Consumer complaint received 2023-02-27
Company: Berlin-Wheeler, Inc. (Kansas)
State: IA
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:
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against BERLIN WHEELER KS ACCT XXXX XXXX I reject your offer to contract I did not consent to any NONAFFILIATED THIRD PARTY BERLIN WHEELER KS ACCT # XXXX to be in possession of my Nonpublic Person Information. THIS IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT FAIR TRADE COMMISION ( FTC ) CONSIDERS PRIVACY VERY CRITICAL. I never gave any permission ( TO BERLIN WHEELER KS ) use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to CEASE AND DESIST all illegal activity and communications and furnishing false credit information on my consumer reports which is considered communication and illegal activity. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. After you sent a letter to addresses where I DO NOT STAY STATING that XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO YOUR DEBT COLLECTION COMPANY. I now have reason to believe that you are ALL conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is NO TRILATERAL CONTRACT BETWEEN US ( BERLIN WHEELER KS ) THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY ( BERLIN WHEELER KS ). THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. YOU ARE IN VIOLATION OF THE FAIR TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. AND BY BERLIN WHEELER KS FURNISHING FALSE ALLEDGED DEBT ON MY CONSUMER REPORTS I WAS DENIED EXTENSION OF CREDIT FOR HAVING A COLLECTION ACCOUNT ON MY CONSUMER REPORT WHICH IS MY FEDERAL RIGHT NOW DUE TO YOUR FALSE CLAIM YOU ARE PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH NOW PUTS YOU IN VIOLATION OF THE FAIR TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK JUSTICE, AND DEMAND, ALL MY FEDERAL RIGHTS BE PROTECTED, AND RESPECTED, AND ENFORCED. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF15 U.S.C. 1692d A debt collector in collecting a debt, XXXX not harass, oppress, or abuse any person. For example, a debt collector XXXX not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY FURNISHING THIS ALLEDGED DEBT ON MY CONSUMER REPORTs YOU ARE HURTING MY REPUTATION AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH BERLIN WHEELER KS NOR DESIRE TO. IMMEDIATELY DELETE THE FALSE ALLEDGED DEBT ON MY CONSUMER REPORTS. AND UNDER 15 USC 1692K I AM TO BE AWARDED {$1000.00} PER VIOLATION FINDINGS I DEMAND MY DUE DAMAGES BASED ON 15 USC 1692K BE MAILED TO ME AND DELETE ALL ALLEDGED DEBT FROM OFF MY CONSUMER REPORTs IMMIEDATELY FEDERAL CONSUMER RIGHTS SUPERCEDES AN ALLEDGED DEBT OF {$230.00}.

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