Debt Collector Harasses Consumer for Account Never Held
A consumer received repeated calls and texts from a debt collector claiming an account balance that the consumer never opened or authorized, despite multiple requests to cease contact. The collector failed to provide any chain-of-custody documentation, account agreements, or balance history when requested, yet reported the alleged debt to credit bureaus causing score damage and credit denials. Contact continued from rotating phone numbers even after explicit stop-contact demands.
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