Stop 3rd Party Debt Collectors - No Fee Service

04/06/2026

If AMEX (or any credit card company) adversely impacted your credit score by reducing your credit limit to falsely show you are close to or beyond your creditor limit, and when you ask for a reason why they fail to provide a valid reason...file a complaint with the CFPB. This is illegal per 15USC41 §1601.

Let your voice be heard...they starting to do some weird stuff in commerce.

Submit a complaint | Consumer Financial Protection Bureau

Find information and tools to submit a consumer complaint to the Consumer Financial Protection Bureau.

02/17/2026

In Ray v. Experian, the U.S. District Court for the Northern District of Texas denied a debt collector's motion for summary judgment, finding that genuine, material disputes existed regarding the reasonableness of its investigation into consumer credit disputes. The case highlights that inadequate or questionable investigation procedures under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) prevent early dismissal, requiring a trial to resolve the issues.
ACA International

Key Takeaways from the Case:
Reasonableness of Investigation: The court determined that whether a debt collector or credit reporting agency (CRA) conducted a "reasonable" investigation is a question of fact, not just law, particularly when the plaintiff presents evidence that the investigation was superficial.

FCRA/FDCPA Compliance: The decision reinforces that merely processing a dispute without substantive review, particularly when data remains inaccurate, may violate FCRA section 1681i and FDCPA standards.

Preclusion of Summary Judgment: When a consumer raises a genuine dispute about the accuracy of their credit file and the adequacy of the investigation, the case cannot be resolved via summary judgment.
ACA International
ACA International
+4
This ruling serves as a reminder to credit reporting agencies and data furnishers that, despite the high volume of disputes, conducting thorough,, individualized investigations is necessary to avoid liability.

When knowing your rights is not enough, but proving a violation of your rights make all the difference. WE can assist with asserting your rights and helping you win your case against debt collectors.

02/17/2026

It's that time of year again...check your credit for free at https://www.annualcreditreport.com/index.action

If you find anything on your report you want removed, contact us, we can help.

ACR Home Page

10/12/2025

If you have dealt with these companies, you may be owed money from a lawsuit.
Check the CFPB website for details at: https://www.consumerfinance.gov/enforcement/payments-harmed-consumers/payments-by-case/ -cases

If you have questions, contact us for additional assistance at: Stop3rdPartyCollectors.org

Defendant name Type of compensation
Access Funding
All American Check Cashing
Andrew Gamber, et al.
Bounceback INC
BrightSpeed
Burlington
Candy Kern-Fuller, et al.
Certified Forensic Loan Auditors et al.
College Financial Advisory
DriverLoan LLC., and Angelo Jose Sarjeant
Federal Debt Assistance Association (FDAA)
GST Factoring, Inc.; Amanda Johanson; David Mize; Jacob Slaughter; Daniel Ruggiero et al.
Howard Law
Hydra Group
JPay, LLC
Katharine Snyder, et al.
Mark Corbett
Monster Loans
LendUp Loans, LLC
Lexington Law and CreditRepair.com
Prehired, LLC
Performance SLC, LLC, Performance Settlement, LLC and Daniel Crenshaw
SMART Payment Plan, LLC
Stephen Lyster Siringoringo also d/b/a Siringoringo Law Firm, Clausen & Cobb Management Company, Inc., and Joshua Cobb
Tempoe, LLC
Think Finance, LLC
Timemark
Universal Debt Solutions, et al
U.S. Equities Advantage, Inc.

Payments to harmed consumers by case

09/25/2025

If you ever used Lexington Law for credit repair or CreditRepair.com, you are owed a refund from a recent lawsuit.

https://www.cfpb-lexlaw.org/contact

Contact Information for the Lexington Law Matter

09/25/2025

If you were issued and used a JPay prepaid card on or before October 22, 2021, you are entitled to receive funds from a CFPB lawsuit settlement. Ensure you receive your check as distributions are being made.

CFPB v. JPay, LLC. | Consumer Financial Protection Bureau

In October of 2021, the CFPB issued an order against JPay for violating Federal consumer financial protection laws.

09/22/2025

Another satisfied customer, successfully removed a ~$10k rental property collection account entry in 2 months.

We handle credit repair, active court cases , and most garnishments. Have a credit concern plaguing you, contact us for assistance.

05/31/2025

Latest news regarding CFPB Enforcement....https://www.consumerfinance.gov/about-us/newsroom/cfpb-announcement-regarding-enforcement-actions-related-to-buy-now-pay-later-loans/

05/31/2025

https://www.consumerfinance.gov/about-us/newsroom/cfpb-announcement-regarding-enforcement-actions-related-to-buy-now-pay-later-loans/

The CFPB is announcing that it will not prioritize enforcement actions taken on the basis of the Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans, 89 Fed. Reg. 47,068 (May 31, 2024) (“Buy Now, Pay Later”).