Consumer complaint received 2021-05-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 COMMONWEALTH FINANCE illegally reported on my consumer report. This debt is not mine and I did not give them permission to report on my consumer report. If COMMONWEALTH FINANCE claims I owe them, I would like for them to validate the debt. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g that states their claim is disputed and validation is requested. I am not requesting for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request COMMONWEALTH FINANCE to provide me with competent evidence that I have any legal obligation to pay them. At this time, I will also inform COMMONWEALTH FINANCE that if their office reported invalided information to any of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by them, I will not hesitate in bringing legal action against COMMONWEALTH FINANCE for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices, and Defamation of Character. If COMMONWEALTH FINANCE are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If COMMONWEALTH FINANCE fails to respond to this validation request within 30 days from the date of receiving this message, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. I also want COMMONWEALTH FINANCE to 1. Name and address of alleged creditor. 2. Name on file of alleged debtor. 3. Alleged account number. 4. Address on file for alleged debtor. 5. Alleged account number. 6. Amount of alleged debt. 7. Date that this alleged debt became payable. 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. I would also like copies of the following : a ) Agreement with your client that grants COMMONWEALTH FINANCE the authority to collect this alleged debt. b ) Signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. c XXXX Any agreement that bears the signature of debtor, wherein agreed to pay creditor. d ) All statements while this account was open. XXXX XXXX Have any insurance claims been made by any creditor regarding this account? Yes or No f ) Have any judgements been obtained by any creditor regarding this account? Yes or No. I would also like for COMMONWEALTH FINANCE to provide the name, date, address of the bonding agent for COMMONWEALTH FINANCE, and an authorized signature of the creditor. This is in case legal action becomes necessary. COMMONWEALTH FINANCE must return these completed forms along with copies of all requested information, assignments or other transfer agreements, which would establish their right to collect this alleged debt within 30 days from the date this message is received. COMMONWEALTH FINANCE claim can not and will not be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation