Date Received: 2022-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a claim and demand for DEBT VALIDATION, and offer to perform upon the preceding conditions : This offer of performance is made in good faith, to settle the attached complaint of alleged debt upon the condition XXXX XXXX validates the alleged debt and complies with the following stipulations herein within twenty-one ( 10 ) days of receipt of this claim : 1 ) XXXX XXXX completes, in entirety, the attached Debt Collector Disclosure Statement and returns the same with all supporting documentary and evidentiary proofs to claimant ; and 2 ) XXXX XXXX, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant ; and 3 ) XXXX XXXX produces all relative commercial instruments, including but not limited to applications, assigns, agreements, and/or contracts, which contain exchange of benefit ( s ) or consideration, and/or contain the verified signature of claimant ; and 4 ) XXXX XXXX provides, verified copies of all assigns, negotiations, securities and/or transfers of rights, title ( s ) and/or interest ( s ) and the like, sworn by wet-ink signature signed under the penalty of perjury that the foregoing copies are true, correct, and not misleading which unambiguously delineates that XXXX XXXX is the current owner, assignee, holder, holder in due course, and/or entitlement holder of the alleged debt including all supporting documentary evidence as proof ; and 5 ) XXXX XXXX produces all relative commercial instruments and/or notices, declarations, publications, which clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations, liabilities, costs, fees, in advance or subsequent to the alleged incurrence of alleged debt, and where there has been full disclosure of all relevant terms and conditions ; and 6 ) XXXX XXXX provides proofs by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury, XXXX XXXX did not engage in any conduct to harass, oppress, or abuse claimant including but not limited to placing telephone calls without disclosure of the caller 's identity, the use obscene or profane language, causing a telephone to ring with the intent to annoy, abuse or harass claimant and/or use or threat violence, or other means to harm the reputation, or property of claimant ; therefore NOTICE TO CEASE AND DESIST Notice is hereby given to RESPONDEAT INFERIOR to CEASE AND DESIST from any further collection activities prior to validation of purported debt in regards to Alleged Account : 6700, pursuant, but not limited, to the truth in lending laws of the United States Code, Title 15, Sec. 1601 et. seq., the Fair Debt Collections Practices Act laws of the United States Code, Sec. 1692 et. seq. and the conditions stipulated in this presentment. XXXX XXXX may only contact claimant by mail only. XXXX XXXX is hereby prohibited from contacting claimant by telephone, in person, at home, or location/place of employment. XXXX XXXX is further prohibited from contacting any third party. Each and every attempted contact, in violation of the Fair Debt Collection Practices Act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$5000.00} for each and every violation, and a further liability for legal fees to be paid to any council which I may retain. Further, absent such validation of your claim, XXXX XXXX is prohibited from filing any notice of lien and/or levy or judgment and is also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. CRIMINAL INVESTIGATION Please take notice that this is a criminal investigation of the business practices of the above named XXXX XXXX, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. XXXX XXXX XXXX enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, See, 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names. Failure to " Cease and Desist '' shall be evidence XXXX XXXX intends to be guilty of the aforementioned crimes and more. XXXX XXXX XXXX failure to meet all of the stipulations required herein is XXXX XXXX XXXX full agreement through tacit acquiescence there can be no case, collection, or action. " No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract ''. See Eads v. Marks, P. 2d 257 260.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: i never got any correspondence from this collection agency, never heard of them and I would like for it to be deleted from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My information was stolen and was used without my knowledge. Ive been harassed about this collection and been threatened by email and phone calls. According with the fair credit reporting act convergent account and has violated my rights. U.S.C 1681 section A. States I have a right to privacy. U.S.C 1681 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. U.S.C 1666B : A Creditor may not treat a payment on a credit card account under end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since 2018, I have the XXXX XXXX XXXX and XXXX service, I put an account in collection that I did not even know existed, I never received letters, or calls, about this account and I have fought with XXXX to have this removed from my credit, they They let me know that my information was exposed in black marketing and I showed them with documents that I had served with another company and they do not want to take away that debit that is not mine, they do not have any information on the address where this service was used charging {$370.00} dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022, I received a letter in the mail from Convergent Outsourcing , Inc. in XXXX, XXXX, stating that I owed {$140.00} to XXXX, and after their failed attempts to collect, Convergent was now collecting my debt. I contacted Convergent and a representative told me I owed the debt and began to ask for personal information from me, specifically my XXXX account number ( former ) and my personal pin for that account. I ended the call without giving that information. I spoke to XXXX three times over the remainder of XXXX and confirmed when I closed my account with them in XXXX, I had no balance, and they have no communications trying to collect any amount from me ever. I submitted a formal request to dispute the debt with Convergent. A week after that, today, I called Convergent to confirm they received my dispute request. At that time they said they did and they had cancelled my debt and nothing further was needed. This appears to be a fraudulent attempt to collect money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01453
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have previously reached out to the collection agency to get verification of a debt they have been reporting. After numerous attempts I have received no notice of investigation or updates for the account. The original creditor doesnt have any knowledge of said account so Ive been stuck with dealing strictly with the collection agency with no luck. I have attached the email stating that they have indeed received communication from me but have just failed to respond for months. This account falsely reporting is hindering me from major life advances and I would like this matter to be handled as soon as possible!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46806
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Good afternoon. After an investigation By XXXX XXXX XXXX XXXX, XXXX XXXX ( Case number XXXX ), into my XXXX XXXX account number XXXX. XXXX XXXX issued a final bill for the Total amount of {$980.00}. Last month I did pay {$95.00} off {$980.00} and now XXXX XXXX are trying to collect the wrong amount of {$1900.00}. Thank you for your help. XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Someone used my name and social security number to get utilities in their apartment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Credit card abuse and social security fraud at XXXX XXXX XXXX XXXX Texas XXXX XXXX account number XXXX, using my name and social with a different phone number XXXX and email XXXX Police report : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A