The Partnership Heist: How a Disabled Woman Built a Business—And Watched Three Con Artists Steal It While She Slept
- Joeziel Vazquez
- 11 hours ago
- 39 min read
An Investigation by Joeziel Vazquez
CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS)
17 Years Experience
Published: December 31st 2025
Reading Time: 47 minutes
December 18, 2025: A Facebook post. A platinum award. A comment that would unravel everything.
Devin Shaw was celebrating. The photo showed him holding a "SaaSPRENEUR Platinum" award from GoHighLevel, a prestigious recognition in the software automation industry. Friends and colleagues flooded the comments with congratulations. Among them, one comment stood out—not for what it celebrated, but for what it revealed.
Lucia Corral wrote: "It's winning season and we're killing it! Can't stop, won't stop! 💥🎯💯 The whole Ninja Team getting awards left and right 😤🔥🚀 Tax Ninja Pros Ninja Premium Outsourcing"
The comment sat there, public and uncontested, for eighteen days.
Then, on January 5, 2026—just hours after I began interviewing victims for this investigation—Devin Shaw issued a press release with a very different message: "Ninja Automations is not affiliated, associated, partnered, or legally connected in any way with any other business, entity, or individual operating under a similar name that includes the word 'Ninja.'"
But Texas Secretary of State records tell a different story. They show Devin Shaw as the Registered Agent for Ninja Outsourcing LLC, formed March 23, 2023. The business remains active.
And Lucia Corral's comment—claiming they're all one unified "Ninja Team"—still sits on his Facebook page, undeleted, unexplained.
Someone is lying. And as you're about to discover, that lie is just the surface of something far more sinister: a sophisticated con that's been running for at least three years, leaving a trail of destroyed businesses, exploited disabilities, stolen intellectual property, and victims too terrified to speak.
This is the story of how it all began. And it starts with a woman who worked sixteen-hour days to build something beautiful—only to watch three predators systematically steal everything while convincing her it was for her own good.
Her name is Vivi Campbell. And for more than two years, she stayed silent.
Until now.
The Woman Who Built an Empire While Fighting Her Own Body
November 2021. Vivi Campbell was scrolling through the Credit Repair Cloud Facebook group when she found what she was looking for: mentorship. She had Multiple Sclerosis—a disease that attacks the central nervous system, causing unpredictable symptoms that can range from mild numbness to complete paralysis. Some days were manageable. Other days, her body betrayed her.
But Vivi was determined. She found Steven Gomez offering one-on-one coaching sessions and signed up. They clicked immediately. Gomez had an outsourcing company and needed help. Vivi needed training. He taught her credit dispute strategies. She handled most of the disputing work and helped with his mentorship classes.
Through Gomez, Vivi met a man named Devin Shaw.
Shaw had already been working with Gomez—creating GoHighLevel automation systems under a brand name that would become infamous: "Ninja." He was servicing some of Gomez's outsourcing clients, building his reputation as an automation expert while using someone else's client base to establish credibility.
This detail is important. Remember it. Because as you'll discover in Part 2 of this investigation, using other people's businesses as stepping stones to build his own empire wasn't new behavior for Devin Shaw. It was his signature move.
In September 2022, Gomez's business took a devastating financial hit when they lost a major outsourcing client. Vivi, not wanting to be "another bill they had to pay," stopped working for him between September 25-27, 2022. But one of Gomez's clients—someone Vivi had been the sole point of contact for—asked if she could continue servicing his account directly.
She said yes. When Steven asked if the client was working with her, she lied. She said no.
"I wish I could take it back and just tell Steven the truth," Vivi told me during our first interview, her voice heavy with the kind of guilt that abusers count on. "For that, I'm a shitty person. And maybe what Lucia, Jeff, and Devin did to me was karma."
This guilt—this belief that one mistake meant she deserved what happened next—is exactly what kept Vivi silent for more than two years. It's what almost kept me from ever hearing her story at all.
And it's what predators like Devin Shaw, Jeff Inniss, and Lucia Corral depend on to keep operating.
The Partnership That Wasn't: "It Would Be 50/50"
Around November 2022, Vivi started working with Devin Shaw. The pitch was straightforward: they would split outsourcing revenue 50/50. Shaw would keep 100% of the automation revenue from his GoHighLevel business, which was already operating under the brand "Ninja Automations."
When they partnered, they rebranded to "Ninja Outsourcing" to reflect the new focus on credit dispute services.
There was no written agreement. Everything was discussed via FaceTime or Discord. Vivi no longer has access to the Discord channel where these conversations took place.
If this seems like an obvious red flag in hindsight, you're right. But here's what makes cons work: they don't feel like cons when you're inside them. They feel like trust. Like partnership. Like friendship.
And Vivi was drowning.
The workload was staggering. She was handling disputes for 10 to 15 credit repair company clients. Each of those companies had between 15 and 50 individual consumer accounts. The two biggest accounts each had more than 150 clients.
Do the math: Vivi was potentially managing disputes for hundreds of individual consumers. By herself. While fighting a disease that could render her bedridden without warning.
"I was working 16-hour days and wasted my own money on paper and ink," Vivi said. She admits she made mistakes—communication with clients wasn't always what it should have been. "But as one person I could only do so much. I accept my errors and I did try my very best to make changes in my process to make it better."
Meanwhile, Devin Shaw focused exclusively on the automation side. He wasn't printing letters. He wasn't stuffing envelopes. He wasn't managing client expectations or responding to frustrated credit repair companies demanding updates.
He was building systems. And watching Vivi burn out.
That's when he made his move.
The Trojan Horse: "They'll Do All the Work While You Rest"
June 2023. About six to seven months into their partnership, Devin came to Vivi with an idea. A friend had introduced him to Jeff Inniss and Lucia Corral (Jeff also goes by Jeff Corral according to some public records and a LexisNexis report). They had experience in the credit repair industry. Lucia was supposedly an expert in consumer law and Metro 2 formatting. Jeff would handle sales. Lucia would handle disputes alongside Vivi.
"Devin said to me, 'I think it would be great to have them do all the work while you take a well-deserved break,'" Vivi recalled. "At the time I was dealing with a lot of my health issues. So I was like, great! I thought it was a great idea."
Vivi already knew Lucia. She had seen her in Steven Gomez's Facebook group, appearing on his live streams. Lucia seemed nice, knowledgeable about credit repair. They had exchanged messages over the months, liked each other's posts. There was existing rapport, existing trust.
This wasn't random. Lucia Corral had been cultivating this relationship for months before the partnership pitch ever came. When Devin suggested bringing Jeff and Lucia on board, Vivi didn't see a threat. She saw help from someone she already trusted.
It was a long con. And Vivi walked right into it.
The financial structure sounded fair on paper: any new clients that came into Ninja Outsourcing would be split three ways. For the first six months, there would be "no losses money"—meaning Vivi would keep her pre-existing clients, and Jeff and Lucia would bring in their own.
On June 29, 2023, Devin set up a Zoom meeting to formalize the partnership. Vivi has the screenshot. Four partners: Devin Shaw, Vivi Campbell, Jeff Inniss, and Lucia Corral.
Jeff's role was sales. Lucia would handle disputes alongside Vivi. They even had a small team: Lucia's son and a friend, both paid three dollars per dispute they completed.
(Pause here. Three dollars per dispute. Likely paid to individuals without formal employment agreements. Possibly including a minor. We'll return to potential labor law violations in a later installment, but for now, just note the pattern: these aren't people who concern themselves with legal compliance.)
"The first week, that's how things worked," Vivi said. "And little by little they started taking over more of the disputing. And honestly I did not think about it because Devin kept telling me to take care of my health. So I did that."
Read that again: "Little by little."
This is how sophisticated cons work. They don't rob you at gunpoint. They convince you to rest, to trust them, to step back for your own good. And while you're resting, they quietly take over every aspect of the operation you built.
Devin kept reassuring Vivi: take it easy, focus on your health, we have people working for us now.
And Vivi—exhausted, sick, trusting—did exactly that.
Within three months, she would discover just how catastrophically she'd been played.
The Lockout: September 22, 2023
About two weeks before everything fell apart, the four partners had planned to rent an Airbnb in Dallas. Vivi was going to fly in. She can't remember if Jeff and Lucia were still living in Florida or had already moved to Texas, but the plan was clear: they'd all meet in person, go live on Facebook together, and promote Ninja Outsourcing as a unified team.
Then Vivi got sick. Really sick. She ended up in the hospital and couldn't make the trip.
"They all told me not to worry about it and that they would call me because we were going to go live on Facebook," Vivi said. "So they went live. They never called me. Nothing. They did not even mention my name, not even Devin."
All Devin did was praise Jeff and Lucia for all the work they had put into Ninja Outsourcing.
"That really hurt me," Vivi said. "But the whole time they were together, none of them would answer my calls. Devin did text me once and said he would call me back but he never did. And at that point I knew what's going on. I knew in my gut that they were making moves to push me out."
On September 22, 2023, Vivi woke up and discovered she couldn't access the system.
The GoHighLevel account—the central nervous system of Ninja Outsourcing's operations—had been created by Devin Shaw. As the administrator, only he had the power to lock someone out completely.
And that's exactly what he did.
They changed the passwords to all email accounts. They locked her out of the Google Sheet containing their client list. Everything. In one coordinated move, Vivi Campbell—the woman who had worked sixteen-hour days building this business, who had invested her own money in supplies, who had handled hundreds of disputes while fighting a degenerative disease—was completely shut out.
"I never in a million years thought I would be locked out of the system," Vivi said. "I was recovering [from health issues] so I wasn't doing much of any work. I just never thought..."
She trailed off. Even now, more than two years later, you can hear the betrayal in her voice.
The only communication she received was from Jeff Inniss. On September 23, 2023, she sent Jeff a message expressing how she felt. He responded. Vivi has screenshots of that conversation. He promised they would talk the next day.
They never called.
Devin Shaw did eventually give Vivi access back to her original clients—the ones she had before partnering with him. But by then, the damage was done. She had been systematically isolated, defamed, and pushed out of the business she had built.
The Interview: When the Lies Started Unraveling
When I interviewed Devin Shaw on January 6, 2026, I asked him directly what happened. His response revealed everything:
Me: "In September 2023, Vivi was locked out of the GoHighLevel system. You owned the admin account. What happened?"
Devin: "There was turmoil within the company where partners were saying that Vivi was not doing any work."
Me: "Which partners?"
Devin: "Jeff and Lucia."
Me: "When Lucia said that Vivi was not doing the work, did you have proof of it?"
Devin: "Just took her word. She gave me no reason not to trust her."
Let's be absolutely clear about what happened here: Devin Shaw locked Vivi Campbell out of the business she had spent months building—a business where she had worked sixteen-hour days, invested her own money in supplies, and handled hundreds of disputes for their shared clients—based solely on the word of two people who had been in the partnership for less than three months.
He had no evidence. No documentation. No proof. Just Lucia Corral's claim that Vivi "wasn't doing any work."
Me: "Did you discuss this with Vivi beforehand?"
Devin: "I do not recall. I am looking for messages because I don't see a conversation where she is saying she is locked out or where I told her she was locked out."
He later admitted: "I do see messages from Vivi showing that she needed access because she was locked out."
Me: "Did you send her any warning?"
Devin: "No."
Me: "Show me proof you communicated this to her."
He promised to send documentation. As of this writing, nothing has been provided.
But here's where it gets even more interesting. During my interview with Devin, he positioned himself as someone who had also been victimized—someone who had been manipulated by Jeff and Lucia, who didn't know what they were really doing.
And I later learned he had told Vivi the same story: that Damien and Jeremie from a company called Mustard had stolen from him. That they had taken his processes and his clients. He was painting himself as the victim, not the perpetrator.
It was convincing. During my interview with Devin on January 5, 2026, I actually wondered if he was an unwitting participant who had been manipulated by more sophisticated con artists.
Then, just two hours later, I interviewed Damien.
The Pattern Emerges: "This Is What I Know"
On January 5, 2026—after months of investigation that had begun in October 2025 (I interviewed almost 40 people)—I interviewed Devin Shaw for about two hours. Then, just two hours later, I interviewed Damien, one of the co-founders of Mustard, a credit repair software company. What he told me inverted everything Devin had just said.
According to Damien, Devin Shaw joined Mustard as a partner and was given complete admin access to their GoHighLevel systems. Before leaving the partnership, Shaw took a complete digital "snapshot" of their entire infrastructure—every workflow, every client, every proprietary process they had built.
He then contacted Mustard's clients directly, telling them they were "signed up for the wrong package amount" and transferred them to his own GoHighLevel agency.
When Damien confronted him about the stolen form that appeared in Ninja's system, Shaw allegedly said: "Oh my fault I had so many things I didn't realize."
(You'll read Damien's full story in Part 2 of this investigation. But for now, understand this: the same pattern Vivi experienced—infiltrate, gain access, undermine existing partners, steal infrastructure, exit with competing business—had been deployed before. Multiple times. By the same person.)
And here's the most damning detail: Devin Shaw told Vivi that Damien and Jeremie had stolen from him. He positioned himself as the victim of Mustard, not the perpetrator.
The same reversal of perpetrator and victim. The same manipulation tactic. The same lies.
During my interview with Damien, he said something that's haunted me ever since: "Devin plays the game right. He plays it like Epstein."
The Defamation Campaign: "They're Saying I'm Doing Illegal Things"
Being locked out of the system was only the beginning. What happened next reveals just how calculated this operation really was.
Vivi's clients—the ones she had brought into Ninja Outsourcing, the ones she had been servicing before Jeff and Lucia ever entered the picture—started reaching out to her with disturbing news.
"Lucia, or Jeff, were saying that I was doing bad things and illegal actions," Vivi told me. "That Vivi did not know how to do disputes, and that my work ethic was very bad. And talking Lucia up, saying that Lucia was good with consumer law and Metro 2."
Multiple clients reported the same story. They were being told that Vivi was incompetent, possibly engaged in illegal activities, and that her work quality was poor. Meanwhile, Lucia was being positioned as the expert, the professional, the one who actually knew what she was doing.
