Consumer complaint received 2022-12-19
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCAC has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means. I have reasonable cause to believe that NCAC had prior knowledge that punishing a consumer for the nonpayment of an extension of credit by engaging in extortionate means was a violation of the XXXX act. NCAC has not attempted to lawfully validate this alleged dent prior to furnishing this false tradeline to nonaffiliated third parties as an attempt to jeopardize my consumer credit reputation. I did not and do not consent to the furnishing of this false tradeline to any credit reporting agencies. The furnishing of this false tradeline violates the FCRA. I am demanding NCAC provide me with a bill of assignment, your license to collect in my state, and your errors and omissions insurance information. NCAC is also to provide me documentary evidence such as the books of accounts or any evidence as described under 15 USC 144 that this is in fact a legitimate debt owed to them. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I received on behalf of these extortionate tactics. If NCAC can prove this extension of credit is in fact a " debt '' as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. If your enterprise does not have prior approval from any legislative branch of the government in the United States, your company is knowingly in violation of the Fals Claims Act and shall be turned in to the attorney general. If this account turns out to be an extension of credit, NCAC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of a consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028A and violation of the RICO act 18 USC 894. Although your enterprise has " lawfully purchased this debt '', you are not exempt from any legal consequences that your actions have caused. In accordance with the FDCPA, you should also be aware that your company is equally, if not more, at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. This is a demand to cease and desist all illegal activity and remove this fraudulently furnished tradeline from my consumer report immediately or I will follow you with a complaint with the FTC and my state 's attorney general and move to file suit in federal court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief