Consumer complaint received 2021-10-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is no my intention nor ever been not to pay or avoid to paid any debt that Im legally obligated, but unfortunately CMRE Financial Services and its President and XXXX XXXX XXXX had completely ignored my three ( 3 ) disputes letters and had ignored my explicit request to provide me with ( 1 ) Copies of the original contract showing terms of agreement with my signature ; ( 2 ) All documents signed by me proving the amount of obligation ; ( 3 ) Documented proof that this is my obligation. 
I obtained a copy of my credit report on or about XX/XX/XXXX, shortly after I directly disputed in writing with the credit bureaus and with CMRE the accuracy of alleged account XXXX, reported in my credit file by CMRE to the credit bureaus, via fax and via USPS certified mail ( XXXX ) ( XXXX ) CMRE and XXXX XXXX XXXX , received a ADV from the credit bureaus along with my fax and certified dispute letters on or about XX/XX/XXXX. 
CMRE or XXXX XXXX XXXX, never respond or acknowledged my dispute letter nor they ever validated the allege account due to my dispute letter. 
On or about XX/XX/XXXX and XX/XX/XXXX, CMRE and XXXX XXXX XXXX verified with XXXX as accurate the alleged account XXXX. 
CMRE and XXXX XXXX XXXX, not only ignored my disputes letters but also without validating the alleged account and without accurately mark as required by the FDCPA that XXXX XXXX dispute the debt in my credit report on or about XX/XX/XXXX, As evidence by the XXXX results from my dispute under Report number XXXX, dated XX/XX/XXXX. 
I believed, CMRE and XXXX XXXX XXXX are my rights under the FDCPA for included but not limited : Failure or refusal to validate the debt and the account as required under the FDCPA ; XXXX and XXXX XXXX XXXX are in violations under Federal XXXX. XXXX ; in connection with debt collection ; 1692d. Harassment or abuse 1692e. ( 2 ) ( 8 ) ( 10 ) False or misleading representations ; 1692f. Unfair practices ; 1692g. Validation of debts ; 1692k. Civil liability The DATA information currently reported by CMRE and XXXX XXXX XXXX to the credit bureaus on XXXX XXXX credit report not only is inaccurate and misleading but is also false for one or more of the following reasons : FACTUAL ALLEGATIONS I never opened any account or enter into any agreement or contract with CMRE on XX/XX/XXXX. As falsely, inaccurately and misleading reported by CMRE in my credit report with the credit bureaus I never agree to pay any money to CMRE under account XXXX. As falsely, inaccurately and misleading reported by CMRE in my credit report with the credit bureaus I, did not currently or at any time owe or ever owed CMRE any original balance in the amount of {$590.00}, under account XXXX. As falsely, inaccurately and misleading reported by CMRE in my credit report with the credit bureaus I, did not currently or at any time owe or ever owed CMRE any outstanding or recent balance in the amount of {$630.00}, under account XXXX. As falsely, inaccurately and misleading reported by CMRE in my credit report with the credit bureaus Additionally, CMRE and XXXX XXXX XXXX are communicating to XXXX and XXXX in XXXX XXXX credit report information, which is known, or which should be known to be inaccurate and/or false specifically : The alleged Status of acc : Seriously past due date The alleged Balance as of XX/XX/XXXX : {$630.00} The alleged Original balance : {$590.00} The alleged Term : 1 Months The alleged Date opened : XX/XX/XXXX The account type : OPEN 15 U.S.C. 1692e ( 8 ), provides that a debt collectors may not " communicate to any person credit information which is known or which should be known to be false. 
CMRE and XXXX XXXX XXXX, failed to respond to my previous validations letters. 
CMRE and XXXX XXXX XXXX continue to report this inaccurate, false and misleading information in my file to XXXX and XXXX without validation of this alleged debt after received my disputes. 
CMRE and XXXX XXXX XXXX did not supply me with the information I requested. I have demand that CMRE and XXXX XXXX XXXX to cease immediately reporting this false information in my credit file with XXXX, and XXXX and have asked CMRE and XXXX XXXX XXXX to instruct the credit bureaus to remove this false record from my credit reports which they failed to do so.

Company response to consumer: Closed with explanation