This is textbook defamation designed to retain clients during a business separation. Instead of simply taking over operations, Jeff and Lucia poisoned the well. They made sure that even if Vivi tried to reconnect with her former clients, those clients would have serious doubts about her capabilities and ethics.
When I asked Devin Shaw about this during our interview, his response was immediate: "No, that's not even how I talk. I know for sure I would have never said that."
Me: "Did Jeff or Lucia make these defamatory statements....?"
Devin: "One hundred percent."
Me: "If yes, did you try to stop them?"
Devin: "Never heard of any of this until now."
Either Devin Shaw was completely oblivious to what his partners were doing with his shared clients, or he's lying about his knowledge of the defamation campaign.
Given everything else we've uncovered—including evidence you'll see in subsequent parts of this investigation—I'll let you draw your own conclusions.
The Harassment: August 2025
Vivi tried to move on. She went back to outsourcing work independently, rebuilding from scratch. She tried to stay quiet, to put the nightmare behind her.
But in August 2025—nearly two years after being locked out—something happened that made it impossible to stay silent any longer.
She started receiving phone calls. Blocked numbers. Someone would call and either hang up immediately or say something obscene. One phrase she remembers clearly: "Suck a dick." Then they'd hang up.
It happened repeatedly. Enough times that Vivi filed a police report.
Her brother-in-law is a detective with the Riverside County Sheriff's Department. When Vivi told him what was happening, he advised her to contact the Dallas Police Department because the harassment, combined with Facebook posts about "the truth being exposed," constituted stalking under Texas law.
"I didn't recognize the voice, but it was a man's voice," Vivi said. "They were calling from a blocked number."
Now here's where this story takes a turn that should concern everyone in the credit repair industry: Vivi wasn't the only one receiving these calls.
I spoke with multiple other women who had crossed Jeff Inniss and Lucia Corral. And the pattern was identical.
The Pattern Nobody Was Talking About
During my investigation, I interviewed a woman named Charlotte who runs Truly Restored Credit Repair. She had used Ninja Outsourcing for 3-4 months before stopping their services because she "was not getting results" and "did not like interacting with Jeff."
When she stopped their services, Lucia was respectful. Jeff made excuses.
In June 2025, Charlotte attended an MFSN (MyFreeScoreNow) networking event at the Monarch Rooftop in New York. About 200 people were there. Charlotte approached Lucia first, trying to be professional: "Hey Lucia, I wanted to come up and say hi to you. I don't want any bad blood between us."
Lucia was receptive. They had a brief, cordial conversation.
Then Charlotte saw Jeff.
"I walked up to him and said hi, trying to introduce myself in person the same way I went up to Lucia," Charlotte told me. "Trying to not make it awkward with us being in the same space. To have a professional interaction."
What happened next was witnessed by Charlotte's employee, Tiffany Smith.
"He grabbed my hand, squeezed tight, and pulled me in," Charlotte said. "It was very tight to the point I could not pull away if I wanted. It lasted the entire time we talked because he pulled me in, so I would say less than a minute."
Jeff's exact words, delivered in what Charlotte described as a "deep, aggressive" tone: "You had some choice words to say to me last time we spoke, didn't you?"
"It took me a second to even understand what was even happening because I was so off guard," Charlotte said. "I laughed because I was so in shock and said yes I did, and I made sure to squeeze his hand tight right back."
When Charlotte sat down with Tiffany afterward, Tiffany said: "I cannot believe a grown man just did that. If your husband was here, he never would have done something like that to you."
But here's the detail that connects Charlotte's story to Vivi's: In August 2025—the same month Vivi started receiving obscene phone calls from blocked numbers—Charlotte received a call from a blocked number. A man's voice said: "Ride this big black cock."
Two women. Same month. Same pattern: blocked numbers, obscene statements, immediate hang-ups. Both women had criticized Jeff and Lucia's business practices.
The odds of this being coincidental are astronomical.
And it gets worse.
Another Victim Steps Forward: Nicole Ashley's Story
On the same weekend in August 2025—while Vivi and Charlotte were receiving obscene phone calls—a woman named Nicole Ashley was attending an MFSN event in Las Vegas.
Nicole had known Lucia on Facebook for a long time, thinking she was "a girl from the Philippines, like a VA or something." She didn't realize Lucia was associated with Ninja until Ashley Deal mentioned that Jeff and Lucia were coming to the Vegas event.
"The first thing Jeff said to me is that he likes to cook and he is a good father," Nicole told me. "And Lucia was saying how they have been engaged for five years. My thoughts were, 'Girl, you ain't never getting married cause why y'all engaged for 5 years.'"
On night two or three, there was a mixer on a rooftop in Vegas. Nicole approached Jeff because other credit repair company owners had been telling her that Ninja Outsourcing kept using her name during their sales pitches.
"I wanted to know why because it's not fair and he shouldn't be doing it," Nicole said. "He said something about how they look up to me and they wanted to be on my level. But he did admit that he used it during his pitch. I asked him nicely to please stop using my name. I told him to stop, that's not how to get business and it's affecting my reputation."
Jeff put his hand out to call a truce. Nicole put her hand up in protest toward her shoulder.
What happened next was assault.
"He grabs my hand and pulls it down and pulls me towards him and said, 'You need to back off,' in a menacing tone, very threatening," Nicole told me. "I had to try really hard to pull my hand away, and he grabbed my wrist and was squeezing hard to not let me go."
In August 2025, shortly after this confrontation, Nicole started receiving strange phone calls from an 800 number. A man who "sounded like Jeff" told her:
They were leaving her bad reviews on Google
Someone named "Randall" was going to shut her website and business down
Her website wouldn't even function as soon as they talked to Randall
Three women. Three separate incidents of physical intimidation or obscene harassment. All within the same timeframe. All involving the same two people.
This isn't a pattern anymore. This is a campaign.
The Evidence That Won't Go Away
After I began conducting interviews for this investigation in October 2025, something interesting happened. On January 5, 2026—the day I interviewed Devin Shaw, Damien, and Nicole—Shaw issued that press release claiming Ninja Automations has "no affiliation" with any other Ninja business.
I sent him a screenshot of Lucia Corral's December 18, 2025 comment on his Facebook post—the one where she claims "the whole Ninja Team" is "getting awards left and right" and specifically names Tax Ninja Pros and Ninja Premium Outsourcing.
My message to him was simple: "Why would Lucia be posting this on your comment about 'we're killing it' and 'the whole ninja team getting awards left and right'?"
He didn't respond to that question.
Instead, an hour later, he sent me this: "I'm going to be doing a whole video on this but remember I knew Jeff and Lucia way before any of this craziness. Me being a good guy I let them use the name Ninja Outsourcing and since then they've just always used the name. Unfortunately I never minded it and just left it that way and at this point it's now biting me in the butt…". Another indicator of me not giving too much weight to Shaw is that this was said to me on Monday January 5th 2026, it is now Friday January 9th 2026 and he still has not publicly clarified his press release (which provides cover for Jeff and Lucia), nor has he released the video, his intentions, in my opinion, were meant to deceive me and make himself out as a victim that he is not.
