Consumer complaint received 2021-03-22
Company: Emergent Business Group, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Emergent Business Group is deliberating and diligently violating federal laws. I reached out to them via my last CFPB complaint to resolve this issue swiftly. However, they have chosen to delay and furnish deceptive information with a false timeline of events in their last response to my CFPB complaint. Emergent Business Group has admitted to illegally obtaining details this alleged account from XXXX XXXX, XXXX. Not only is this a violation of my right to privacy which I own as the federally protected consumer and natural person. But also Emergent Business Group has flagrantly broken several federal laws which are outlined in my Affidavit of Truth attached below which they received and signed for on XX/XX/2021. This alleged debt is not owed and Emergent Business Group is implicating themselves in a matter that has nothing to do with them. Emergent claims they are only a " third-party servicer '' in possession of this account which makes them the current " furnishers '' of this inaccurate and illegal information on my consumer reports and files. XXXX XXXX, XXXX who illegally gave them this information has confirmed this exact point in their last response to my CFPB response by stating that Emergent who is their alleged " servicer '' is responsible for any furnishment of said account to my consumer reports and files ( XXXX  ). Emergent Business Group blatantly continues to violate federal laws by sharing details of said alleged debt and false account with XXXX  and XXXX monthly. These actions violate countless federal laws which are all outlined in my first Affidavit of Truth attached below. Emergent Business Group and XXXX XXXX, XXXX 's illegal collusion to undermine me the consumer directly violates 15 USC 1681 ( a ). As the original creditor I have demanded pursuant to 15 USC 1692c ( c ) ( 2 ) that XXXX XXXX XXXX immediately instruct Emergent to delete this account of my consumer reports and do so themselves. The finger pointing which is a delay tactic between these two companies as to who is responsible for this inaccurate account furnishment on my consumer reports must end with this CFPB complaint. As the federally protected consumer and natural person pursuant to Title 15 Chapter 41, I have also made my demands known to XXXX XXXX, XXXX as is my right under federal law. All of my outlined remedy are demands and NOT requests. I advise whoever receives this complaint and Affidavit of Truth at your company to forward it to your executive leadership and legal team. This is my first step in my private administrative process and your legal team will understand what this means. Included in my attached Affidavit already your possession is my invoice which Emergent Business Group must pay to resolve all outlined issues XXXX federal law violations XXXX. This is also a demand pursuant to federal law as is outlined in the attached document. Failure to resolve this matter swiftly only causes me more injury and will have much more of an adverse effect for Emergent Business Group as I advance in my private administrative process in the near future.

Company response to consumer: Closed with explanation