Consumer complaint received 2021-04-12
Company: CONTRACT CALLERS INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns with Contract Callers inc " Debt collector define in 15 usc 1692a, engaged in the business of a collection agency, using telephone & mail to collect consumer debts for profit, in collection of debts allegedly owed by consumers. Notwithstanding I have reviewed this matter confirms that this matter has not been properly handled in accordance with applicable Federal law. Contract callers inc has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) This office is under violation of the FDCPA 15 usc 1692, FCRA 15 U.S. Code 1681. I am verbally making the request to dispute the validity of the debt which this office can not misconstrue the debt to be valid. I the consumer also made known clearly, I do not want this office to " do not contact/cease communication '' preference. On XX/XX/2021 Contract Callers inc has communicated with me defined by 15 usc 1692 ( 2 ) Contract callers inc XXXX debt collector XXXX has communicated with me in connection with the collection of a debt which is a violation Under the FDCPA 15 usc 1692c ( a ) I would like to ask how my location information was acquired, and who provided you consent to communicate with I ( consumer ) which I would like Contract callers inc to provide me my written consent of such action, If the request can not be provided, this will be in direct violation of 15 U.S. Code 1692c ( a ). During my initial communication with Contract callers inc, I requested the debt collector to provide me validation of debt, whom the Original creditor was on that debt and to Cease all further collection efforts regarding to the accounts under federal law 15 usc 1692C ( c ). The letter Contract Callers inc was misleading and confusing because it fails to provide the name of the creditor to whom the debt is owed. This form provided information that would allow the least sophisticated consumer to determine the minimum amount he or she owes at the time of the receipt of the letter, this letter failed to provide information that would allow, I to determine what will I need to pay to resolve the debt at the time of the receipt of the letter also this letter failed to provide information that would allow the least sophisticated consumer to detriment the amount of billing fees owed and whether any additional billing fees will be added, the date they be added, & the amount that be added. Contract Callers inc used symbols other than the debt collectors address on envelope, which a debt collector may only use the business name if such name does not indicate that he is in the debt collection business. Which is a violation of 15 usc 1692F ( XXXX ). Contract Callers inc has harass me to harm my physical reputation which is in violation 15 U.S. Code 1692d ( 1 XXXX The advertisement for sale of any debt to coerce payment of the debt. Is a violation of 15 U.S. Code 1692d ( 4 ) If this office agrees to handle this matter outside off litigation, I request a settlement offers. I will be taking legal proceeding if action is not done to my favor. Notwithstanding, I instruct Contract Callers inc to close my account and to permanently cease all further collection efforts regarding the multiple subject account. In addition, to the damages I am requesting five thousand ( {$5000.00} XXXX to settle., If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.

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