Let's examine this claim carefully:
Devin Shaw is the Registered Agent for Ninja Outsourcing LLC according to Texas Secretary of State records (Taxpayer ID: 32089035979, formed March 23, 2023)
The LLC was formed in March 2023 while Shaw was still working with Vivi
Jeff and Lucia joined in June 2023—three months AFTER Shaw formed the LLC
Shaw claims he "let them use the name" as a favor, but HE formed the LLC and remains the registered agent
You can't simultaneously claim "no affiliation" with a business where you're the registered agent. You can't say you "let them use the name" when you formed the legal entity and brought them into it.
And then there is more evidence:
The thing with this evidence is that it shows, despite what Shaw says, that they are publicly acknowledging that they are in fact partners, that Ninja Outsourcing and Ninja Automations are in fact the same company housed under one brand "Ninja".
Either Devin Shaw is still involved with Ninja Outsourcing and lying about it, or he formed a company, handed it to Jeff and Lucia, and is now trying to distance himself as my investigation exposes what they've been doing.
Neither option reflects well on him.
The Postmaster General Is Watching
There's another detail that should concern everyone involved in this scheme: During my investigation, I spoke with the Postmaster General's office who connected me with the Deputy Post Master General Office about potential mail fraud.
Credit repair outsourcing companies mail thousands of dispute letters on behalf of their clients. Those letters require postage. Real postage. From the United States Postal Service.
Multiple sources have told me that Ninja Outsourcing may have been using counterfeit stamps.
The Postmaster General has directed the Port St. Lucie FL district to open an investigation into potential mail fraud originating from Jeff and Lucia's original hometown in Florida. If counterfeit stamps were used to mail dispute letters—letters that contained consumers' personal information, Social Security numbers, and credit dispute claims—that's not just business fraud.
That's federal mail fraud. And the penalties are severe.
Now to be clear I don't have any direct evidence that they used fake stamps however several interviews where people came forward with this information for this investigation had me inquire with the post master general about this.
We'll explore this angle more deeply in Part 6 of this investigation, but for now, understand this: if you were a client of Ninja Outsourcing and your dispute letters were mailed with counterfeit postage, those disputes might not have legal standing. The credit bureaus could argue that improperly mailed disputes don't trigger their investigation obligations under the Fair Credit Reporting Act.
In other words, you might have paid for services that were legally worthless.
What Happened to Vivi's Equity?
Here's a question that nobody has answered: What happened to Vivi Campbell's ownership stake in Ninja Outsourcing?
She was a 50/50 partner with Devin Shaw for months before Jeff and Lucia joined. When the new partnership was formed on June 29, 2023, she became a 25% owner (splitting new business four ways while keeping her original clients).
When she was locked out on September 22, 2023, what happened to that equity?
Did Devin buy her out? No. He admits there was no buyout.
Did she forfeit it by leaving? She didn't leave. She was locked out without warning.
Did she sign away her rights? There was no written partnership agreement to sign.
Was she compensated in any way? No.
So where did her equity go? If Ninja Outsourcing is still operating (and Lucia's Facebook comment suggests it is), then Vivi Campbell is still legally entitled to her share of the business, and several attorneys have stated that they are willing to take on the case for Vivi pro-bono.
Unless, of course, the entire operation was designed to steal her work and push her out without compensation. Which is exactly what happened.
This is textbook breach of fiduciary duty. Partners owe each other the highest standard of care recognized by law. Devin Shaw violated that duty when he locked Vivi out based on unsubstantiated claims from partners who had been there for less than three months.
But here's what makes this even more egregious: Vivi has Multiple Sclerosis. Her disability made her vulnerable to burnout. And Devin, Jeff, and Lucia exploited that vulnerability.
They encouraged her to "rest" and "focus on her health" while they systematically took over operations. Then, when she was most isolated and vulnerable, they locked her out and claimed she "wasn't doing any work."
This isn't just business fraud. This is disability discrimination. And there may be Americans with Disabilities Act (ADA) violations beyond just the business tort claims.
The Questions You Should Be Asking Right Now
If you've read this far, certain questions should be forming in your mind:
Has this happened to other people?
Yes. The same pattern—infiltrate, gain access, undermine existing partners, steal clients and infrastructure, exit with competing business—has been reported by at least four other victims across multiple states over multiple years. You'll meet them in Parts 2 through 4.
Is Devin Shaw a victim or a perpetrator?
This is the central question of this investigation. Shaw initially presented himself to me as someone who had been manipulated by Jeff and Lucia. But as you'll see in Part 2, Shaw was running this exact same con independently before he ever met Jeff and Lucia. The evidence suggests they didn't corrupt him—they found a kindred spirit.
What about Tax Ninja Pros?
Excellent question. Lucia's Facebook comment mentions it alongside Ninja Premium Outsourcing. We're investigating this entity now. If they're providing tax preparation services without proper licensing, there are serious regulatory questions that need answers. Stay tuned for Part 5.
Are they still operating?
As of late December 2025, all signs point to yes. Lucia's Facebook comment claims they're "killing it" and "can't stop, won't stop." Either they're actively running multiple businesses under the Ninja brand, or they're lying about their success to maintain appearances. Either way, they're still out there.
What can victims do?
If you've been victimized by Ninja Outsourcing, Ninja Automations, Tax Ninja Pros, or any business operated by Devin Shaw, Jeff Inniss, or Lucia Corral, you have options:
Document everything while memories are fresh
File complaints with the FTC at https://reportfraud.ftc.gov/
Contact your state attorney general's consumer protection division
Consult with a business litigation attorney about civil remedies
If you're willing to tell your story, contact me at admin@credlocity.com
Why This Investigation Matters
You might be wondering why I'm dedicating thousands of words to what appears to be a business partnership dispute. The credit repair industry has plenty of drama. Why does this story matter?
It matters because what happened to Vivi Campbell reveals something darker than a simple disagreement between partners. It reveals systematic exploitation of vulnerable people using sophisticated psychological manipulation.
Consider what we know:
Target Selection: Vivi had Multiple Sclerosis—a disability that made her vulnerable to exhaustion. She was working sixteen-hour days, alone, handling an impossible workload. She was the perfect target.
Trust Building: Lucia Corral spent months building a relationship with Vivi through Steven Gomez's Facebook group before ever approaching her about partnership. This wasn't spontaneous—it was cultivated.
The Relief Pitch: When Vivi was at her most exhausted and vulnerable, Devin presented Jeff and Lucia as the solution. "Take a break. Rest. We'll handle everything." It sounded like compassion. It was actually isolation.
Gradual Takeover: They didn't steal the business overnight. "Little by little," as Vivi described it, they took over operations while she rested. By the time she realized what was happening, it was too late.
The Lockout: No warning. No discussion. No chance to defend herself. One day she couldn't access the system anymore.
Defamation: Even after taking over the business, they felt compelled to poison her reputation with her own clients. Why? Because they knew she might try to reconnect with those clients, and they needed to make sure the clients wouldn't trust her.
Harassment: Nearly two years later, when Vivi started speaking to other people in the industry about what happened, obscene phone calls from blocked numbers began. Someone wanted her scared and silent.
This isn't just business fraud. This is predatory behavior that specifically targets people with disabilities, exploits their vulnerabilities, and uses sophisticated social engineering to steal everything they've built.
And as you'll discover in Parts 2 through 4 of this investigation, Vivi's experience follows an identical pattern to what other victims have reported. The playbook doesn't change. Only the names of the targets.
Coming in Part 2: The Mustard Heist and the Crying Video
Vivi's story is heartbreaking. But it's not unique.
In Part 2 of this investigation—publishing mid January, 2026—you'll discover what happened to Damien and Jeremie, the founders of a credit repair software company called Mustard.
Here's what you need to know:
Devin Shaw joined Mustard as a partner and was given admin access to their GoHighLevel systems
Before leaving, Shaw took a complete digital "snapshot" of their entire infrastructure
He then contacted Mustard's clients directly, claiming they were "signed up for the wrong package amount" and transferred them to his own GoHighLevel agency
When confronted, Shaw allegedly said: "Oh my fault I had so many things I didn't realize"
The same pattern: infiltrate, gain access, steal infrastructure, defame former partners, exit with competing business
But here's the most chilling detail: Before leaving Mustard, Devin Shaw sent Damien a video. In it, Shaw is crying, walking back and forth in front of his house, explaining that his wife is forcing him to leave the business.
The emotion seemed real. The tears seemed genuine.
But Shaw had already taken the complete system snapshot before sending that video. The theft was already complete. The crying was manipulation.
And as you'll discover in Part 2, Damien has kept that video. He's willing to share it.
Because sometimes the best way to expose a con artist is to let them perform their con while the camera is rolling.
Part 3 Preview: The CreditFixxr Infiltration
In Part 3—publishing January 20, 2026—you'll meet Khabir, the founder of CreditFixxr, a credit repair software company.
Here's a preview of what we uncovered:
Jeff and Lucia joined CreditFixxr as partners in February 2024
They immediately began undermining Khabir's existing partner, Keliah (Open invitation to Keliah, if you have more insight into how you were pushed out by Jeff and Lucia please contact me)
Jeff took over the Stripe account with admin access and the ability to export customer data
They claimed they were making $50,000/month with their previous business, Credit411
Khabir later saw their Stripe account: they had made under $100,000 for the entire year—closer to $4,000/month
When it was time to deliver on their promises, Jeff and Lucia suddenly had a "family emergency"—Lucia's brother got cancer and they had to move to Arkansas
One week later, they appeared at a tax conference with logos for their new businesses: Ninja Automations and 411
The same pattern. The same lies. The same betrayal.
But with CreditFixxr, we have something we didn't have with Vivi: documentation of the financial fraud.
Part 4 Preview: The MFSN Connection and the Fear Factor
In Part 4—publishing January 27, 2026—we'll explore a question that keeps coming up in interviews: Why are so many victims afraid to speak out?
The answer involves MyFreeScoreNow (MFSN), a credit monitoring company with significant influence in the credit repair industry. The platform was founded by Bruce Cornelius, and multiple victims have told me they're terrified of speaking out because Jeff and Lucia have close relationships with MFSN's leadership.
When I reached out to Bruce Cornelius on Facebook with a simple question—"Hey Bruce I would really like an opportunity to speak with you about a story I'm writing regarding a user you have in your business platform and would like to ask some questions regarding your stance on this user's reputation"—he blocked me.
But Bruce hasn't been silent with everyone. He's entered other users' inboxes to tell them they're being "bullies" to Jeff and Lucia. He's dismissed concerns as "just allegations." The MFSN Facebook group has decided to silence any dissent and only allow whoever they deem to be the "cool kids" to post what they want.
MFSN has used its platform to elevate Jeff and Lucia—giving them speaking opportunities, credibility, and access to the industry. When confronted by several users of the MFSN platform about Jeff and Lucia being scam artists—with proof—Bruce's response was dismissive and borderline protective.
One has to wonder why. That question will be explored in Part 4.
There's also Liza Quinones, a prominent figure in MFSN circles, who encouraged Lucia to confront people at other events. But when someone asked about Ninja Outsourcing in the MFSN Facebook page, Liza got defensive and said it was "hating" and "unprofessional and low class" to do that.
(Relevant to this Facebook Post is Lucia and Jeff sent many of their current clients to go respond to this post when some not even having been with them for more than a month in exchange Lucia would provide them with outsourcing dispute credits)
The irony is striking: egging Lucia on about confronting—possibly fighting—another credit repair company owner at a professional event on a public forum like Facebook isn't childish, but asking questions about documented fraud is?
"Get em..." in a response to possibly confronting a non confrontational person, is- what? high class? Come on give me a break!
(Side note for: Bruce from MyFreeScoreNow (MFSN), do you still think other people are being bullies to Jeff and Lucia? Do you still think everything is allegations?)
The industry deserves a clear understanding on your position here Bruce. Are you standing with the documented threats and abusive behavior and watching MFSN go down the drain? or... are you going to publicly distance yourself from the obvious trash and "high class" people who are tanking your once golden reputation?
One does have to wonder in my opinion why protect Jeff and Lucia? Why not distance yourself? Why not put put a statement about what you do and don't stand for? Is it because maybe you have something in common? Could it be that, as documented and shared with me via screenshots, that you are as immoral and unethical as them? Could it be that you relish in having total control over if someone will get their affiliate commission? I mean I know i'm not the only one thinking it. We have witnessed and have documented proof that you not only got booted from ConsumerDirect-SmartCredit (and lied to your affiliates about it), but that you and MFSN have put every single one of your affiliates in pernicious situation with their consumers by having them have to keep having their clients reset their passwords, not once, not twice, but now 3 time? All because you and MFSN have refused to abide by the rules of not just ConsumerDirect, but the policies of TransUnion, Equifax, and Experian? Just wondering.
MFSN controls access to:
Credit monitoring services that many credit repair companies depend on
Networking events where industry professionals build relationships
Speaking opportunities and platform credibility
Affiliate partnerships that can make or break a credit repair business
Several victims have explicitly told me they fear being "blackballed" if they speak out against Jeff and Lucia because of their MFSN connections and the platform's apparent protection of them. The least Bruce and the MFSN team can do is assure its affiliates, who are their bread and butter, that no reprisal will come from publicly criticizing Jeff, Lucia, and even the MFSN team.
In Part 4, we'll examine:
The specific relationships between Jeff/Lucia and MFSN leadership
Why Bruce Cornelius blocked me but defends Jeff and Lucia to other users
Whether MFSN has been complicit in silencing victims by protecting accused predators
The double standard of calling victims "bullies" while encouraging confrontations
Why industry retaliation is such a powerful silencing tool
What can be done to protect victims who fear retaliation from powerful industry platforms
What Credlocity Learned From This Investigation
At Credlocity Business Group LLC, we've spent 17 years building ethical credit repair services while competing against predatory companies that give the entire industry a bad name. We've investigated companies like Lexington Law (which was almost shut down by the CFPB in 2025 after our investigation revealed systematic fraud) and Credit Saint (which remains under investigation for fake review schemes as of this writing).
But this investigation is different. This isn't about a large company with questionable practices. This is about individual actors who infiltrate small businesses, exploit personal relationships, and steal everything that isn't nailed down.
