Consumer complaint received 2022-07-09
Company: Ascendium Education Group
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, XXXX XXXX XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE fraudulent TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NTURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Burau of Consumer Financial protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit Bureaus and there is only on Bureau and that is the Consumer Financial Protection Bureau. XXXX, XXXX, XXXX and XXXX continue to report debt in the public that isnt mine. 
On XX/XX/1933, Congress enacted HJR-192 section 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subjected to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purpose to give the obligee a right to require payment in gold or a particular kind of coin or currency. Are in inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private depts. 15 USC 1681 3 ( E ) ( e ) The term information on a consumers character general reputation personal characteristic or mode of living is obtained through personal interview with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This reporting of amounts on these reports are also illegal. 12 CFR 1016 limits on disclosure ( non-public personal financial information. The agency assumed to make these reports on how debt is paid does not have the authority to report such information. This debt collection agency purchased the debt from the following : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  and XXXX and XXXX XXXX XXXX XXXX and Ascendium, My personal information was sole without my expressed consent. My ability to function in commerce as a consumer/natural person has been affected by these reports. My ability to obtain housing, transportation, job, and credit which is unlimited has stagnated me as a consumer. The alleged debt of over {$98000.00} XXXX dollars is unfounded. Please also see title 12 5518 and 5531 on banks and banking for further information. Please note the Bureau has have no authority under the section to declare an act or practice in connection with a transaction with a consumer financial product or service, or the offering of a consumer financial product or service, to be unlawful on the grounds that such act or practice is unfair, unless the Bureau has a reasonable basis to conclude that ( A ) the act or practice causes or is likely to causes substantial injury to consumers which is not reasonable avoidable by consumers and such substantial injury is not outweighed by countervailing benefits to consumers or to competition. 
Also, all applications that are in the consumers name and that are traded must be disclosed. The abovementioned purchase debt traded, and the consumers personal data has been used to buy and sell securities without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation