California has a bond company insurance system.  That system helps provide a baseline for financial recovery in the event of negligence or fraud with a Contractor or Inspector.   The Bond Companies invite investigation requests. They suggest it is part of their services to the public. They are supposed to be well versed in the state statues that regulate them. When engaged, we found two of them grossly skirted their duties by patently ignoring the statutes that were to guide them in their investigations.  Elmira's eventual client was related to one of those.    

The State Statutes and the Bond Company Insurance policies indicate they are responsible for partial reimbursement for fraud that affects third parties. 

To our shock, the Contractors State Licensing Board (CSLB) , the Consumer Protection Division of California responsible for investigating fraud had a long standing policy of denying investigations into third party complaints. This is a clear violation of statute but they didn't care.  When they issued a notice stating they would not investigate due to lack of standing as a direct client of the contractor,  the bond company investigator closed his investigation as well.  One fraud does not justify another.  Attempts were made to get him to re-engage and he refused.  Legal threats were sent and Elmira engaged on his behalf. 

Without any legal basis to support her clients actions, she fabricated facts in writing to create a document that presents a proper defense, with the excpetion that none of the facts she fabricated are found in the underlying document from the CSLB. 

This is the letter from the CSLB refusing to open / execute an investigation. 

The following are 3 acts of Fraud, Mis-conduct, and/or incompetence by Howard

1. Standing vs Merit - She stated an investigation was closed for lack of merit when in fact it was never properly open due to a standing excuse that was fraudulent. 

2. Violation of Contractor Law -  She declared the CSLB found no violations of the Contractor Law, when in fact they never did an investigation. 

3. Closure without adverse findings -   She declared the CSLB closed our complaint without adverse findings, when in fact they never did an investigation.