What concerns me most is how sophisticated the operation appears to be. These aren't amateurs. These are people who understand:
How to identify vulnerable targets
How to build trust over extended periods
How to use third-party relationships for credibility
How to manufacture crises that justify takeovers
How to control narratives through defamation
How to exploit legal gray areas
How to avoid paper trails
How to intimidate victims into silence
This is professional-level con artistry being deployed against people who are just trying to run honest businesses in an industry that already has enough problems.
As we expand our credit repair services throughout Philadelphia and nationwide, we're encountering more and more business owners who have stories similar to Vivi's. Some involve Devin Shaw directly. Others involve Jeff Inniss and Lucia Corral. Some involve all three working in concert.
The pattern is unmistakable. And it needs to stop.
Comprehensive Disclosures & Legal Notices
DISCLOSURES & LEGAL NOTICES
Consumer Protection Notice
This Investigation Is Not Legal or Financial Advice
This article is investigative journalism based on documented evidence, consumer complaints, forensic analysis, and public records. It represents the professional opinions and findings of the author based on 17 years of industry experience.
Nothing in this article constitutes:
Legal advice (consult a licensed attorney)
Financial advice (consult a licensed financial advisor)
Guaranteed outcomes (results vary by individual circumstances)
The author is:
CEO of Credlocity, a credit repair company that operates in the same industry as the subjects of this investigation
A Board Certified Credit Consultant (BCCC) with 17 years experience
Not a licensed attorney
Nature of Content: Facts, Opinions, and Testimonies
This investigation contains three types of content:
1. FACTUAL STATEMENTS - Based on verifiable evidence including:
Public records (Texas Secretary of State business filings, court records, etc.)
Direct interviews conducted by the author with victims and subjects
Screenshots, photographs, and digital evidence
Financial records, contracts, and transaction documentation
Medical records (where provided and authorized)
Social media posts that remain publicly accessible
2. OPINIONS AND ANALYSIS - Based on the author's professional judgment including:
Interpretations of patterns across multiple victim testimonies
Assessment of business practices and ethical standards
Characterizations of behavior (e.g., "predatory," "sophisticated con")
Predictions about potential legal violations (subject to determination by courts/regulators)
3. VICTIM TESTIMONIES - Based on interviews with affected parties including:
Personal accounts of experiences with the subjects of this investigation
Recollections of conversations and events
Descriptions of financial and emotional harm
Individual perspectives on what occurred
The distinction matters: Factual claims are supported by documentation. Opinions are clearly identified as the author's professional assessment. Testimonies represent victims' accounts of their experiences, which the author has verified to the extent possible through corroborating evidence and consistency across multiple sources.
Pseudonym Disclosure
Use of "Charlotte" as Protective Pseudonym:
One victim in this investigation is identified by the pseudonym "Charlotte" to protect their identity. This is a real person who provided extensive testimony, documentation, and evidence to support this investigation. The pseudonym was used for the following reasons:
Fear of retaliation from the subjects of this investigation, Jeff Inniss and Lucia Corral
Fear of industry reprisal from MyFreeScoreNow (MFSN) and its leadership, who have demonstrated a pattern of:
Silencing dissent in their Facebook communities
Deleting posts critical of Jeff Inniss and Lucia Corral
Defending the subjects when confronted with victim testimonies
Characterizing victims' complaints as "bullying"
Professional vulnerability as someone who continues to operate in the credit repair industry and fears being "blackballed"
The author affirms: "Charlotte" is a real person. The testimony is authentic. The evidence provided has been verified. The decision to use a pseudonym does not diminish the credibility or accuracy of the account. The author has met with this person, reviewed their documentation, and confirmed their identity.
Why this matters: Multiple victims in this investigation expressed fear of speaking out due to MFSN's industry influence and the subjects' pattern of retaliation against critics. The use of a pseudonym in this one case allows a victim to contribute to consumer protection while maintaining professional safety.
Author's Personal Disclosure: Recovery and Redemption
Joeziel "Joey" Vazquez - Founder & CEO of Credlocity
I am writing this disclosure because transparency, honesty, and accountability are the foundations of everything Credlocity stands for. They're also the principles I'm demanding from the subjects of this investigation.
My Past:
I am a recovering addict. I have been in recovery since March 3, 2015—nearly 11 years clean at the time of this publication. During my active addiction, I made serious mistakes that resulted in criminal convictions related to my substance abuse.
I do not hide from this history. I own it completely.
Why This Matters to This Investigation:
I disclose this for several important reasons:
1. Transparency: If I'm going to investigate and expose others, you deserve to know who I am—including the parts of my history I'm not proud of.
2. Redemption is possible: I am NOT saying that people with criminal pasts cannot redeem themselves. I am living proof that people can change, grow, and contribute positively to society. My past does not disqualify me from doing ethical work today—in fact, it informs my commitment to ethics.
3. The difference between redemption and ongoing harm: There is a profound difference between:
Someone who made mistakes in the past, took accountability, changed their behavior, and now works to help others (redemption)
Someone who is currently engaged in ongoing predatory behavior, refuses accountability, and continues to harm new victims (the subjects of this investigation)
4. Credibility through vulnerability: By disclosing my past openly, I demonstrate the same standard of honesty I'm demanding from others. I'm not asking anyone to be perfect. I'm asking them to be honest and stop harming people.
My Qualifications Today:
Despite—or perhaps because of—my past struggles, I have spent 17 years building Credlocity into an ethical, board-certified credit repair company that has:
Served over 79,000 clients across all 50 states
Removed $3.8 million in unverified debt from credit reports
Maintained zero negative BBB reviews for 17 years
Earned Board Certified Credit Consultant (BCCC) certification
Contributed to regulatory investigations that shut down predatory companies
Become a certified Hispanic-owned, minority-owned, women-owned, and LGBTQAI+-owned business
I know what it's like to be at rock bottom. I know what it's like to be judged for your past. I know what it's like to fight for redemption.
That's exactly why I do this work. Because I believe in second chances—but I also believe in accountability.
The subjects of this investigation are not being condemned for past mistakes they've taken accountability for. They're being exposed for ongoing predatory behavior they continue to engage in, lie about, and refuse to acknowledge.
There's a difference between redemption and deception. I've chosen redemption. They're choosing deception.
If my past disqualifies me from investigating fraud in your eyes, I understand. But I would ask: Would you rather have someone with a perfect past who doesn't understand struggle investigating predatory behavior, or someone who has personally experienced what it's like to be exploited, lied to, and written off—and decided to spend their life protecting others from the same harm?
I'm not perfect. But I'm honest. And I'm fighting for people who deserve better.
Contact me directly: If you have concerns about my past or my qualifications, I'm available to discuss them openly at admin@credlocity.com. I don't hide from hard conversations.
CROA and TSR Compliance Statement
Credlocity operates exclusively within the requirements and limitations of the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR). We make no guarantees regarding credit score improvements or specific results. Credit repair outcomes depend on numerous factors including the accuracy of information on your credit reports, your credit history, and actions you take during the process.
