Consumer complaint received 2022-06-02
Company: Receivables Performance Management, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate. 

Follow up to complaint # XXXX XXXX XXXX  General Counsel stated XXXX has ceased further attempts to contact XXXX XXXX per her request and will update the account trade-line to reflect her dispute. If the account is recalled from collections by XXXX, XXXX will request removal of the account trade-line. 

If a debt collector agreed to cease communication, they also agreed to cease credit reporting. Communication under the FDCPA means the conveying of information regarding a debt directly or INDIRECTLY to ANY PERSON through ANY MEDIUM. My credit report is a medium. 

I received your attempt to validate the debt that you are erroneously reporting about me. However, it does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? It shows nothing but my name, address, and a dollar amount. But I do not see my signature here or any of the other items requested from you. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything? 

You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final good faith attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, the Attorney Generals office, the XXXX XXXX XXXX  and the Federal Trade Commission should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful and negligent non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking actual damages or a minimum of {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act and each violation of the Fair Credit Reporting Act, whichever is greater and you will be required to appear in a court venue local to me, in order to formally defend yourself

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation