Thank you for your comment, FixTheSystem and welcome to RegulationRoom. CFPB provides a page where consumers can submit a debt collection complaint directly to them about problems with companies. It sounds like you believe that filing an unsubstantiated lawsuit is a false or misleading representation made to collect a debt, see Unlawful collection practices subtopic 6 to discuss this more. CFPB could require that collectors have this sort of documentation before filing suit – but enforcing this in the lawsuit itself is the problem of state rules of pleading and practice.
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Thank you for your comment, FixTheSystem and welcome to RegulationRoom. CFPB provides a page where consumers can submit a debt collection complaint directly to them about problems with companies. It sounds like you believe that filing an unsubstantiated lawsuit is a false or misleading representation made to collect a debt, see Unlawful collection practices subtopic 6 to discuss this more. CFPB could require that collectors have this sort of documentation before filing suit – but enforcing this in the lawsuit itself is the problem of state rules of pleading and practice.
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