Accurate Information Disclaimer
We cannot and do not remove accurate negative information from credit reports. We work exclusively to address inaccurate, unverifiable, or improperly reported information as permitted under the Fair Credit Reporting Act and related consumer protection laws.
TSR Phone Enrollment Warning (CRITICAL)
Federal law requires that credit repair companies who enroll clients over the phone must wait six months before charging any fees. Credlocity avoids this requirement by accepting enrollments only through our online platform, never over the phone.
We disclose this information so consumers can protect themselves from companies violating this law. Any credit repair company charging fees immediately after a phone consultation is operating illegally, and you should report them to the FTC at https://reportfraud.ftc.gov/.
FTC Reporting Encouragement
We encourage all consumers to report any credit repair company who charges for services after signing up following a phone consultation at https://reportfraud.ftc.gov/. Consumer protection depends on consumers reporting violations when they encounter them.
Conflict of Interest Disclosure
The author is CEO of Credlocity, a credit repair company that operates in the same industry as the subjects of this investigation.
This relationship is disclosed openly throughout this investigation and does not diminish the factual accuracy of documented evidence.
The author's motivations:
Primary: Consumer protection (personal experience as fraud victim in 2008 and as recovering addict who understands exploitation)
Secondary: Industry reform (improving standards for all credit repair companies)
Tertiary: Competitive advantage (ethical companies benefit when predators are exposed)
The author has received:
No compensation from third parties for this investigation
No payment from competitors, regulators, law firms, or media
No financial benefit beyond potential organic business growth from journalism
Corrections & Accountability Policy
If you identify factual errors:
Email: admin@credlocity.com
Subject: "Ninja Investigation - Correction Request"
Substantiated errors will be corrected promptly with:
Transparent disclosure of what was incorrect
What is now correct
Date of correction
Source of corrected information
The author has already published corrections in previous investigations (Credit Saint Part 1 was updated before receiving any legal threats), demonstrating commitment to accuracy over reputation protection.
Types of corrections we will make:
Factual errors: Incorrect dates, names, amounts, or other verifiable facts
Mischaracterizations: If evidence shows our interpretation was incorrect
Misattributed statements: If we attributed a quote to the wrong person
Types of disputes we will not automatically accept:
"That's not how I remember it" without contradicting documentation
"That's out of context" without providing full context that changes meaning
"You're biased" without showing factual inaccuracies
"This hurts my feelings" (truth may be uncomfortable but remains truth)
We welcome substantive corrections supported by evidence. We do not retract true statements because they're inconvenient for the subjects.
Right of Response
Devin Shaw, Jeff Inniss (also known as Jeff Corral), Lucia Corral, or their legal representatives are invited to submit responses, corrections, or rebuttals to admin@credlocity.com.
Substantive responses will be published with the author's reply.
By "substantive," we mean:
Specific factual corrections with supporting documentation
Alternative explanations supported by evidence
Context that meaningfully changes the interpretation of events
We will not publish:
Personal attacks
Threats of legal action without addressing substance
Vague denials without specifics
Attempts to silence victims through intimidation
The subjects have every opportunity to tell their side of the story. The platform is available. The invitation is genuine.
Defamation Notice
This investigation makes serious allegations based on extensive documentation, multiple victim testimonies, public records, and direct interviews. The author believes all statements made are either:
Provably true (supported by documentation)
Protected opinion (clearly identified as the author's professional assessment)
Fair reporting of victim testimonies (attributed to sources)
If the subjects believe any statement in this investigation is defamatory:
Identify the specific statement
Explain why it is false
Provide contradicting documentation
Contact admin@credlocity.com
We will review any such claim promptly and correct any statement we cannot support with evidence.
However: Truth is an absolute defense to defamation. The fact that true statements damage someone's reputation does not make them defamatory. Public interest in consumer protection outweighs private interest in reputation preservation when predatory behavior is involved.
Ongoing Investigation Notice
This is an active, ongoing investigation. New evidence may emerge after publication that:
Corroborates existing claims
Contradicts current understanding
Adds new victims or incidents
Changes the scope or severity of allegations
Updates will be published as:
Corrections to existing parts (if evidence contradicts current claims)
Additional parts in the series (if new evidence expands the investigation)
Supplemental posts (if significant new developments occur)
The investigation remains open. Additional victims, witnesses, or subjects may come forward. Documentation may surface that was previously unavailable.
Media & Legal Inquiries
For Media Inquiries:
Email: admin@credlocity.com
Subject: "Media Inquiry - Ninja Investigation"
For Victim Support:
Email: admin@credlocity.com
Subject: "Ninja Investigation - Victim/Witness"
For Subjects' Response:
Email: admin@credlocity.com
Subject: "Ninja Investigation - Subject Response"
For Legal Representatives:
Email: admin@credlocity.com
Subject: "Ninja Investigation - Legal Correspondence"
We respond to all substantive inquiries within 48-72 hours.
Privacy & Victim Protection
Protecting Victim Privacy:
Multiple victims in this investigation have expressed fear of retaliation. We have taken the following steps to protect them:
Pseudonyms where requested (e.g., "Charlotte")
Redaction of identifying information where victims requested anonymity but still wanted to contribute
Withholding specific business names where victims fear professional retaliation
Limiting geographic details where specific locations could identify victims
We balance:
Victim safety (protecting those who fear retaliation)
Investigative credibility (providing enough detail to verify claims)
Public interest (warning potential future victims)
If you are a victim and have information but fear retaliation, contact admin@credlocity.com to discuss protection options.
Document Retention Policy
The author maintains:
Original interview recordings and transcripts
Screenshots and digital evidence
Financial records and transaction documentation
Correspondence with victims and subjects
Public records and business filings
Expert consultations and legal reviews
These materials are retained for potential regulatory investigations, legal proceedings, or journalistic verification.
Access to evidence: The author will cooperate with legitimate regulatory investigations and legal proceedings. Evidence may be shared with authorities, attorneys representing victims, or other journalists for verification purposes, subject to victim privacy protections.
Final Statement on Intent
The purpose of this investigation is:
Consumer protection: Warning potential future victims about documented patterns of predatory behavior
Industry accountability: Exposing bad actors who harm the reputation of legitimate credit repair professionals
Victim support: Giving voice to those who have been harmed and feared speaking out
Regulatory awareness: Providing documented evidence that may support enforcement actions
This investigation is NOT:
Personal vendetta (the author has no prior relationship with any subject)
Competitive attack (Credlocity and the subjects do not directly compete for the same clients)
Character assassination (focus is on documented behavior, not personal attributes)
Extortion (no settlement, payment, or retraction has been requested or would be accepted)
The subjects can end this investigation tomorrow by:
Compensating victims fully
Taking accountability publicly
Ceasing predatory practices
Providing evidence that contradicts the documented pattern
Until then, the investigation continues. The victims deserve justice. The industry deserves transparency. Future victims deserve warning.
About Credlocity: Why We're Qualified to Investigate This
Since this investigation inevitably raises questions about Credlocity's motivations and qualifications, let me address them directly.
Our Background:
Credlocity Business Group LLC was founded in Philadelphia in 2008 after I personally experienced credit repair fraud. That experience taught me two things: first, how devastating it is to be lied to and stolen from; and second, how desperately the credit repair industry needs ethical operators who put consumer protection first.
For 17 years, we've served over 79,000 clients across all 50 states. We've successfully removed $3.8 million in unverified debt from credit reports. We maintain zero negative BBB reviews—a distinction almost unheard of in credit repair. We're a Hispanic-owned, minority-owned, women-owned, and LGBTQAI+-owned business certified by the National LGBT Chamber of Commerce.
Our Qualifications:
I hold three industry certifications:
Board Certified Credit Consultant (BCCC)
Certified Credit Score Consultant (CCSC)
Certified Credit Repair Specialist (CCRS)
FCRA Certified Professional
I've also spent nearly two decades studying credit law, consumer protection statutes, and financial literacy.
But our most important qualification might be this: I know what it's like to be a victim of credit repair fraud. I know the anger, the helplessness, the feeling that nobody believes you. And as a recovering addict with a criminal past, I know what it's like to be judged, dismissed, and written off. That experience drives our investigative journalism work.
Our Services:
We offer three credit repair packages:
Fraud Package: $99.95/month
Aggressive Package: $179.95/month (Most Popular)
Family Package: $279.95/month
All packages include:
Monthly one-on-one consultations
Monthly budgeting assistance
Mobile app access for real-time credit monitoring
Our 180-day money-back guarantee (not 100%, not 6 months)
We also provide a genuine 30-day free trial with no credit card required. We do this because we believe consumers should be able to test our services before committing financially.
Importantly, we never enroll clients over the phone. This isn't just about TSR compliance (though that matters). It's about creating a paper trail that protects both us and our clients. If a credit repair company is enrolling you over the phone and charging immediately, they're violating federal law.
Our Investigative Work:
Since 2019, we've published investigations into some of the largest credit repair companies in the industry. Our work has been featured in Bold Journey, Voyage LA, and Shoutout LA. More importantly, our investigations have contributed to regulatory actions that have protected consumers.
The Lexington Law investigation that almost led to their shutdown by the CFPB and a $26 million settlement. The Credit Saint investigation has been cited in consumer complaints and remains ongoing. The Chanelle Jones and her company, Savvy Business Group LLC. The Alex Miller story And more.
This Ninja Outsourcing investigation is different. It's not about a large company with systemic fraud. It's about individual actors who prey on small business owners in the credit repair industry itself.
We're uniquely positioned to investigate this because we operate in the same space, we understand the business models, and we have sources within the industry who trust us enough to share their stories.
Our Commitment:
We commit to factual accuracy, transparent corrections when needed, and following the evidence wherever it leads—even if that evidence implicates people who might otherwise be considered allies.
If you believe anything in this investigation is factually inaccurate, contact us at admin@credlocity.com with documented evidence. We'll review it and correct any substantiated errors immediately.
Learn more about our credit repair services, our Philadelphia-based operations, and our commitment to ethical credit repair at www.credlocity.com.
Sources & References
Texas Secretary of State - Business Entity Search: "Ninja Outsourcing LLC" - Taxpayer ID: 32089035979, SOS File Number: 0804985449, Registered Agent: Devin Shaw, Formation Date: March 23, 2023, Status: Active as of January 2026. Accessible at: https://mycpa.cpa.state.tx.us/coa/
Facebook Post - Devin Shaw (December 18, 2025): Public post showing GoHighLevel SaaSPRENEUR Platinum award with comment from Lucia Corral claiming unified "Ninja Team" operations. Post remains publicly accessible as of January 6, 2026.
Interview with Vivi Campbell: Conducted December 2025 and January 2026. Multiple sessions totaling approximately 4 hours of recorded testimony. Subject provided written consent for use of testimony with full name.
Interview with Devin Shaw: Conducted January 6, 2026. Approximately 2 hours of recorded testimony. Subject was informed interview was for investigative journalism purposes.
Follow-up Interview with Vivi Campbell: Written responses to detailed questions, received January 2026. Includes timeline clarifications and additional details about partnership formation, health exploitation, and harassment.
Police Report: Vivi Campbell filed harassment report with assistance from Riverside County Sheriff's Department detective (family member), referred to Dallas PD due to stalking elements, August 2025.
Interview with Charlotte : Conducted December 2025 and January 2026. Detailed testimony about physical intimidation at MFSN event and harassment calls.
Interview with Nicole Ashley: Conducted January 2026. Testimony about physical assault at MFSN Vegas event and threatening phone calls, August 2025.
Interview with Damien (Mustard Co-Founder): Conducted January 6, 2026, approximately 2 hours after Devin Shaw interview.
Credit Repair Organizations Act (CROA): 15 U.S.C. §§ 1679-1679j - Federal statute governing credit repair companies. Full text: https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act
Fair Credit Reporting Act (FCRA): 15 U.S.C. § 1681 et seq. - Federal statute governing credit reporting and consumer rights: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act
Americans with Disabilities Act (ADA): 42 U.S.C. § 12101 et seq. - Federal civil rights law prohibiting discrimination based on disability: https://www.ada.gov/
Telemarketing Sales Rule (TSR): 16 CFR Part 310 - Federal Trade Commission rule governing telemarketing practices: https://www.ftc.gov/legal-library/browse/rules/telemarketing-sales-rule
Credlocity TSR Compliance Guide: Comprehensive guide to TSR requirements for credit repair companies: https://www.credlocity.com/credit-repair-tsr-compliance-guide-2026
Credlocity CROA Guide: Complete overview of CROA requirements and consumer rights: https://www.credlocity.com/credit-repair-organizations-act-croa-guide
Credlocity Credit Repair Laws (Pillar Page): Comprehensive resource on all federal and state credit repair regulations: https://www.credlocity.com/credit-repair-laws
Published: January 9, 2026 12:01am Word Count: 11,847 Reading Time: 47 minutes Investigation Status: Ongoing Next Update: Part 2 - Mid- January, 2026
Part 2 - "The Mustard Heist: Digital Theft and the Crying Video" Publishing January 13, 2026
Part 3 - "The CreditFixxr Infiltration: How to Steal a Software Company in 90 Days" Publishing January 20, 2026
Part 4 - "The Industry Pattern: MFSN, Fear, and the Victims Who Stay Silent" Publishing January 27, 2026
Part 5 - "Tax Ninja Pros: Following the Money" Publishing February 3, 2026
Part 6 - "The Evidence, The Law, and What Happens Next" Publishing February 10, 2026
This investigation is dedicated to every person who has been told their story doesn't matter, that they deserved what happened to them, or that speaking out will only make things worse. Your stories matter. You didn't deserve it. And speaking out is how we stop them from hurting the next person.
- Joeziel "Joey" VazquezFounder & CEO, Credlocity Business Group LLCIn recovery since March 3, 2015Philadelphia, PA
STAY INFORMED: Subscribe to Credlocity's investigation updates at www.credlocity.com or follow our investigative journalism series for consumer protection news.
REPORT FRAUD: If you've been victimized by credit repair fraud, report it immediately to the FTC at https://reportfraud.ftc.gov/
NEED HELP? If you need assistance with credit repair from an ethical, board-certified company, visit Credlocity's credit repair services or try our 30-day free trial.