Consumer complaint received 2023-12-18
Company: Media Collections, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This letter will be a formal request to cease and desist all collection activities including reporting, monitoring, any and all communications in any form, and contact conducted by your company Joseph , Mann & Creed, pertaining to myself and relatives, employees, employers, clients, business and associates. Per the Federal Credit Reporting Act and the State of Texas Collections Act, Your office contacted my phone about this non validated debt and Your office will need to validate the debt within 30 to 45 days allotted to your company, You will need to provide contract, proof of purchase, names of individuals who sold you this fraudulent debt etc. The police were notified of these organizations including yours that contacted my business in XXXX pertaining to an invalidated debt, that were submitting this information to your company and a Federal affidavit of identity theft with a case number was provided. This will also be added to that affidavit. Per the statute, your organization will need to remove the fraudulent debt due to fraud, and discontinue to report the inaccurate and false information. I am requiring you immediately remove my name and any relatives, business associates, clients lawmakers and anyone that has any influence in any office. Your organization is in direct violation of the FCRA, CFR and Texas Collections Act and TAC. the complainant is requiring you pay the amount in monetary damages of {$20000.00}, for emotional distress, physical contact, harassment, and punitive damages all in conjunction. If this amount is not forwarded to my address, the complainant will have no choice but to bring suit to your organization along with a protective order barring your company from reporting any credit ever again including under aliases. Please remove your fraudulent reporting immediately upon receiving this letter. Your company has knowingly purchased and reported a debt according to the FCRA without being legally able to do so. Please remove the debt and remove my name and any other attachments that your company has added from your system and any other. You are reporting that you are a debt collector and are not within code via State, Local and federal ordinances in order for you to conduct business, you are also misleading by pretending to be a taxing agency within the government. Thank you, XXXX XXXX XXXX Case References : PENAL CODE. TITLE 7. OFFENSES AGAINST PROPERTY. CHAPTER 32. FRAUD. SUBCHAPTER A. GENERAL PROVISIONS. Sec. 32.01. Texas Penal Code - PENAL 32.51. Texas Penal Code - PENAL 25.07. Violation of Certain Court Orders or Conditions of Bond in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Texas Business and Commerce Code and is titled " Deceptive Trade Practices Consumer Financial Protection Bureau, Plaintiff, XXXX XXXX XXXX XXXX, XXXX, Defendant. XXXX XXXX. XXXX STIPULATED CFPB vs. XXXX XXXX XXXX, XXXX XXXX XXXX ) and its former owner, XXXX XXXX, XXXX XXXX CFPB Orders XXXX XXXX XXXX XXXX XXXX XXXX {$28.00} XXXX for Improper Debt Collection Actions The Consumer Financial Protection Bureau ( CFPB ) has reached a settlement in its lawsuit against law firm XXXX XXXX  XXXX, XXXX for illegal debt-collection practices. CFPB XXXX XXXX to Pay {$10.00} XXXX for Illegal Debt Collection Tactics CFPB alleges that Fair Collections & Outsourcing ( FCO ) violated federal law by failing to establish or implement reasonable written policies and procedures regarding the accuracy and integrity of the information it furnished to credit reporting agencies and failed to conduct reasonable investigations of indirect consumer disputes, resulting in inaccurate information remaining on consumers credit reports. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a proposed consent order in federal court that would resolve a lawsuit against XXXX XXXX XXXX XXXX XXXX, a XXXX law firm, and its XXXX principal partners, for operating an illegal debt collection lawsuit mill. Today the Consumer Financial Protection Bureau ( CFPB ) took action against the nations two largest debt buyers and XXXX for using deceptive tactics to collect bad debts. The Bureau found that XXXX XXXX XXXX and XXXX XXXX XXXX bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents. In XX/XX/XXXX, the Bureau filed a lawsuit against a group of seven debt collection agencies and six individual debt collectors, four payment processors and individual sales organizations, and a telephone marketing service provider alleging unlawful conduct related to a phantom debt collection operation. Retailer and Debt Collectors to Provide Over {$2.00} XXXX in Consumer Relief for Illegal Lawsuits and Unauthorized Debits XXXX, D.C. The Consumer Financial Protection Bureau ( CFPB ) and the Attorneys General of North Carolina and Virginia took action today to protect military servicemembers from illegal debt collection practices. The CFPB alleges that XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX used illegal tactics to collect debts, including filing illegal lawsuits, debiting consumers accounts without authorization, and contacting servicemembers commanding officers.

Company response to consumer: Closed with non-monetary relief