Consumer complaint received 2022-06-01
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am making a complaint against Capital Accounts for violating the Fair Credit Reporting Act and my consumer rights. As a federally protected consumer I am identifying the Capital Accounts was never given my permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owed. Additionally, Capital Account was notified within the 30 days of the collection statement dated XXXX/XXXX/2022, that this account was in dispute but continue to proceed with further action and reported this alleged item on my consumer profile. I am noting that Capital Accounts has committed multiple violation under the FCRA and the FDCPA by furnishing this alleged debt on my consumer report. 
These violations are as follows : 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. You were not party to this alleged transaction, thus was never authorized by me to report the alleged transaction. These alleged services were with XXXX XXXX. 

15 USC 6802 ( 1 ) - a financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Capital Accounts is nonaffiliated third party as it relates to this alleged transaction.

15 USC 1692f - unfair collections practices - ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have verified with alleged original creditor there was never a contract for these alleged services. Capital Accounts was not provided with an agreement between me and the alleged creditor XXXX XXXX. There is no contract that exist for these services, nor XXXX XXXX have any documentation that authorizes the release of any my personal information. 

15 USC 1692 j ( a ) - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Again, you were not party to this alleged transaction, regardless of representing that you were retained by such alleged creditor.

15 U.S.C. 1681c-2 ( c ) ( 1 ) ( c ) - provide consumer with any valid or actual documentation validating this account or obtaining proof validating that I had obtained possession of any goods, services, or money because of the alleged transaction.

15 USC 1692d ( 2 ) - The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Your representatives indicate all calls are recorded for monitoring and quality assurance purposes, on XXXX XXXX, 2022, and specifically XX/XX/2022 at approximately XXXX, I spoke with representative XXXX XXXX ( if real name ), who used several obscene words and his tone was extremely offensive and abuse ( worst violation of them all please listen to call ). I also recorded these calls and identified this to the representative. And at that point in time, I requested to verify with him that you are able to identify calls based on date, time and consumer reference account. 

Additionally, I provided Capital Accounts with a FTC identify theft report and this information has ignored to date.

Company response to consumer: Closed with explanation