Consumer complaint received 2021-09-21
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. An complaint was filed with CFPB # XXXX where I provided the following explanation 1. According to the Fair Debt Collection Practice Act section 15 USC 1692e I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. ( Communication is described as any contact directly or indirectly through ANY mediums to the consumer ) XXXX credit reporting agencies ). There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act section 15 USC 1692e the said debt collector must not use any false nor deceptive/misleading representation. This includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization. This alleged debt has not been validated nor represented by the original creditor. Exhibit 1 serves to be an example. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights pursuant to 15 USC 1692d ( 4 ). 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. This is considered identity theft under the law. 4. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 5. Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card pursuant to 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Hence, my social security card. In fact, my social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, pursuant to the above, this is a violation of my rights as a federally protected consumer. 6. Pursuant to 15 USC 1692e ( 1 ) the debt collector may not use any false or misleading representation OR implication that that the debt collector is vouched for. See company 's response to complaint as proof. M & M credit falsely accused me the consumer of paying an alleged debt that I did not pay and nor do I owe in an attempt to prove that the alleged debt is true, when reported to the CFPB. Is this not implying that the debt is vouched for? I do not owe the alleged debt and nor did I at any time pay the alleged debt. This is falsification. 7. Pursuant to 15 USC 1692e ( 2 ) the may not use any false or misleading representation in regards to any services rendered. M & M CREDIT responded ( ( ( We received this account on XX/XX/XXXX and sent our first notice to the consumer on XX/XX/XXXX. We did not report the DEBT to the credit bureaus until XX/XX/XXXX. We were informed by our client on XX/XX/XXXX that a payment had been made and we reported the payment on our next report to the credit bureaus. There has been no written request for validation of this account. We will remove this account altogether from the credit bureaus on our next report to the credit bureau ) ) ) The above rebut is false information. M & M alleges that the debt was paid. I am demanding proof of this said payment and a certified copy of the form of payment used to do so. 8. Pursuant to 15 USC 1692b ( 2 ) a debt collector must not state that the consumer owes a debt. M & M Credit not only communicated that I owed a debt but also communicated it through a medium ( CFPB ) and not DIRECTLY and solely to me the consumer pursuant to the above. Also M & M provided false information which is also a violation of my rights pursuant to 15 USC 1692d ( 4 ) stating that I made a payment on 8/26. I am now demanding XXXX. XXXX upon receipt of invoice related to 8 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681 & 1692. UNLESS you are able to furnish all information asked for.

Company response to consumer: Closed with explanation