Consumer complaint received 2022-07-18
Company: Law Offices of Goldberg & Oriel
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In response to CFPB Complaint # : XXXX My name is XXXX XXXX XXXX XXXX XXXX a federally protected Consumer. And i am making this complaint against the Law Offices of Goldberg & Oriel for violating Cease & Desist notice they received XX/XX/XXXX ( see attachment cease & desist ), and for continuing to invade my individual privacy by committing abusive, deceptive and unfair debt collection practices. The Law Offices of Goldberg & Oriel stated we mailed back validation of the debt to XXXX XXXX. and In the spring of XXXX XXXX XXXX again asked for validation of the debt and again we responded. and We provided all documents sent to us by our client. It's my belief that the Law Offices of Goldberg & Oriel have attempted to commit theft by deception by furnishing false and deceptive forms via U.S. Mail, which constitutes mail fraud. I never contracted with the Law Offices of Goldberg & Oriel, so they have no lawful authority to have my identifying information which they are using to commit extortion and aggravated identity theft pursuant to 18 USC 1028A. A voicemail ( see attachment XXXX XXXX ) was left by XXXX from Goldberg & Oriel as quoted in the message. This is a violation of 1692d ( 6 ) and 15 USC 1692e ( 11 ). As of XX/XX/XXXX i have not received any documentary evidence, such as a trilateral contract, giving the Law Offices of Goldberg & Oriel any right to collect on this alleged debt. The Law Offices of Goldberg & Oriel stated Thereafter in XXXX of XXXX suit was filed against XXXX XXXX. Pursuant to 15 USC 1692i ( b ), they have no legal standing in the matter and the amount of the alleged debt the suit was filed for, differs from my XXXX, XXXX and XXXX consumer reports ( see attachment Exhibit B ). This is a false representation of the amount of the alleged debt and is a violation under 15 USC 1692e ( 2 ) ( a ). It is my belief that the Law Offices of Goldberg & Oriel and XXXX XXXX XXXX XXXX are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive, and threatening forms pursuant to 18 USC 876. I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX before they committed multiple violations under FCRA and FDCPA by furnishing this alleged debt to my consumer report. If XXXX XXXX XXXX XXXX can not provide me with such proof as a tracking that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I have never received documentation for validation from XXXX XXXX XXXX XXXX before they committed multiple violations under FCRA and FDCPA by furnishing this alleged debt to my consumer report. XXXX XXXX XXXX XXXX and the Law Offices of Goldberg & Oriel are to be held civilly and criminally liable for their abusive, deceptive and unfair debt collection practices. 


See Attachments : Debt Validation Letter Exhibit A, a copy of their CFPB response to Complaint # : XXXX Exhibit C, copy of FTC Report XXXX which consists of General Provisions & Violations committed by the Law Offices of Goldberg & Oriel and XXXX XXXX XXXX XXXX ; 15 USC 1602 ( l ), 15 USC 1605,1692c ( b ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 4 ), 15 USC 1605 ( a ), 15 USC 1605 ( c ), 15 USC 1692d ( 5 ), 15 USC 1692d ( 6 ), 15 USC 1692e ( 11 ).

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