Consumer complaint received 2021-12-03
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, a natural person, and a consumer, receive my consumer report on XX/XX/2021, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 
AD ASTRA RECOVERY SERVICES , INC has stated that I, a consumer, owe an alleged debt. This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any court documentation before the communication of this alleged debt. This is a violation of 15 USC 1692c ( a ) AD ASTRA RECOVERY SERVICES, INC engaged in conduct that has harassed, oppressed and abused me in connection with the collection of this alleged debt. Oppressing a right would be conducted not allowed under the FDCPA and is a violation of 15 USC 1692d. Credit is my right granted and protected by federal law. AD ASTRA RECOVERY SERVICES , INC has caused damages to my financial reputation by furnishing this alleged debt to my consumer report in order to coerce payment. This is a violation of 15 USC 1692d ( 4 ) and is known as debt parking described by the FTC.

AD ASTRA RECOVERY SERVICES , INC has communicated a false representation of the character and amount of this alleged debt. This alleged debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). AD ASTRA RECOVERY SERVICES , INC has knowingly furnished the credit reporting agencies with false credit information which is a violation under 15 USC 1692e ( 8 ) All of these actions were false and deceptive and a violation under 15 USC 1692e ( 10 ) AD ASTRA RECOVERY SERVICES , INC has not provided me with any validation of this alleged debt under 15 USC 1692g which should include : 1 ). amount of debt.

2 ). the name of the creditor to whom the debt is owed.

3 ). A Miranda which states unless the debt within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 4 ). Another Miranda which states if you notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

5 ).

And a final Miranda which states upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

My failure to dispute the validity of this alleged debt may not be construed as an admission of liability!

15 USC 1692g ( c ) The failure of a consumer to dispute th
e validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
These abusive and deceptive actions have caused a denial of credit and AD ASTRA RECOVERY SERVICES, INC is liable to me for actual damages sustained due to violations committed under the FDCPA.

Company response to consumer: Closed with explanation