Consumer complaint received 2023-06-24
Company: Credit Corp Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against CREDIT CORP SOLUTIONS, INC regarding their debt collection practices. The details of the complaint are as follows : Creditor Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Alleged Debt Amount : {$490.00} Debt Collectors Account Number : XXXX Issue Description : I received a communication from CREDIT CORP SOLUTIONS , INC on [ Date of Initial Communication ], claiming that I owed a debt to XXXXXXXX XXXX XXXX XXXX In response, I disputed the validity of the alleged debt and requested proper verification as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : CREDIT CORP SOLUTIONS , INC has violated several provisions of the FDCPA, including but not limited to the following : a. Failure to Provide Verification : Despite my explicit request for verification of the alleged debt, CREDIT CORP SOLUTIONS , INC has failed to provide any substantial evidence. They have neglected to furnish any documentation bearing my signature or other valid proof of the debt 's existence. 

b. False Representation : CREDIT CORP SOLUTIONS , INC falsely claimed to have sent me a verification of the debt, stating that it is a " Second Response to Dispute. '' However, I want to make it clear that I have never received any previous correspondence from CREDIT CORP SOLUTIONS , INC prior to their letter dated XX/XX/2023. Their claim of a " Second Response to Dispute '' is completely false and misleading. 

Unlawful Collection Attempts : CREDIT CORP SOLUTIONS , INC has engaged in unlawful collection practices by attempting to collect a debt without providing adequate evidence of its validity. They continue to assert their claim without any legal basis or proper documentation. 

Requested Actions : I request the following actions be taken in response to this complaint : a. Investigation : I urge the Consumer Financial Protection Bureau to initiate a thorough investigation into the debt collection practices of CREDIT CORP SOLUTIONS , INC, specifically regarding their failure to provide proper verification, their false representation, and their claim of a " Second Response to Dispute '' that I have never received.

b. Cease and Desist : I request that CREDIT CORP SOLUTIONS , INC be ordered to immediately cease all collection activities related to the alleged debt and refrain from any further communication with me. 
c. Removal of Credit Reporting : I insist that CREDIT CORP SOLUTIONS , INC promptly request the deletion of any previously reported information concerning this alleged debt from the credit reporting agencies.

d. Penalties and Legal Action : I urge the appropriate authorities to impose appropriate penalties and take legal action against CREDIT CORP SOLUTIONS , INC for their unlawful debt collection practices, as outlined in this complaint. 

Supporting Documentation : Enclosed with this complaint, please find copies of all relevant correspondence, including my dispute letter sent to XXXX and their false claim of a " Second Response to Dispute. '' I appreciate your attention to this matter and your assistance in resolving this dispute. I look forward to your prompt action in investigating and addressing the illegal practices employed by CREDIT CORP SOLUTIONS , INC. Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation