Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18307933
Complaint Overview
Complaint ID: 18307933
Company: Law Office Of Brett M. Borland, P.C.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Alabama
ZIP Code: 35160
Date Received: 2025-12-26T12:00:00-05:00
Date Sent to Company: 2025-12-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against XXXX XXXX XXXX ( original creditor ), XXXX XXXX XXXX ( debt collector ), and the Law Office of Brett M. Borland for violations of the FDCPA, FCRA, and Georgia state law. 1. Failure to Provide Statutory Itemization ( O.C.G.A. 44-7-33 & 34 ) On XX/XX/year>, I paid a final balance of {$640.00} to XXXX XXXX XXXX. Although my Notice to Vacate ( XX/XX/year> ) stated that a final statement of charges and damages would be provided after move-out, I never received this document. I made four written requests via email ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> ) for a final itemized statement. To date, the creditor has failed to provide this mandatory disclosure required under Georgia law to establish any further debt. 2. Violation of Debt Validation Rights ( FDCPA 15 U.S.C. 1692g ) The account was transferred to XXXX XXXX XXXX ( NCS ) and subsequently the Law Office of Brett M. Borland. I have disputed the validity of this debt in writing because the original creditor failed to provide the documentation required to prove the debt exists. Despite these active disputes, neither the collection agency nor the law office has provided verification of the debt. On XX/XX/year>, a representative from the Law Office of Brett M. Borland left a voicemail attempting to collect on this unverified and disputed account, which is a direct violation of the FDCPAs requirement to cease collection until the debt is validated. 3. Inaccurate Credit Reporting ( FCRA 15 U.S.C. 1681s-2 ( b ) ) The parties are reporting this unverified and inaccurate information to the credit bureaus. Because the underlying debt has never been itemized or validated despite repeated requests, the reporting is inaccurate. The companies have failed to conduct a reasonable investigation into my disputes and continue to report the debt.
Frequently Asked Questions
What is Complaint #18307933 about?
Complaint #18307933 was filed against Law Office Of Brett M. Borland, P.C. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-26T12:00:00-05:00.
How did Law Office Of Brett M. Borland, P.C. 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 Law Office Of Brett M. Borland, P.C.?
Yes, visit the Law Office Of Brett M. Borland, P.C. company profile at readthecomplaint.com/company/law-office-of-brett-m-borland-p-c 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.