Consumer complaint received 2022-02-08
Company: Central Portfolio Control Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am troubled that you have included the information below in my credit report and that you have failed to maintain procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Please send a verifiable proof ( i.e. : the original consumer contract with my signature on it ) that you have on file for the account listed below. 

XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below In addition, please remove all non-account holding inquiries over 30 days old Please verify the account below. If it can not be properly verified please remove it immediately : Accounts : 1. Central Portfolio Control Original Creditor : XXXX XXXX Initiatives Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX Phone Number : ( XXXX ) XXXX Account Number : XXXX Balance : {$1300.00} Please remove from my credit report Multiple attempts have been made to validate and verify this debt with Central Portfolio Control but I have not received a response from Central Portfolio Control. 

I previously received a phone call from Central Portfolio Control agents by the name of XXXX XXXX on XX/XX/2021, regarding a debt with XXXX XXXX for the amount of {$1300.00}. While on the call, XXXX XXXX I asked for him to send a written letter validating and verifying the debt he was calling in regards to. On XX/XX/2021 I reached back out to XXXX to inform him that I had not received the written letter that was asked for on XX/XX/2021. I provided XXXX with my Name and address and he stated that he could not verify me in his system. He asked if I had an account number and I informed him I was not provided any of that information when he contacted me on XX/XX/2021. By law, a collection agency has 5 days after phone contact to provide written documents validating and verifying the debt in which they are contacting the customer. Central Portfolio Control did not provide that documentation. On XX/XX/2021, a certified letter was sent by USPS tracking number # asking for validation and verification of the debt that letter is still currently waiting for a delivery scan from XX/XX/2021. 

On XX/XX/2021, I sent another letter to Central Portfolio Control disputing a debt from an Offer to Resolve letter I received from Central Portfolio Control. In this letter, it stated that the Current and Original Creditor was XXXX XXXX XXXX XXXX XXXX. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond.

Central Portfolio Control has failed to reply to these letters and has placed the debt on my credit report. Reporting incorrect information on my credit report I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing to provide means, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Attached is a copy of my driver 's license, bank statement, the two letters sent to Central Portfolio Control, receipt from the certified letter, and as well as a copy of the tracking information.

Company response to consumer: Closed with explanation