-day dispute and verification window as required by law.\n\nThey are continuing collection activities **without first validating the debt**, which is a direct violation of federal law.\n\n2. **Harassment and Unlawful Communication 15 U.S. Code 1692c**\n\nThe firm has also engaged in **harassing and coercive communication**, including:\n\n* Contacting me at inappropriate times;\n* Ignoring my request for no further communication;\n* Using aggressive, misleading, or intimidating language;\n* Attempting to pressure me into payment without proof or explanation.\n\nTheir continued communication after being notified in writing to stop is **not only unlawful but intentional**, and it demonstrates a blatant disregard for consumer protections under federal law.\n\n3. **Requested Resolution**\n\nI am requesting that:\n\n* This law firm be **investigated** for FDCPA violations;\n* They be ordered to **cease all collection efforts** until they comply with federal validation procedures;\n* They be penalized for their harassment and non-compliance, and prevented from reporting inaccurate or unvalidated debt to credit bureaus;\n* My rights under federal and state consumer protection laws be upheld and enforced.\n\nI am also prepared to take **legal action** to seek damages and hold the firm accountable under the FDCPA if this matter is not resolved immediately.\n\nThank you for your attention to this serious issue.'
Frequently Asked Questions
What is Complaint #15446052 about?
Complaint #15446052 was filed against Lien Enforcement INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-08-21T12:00:00-05:00.
How did Lien Enforcement INC 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Lien Enforcement INC?
Yes, visit the Lien Enforcement INC company profile at readthecomplaint.com/company/lien-enforcement-inc 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.