Consumer complaint received 2023-08-15
Company: Central Portfolio Control Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While looking at my XXXX credit report on XX/XX/XXXX, I found a supposed collection account from Central Portfolio Control for the amount of {$790.00}. It says it was opened on XX/XX/XXXX with the account number starting in XXXX. It also claims that the terms is 1 month ( I assume that means to pay the alleged debt in full ), but I never went into any business with this company or signed any agreements with them, so they should not be reporting anything on my credit or be making terms that I never agreed to or was contacted about, nor was I notified of this debt entirely. 

I am arguing that the debt is not mine, and even IF it were, this is a violation of my rights as a consumer according to the FDCPA, as 1. I never received any form of verification or validation about this supposed debt, and 2. This was primarily reported to XXXX, and potentially the other two major credit report agencies of XXXX and XXXX, without first notifying or contacting me. This is against Regulation F of the FDCPA which states that a collection agency or debt collector can not report debt to the 3 major credit agencies of XXXX, XXXX, or XXXX without first contacting or notifying the consumer of the supposed debt in question. 

Additionally, IF this is connected to a XXXX medical debt, this debt has passed the statute of limitations, as it was first opened on XX/XX/XXXX by XXXX XXXX XXXX ( which has since been disputed and removed from my report as of XXXX of this year ) with a total of {$190.00}, which also as of this year, has now been over the statute of limitations to collect on medical debt in Virginia, which is 3 years ( in my XXXX  complaint, I mistakenly said 5 years, but its really XXXX ), which means this company can not legally come after me for this alleged debt, and if they do, it will be yet another violation of the FDCPA. I would like for this collection to be removed immediately and for the account to be deleted. 

I already have made XXXX XXXX XXXX XXXX complaint, which I stated that I will be making a complaint through the XXXX as well if the debt is not removed and deleted, but as of today, XX/XX/XXXX, the company has yet to respond to that complaint, but they still have about 26 days left to respond, so well see if they comply. I also disputed with XXXX, but as of yesterday, XX/XX/XXXX through XXXX, XX/XX/XXXX, my dispute results were unsuccessful, with the account supposedly being verified and updated, and the company still claims I owe this debt, to which I still argue against, and I will keep disputing. IF the account is not deleted, I will be consulting a lawyer or I potentially will even take legal action against this company because they have violated my rights under the FDCPA at least twice, to which I am very well aware of my rights as a consumer. 

I do not mean to sound difficult, but I am extremely angry and tired of all these collection agencies claiming I allegedly owe money that I know I do not owe, especially not {$790.00}, as I had to make XXXX  and XXXX complaints back in XXXX of this year against another collection company ( XXXX XXXX XXXX  ) who claimed I owed the exact same amount ( {$790.00} ) in two accounts, which I supposedly got them to delete, but I believe one of the accounts was instead bought by this company without them first notifying me. Please delete the account and remove from my credit report ASAP. 

I also wish to not be contacted directly by the company, so I would like for them to cease and desist all future contact with me. Thank you

Company response to consumer: Closed with explanation