Consumer complaint received 2023-03-25
Company: Global Asset Agency, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee Global Asset Agency XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account # XXXX REQUEST FOR ORIGINAL WET INK SIGNATURE CONTRACT, VERIFICATION & SITED VIOLATIONS I am requesting a wet ink signature contract, transaction history in dispute for any transactions between me and your company, any reversals, account not found, NSFs or any other banking/transaction codes that deny my consent to your company 's access related to my payments. According to the EFT Act, I require a certified, verified and complete transaction history by jurat affidavit under pains and penalty of perjury. I have been instructed by my bank if the funds are not applied to the account and the transaction history is not provided as required to open a case with the IRS Criminal Investigation Department, the US Treasury and the Secret Service for investigation of suspicious activity and to locate the whereabouts of my funds. You are in violation of 15 U.S.C. 1693 ( f ) and FDIC 6000 Consumer Protection ; TITLE VI ELECTRONIC FUND TRANSFERS 908 Error Resolution ( e ) Treble Damages will apply if the reversal is not corrected within 10 days.

Also as I look at a few things you are in violation of 15 U.S. Code 1681 section 602 A, States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This account is unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately. 

XXXX XXXX XXXX you are in violation of credit reporting act 15 USC 1681B for unlawfully obtaining my XXXX XXXX and XXXX pConsumer report with my permission. 
If you were operation lawfully I would have received a request for information which I did not. You are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply. In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. So where did you get your alleged information on me?

Without my authorization and permissible purpose under the FCRA as a result of you unlawfully obtaining my custom report you are liable to me actual damage or statutory damage up to {$1000.00} and punitive damages. I am willing to settle this matter without admitting liability, cease and desist obtaining copies of my consumer report from the consumer reporting agencies pay me {$1000.00} and deliver it to my address above within 10 days of receiving this demand. Please advise as a secured party/creditor, I am prepared to place a commercial lien using the UCC1 on your company if you do not comply with this demand upon time or receipt of the XXXX dollars and deletion or any increase on my credit file this letter should serve and shall be general release of all claims herein. I have contacted XXXX consumer reporting Agency about this matter giving them proof of identity theft. 

Respectfully submitted, : XXXX : XXXX XXXX XXXX XXXX with XXXX.

Company response to consumer: Closed with explanation