Consumer complaint received 2018-08-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XX/XX/XXXX CMRE FINANCIAL SERVICES XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please be advised this is my 5TH WRITTEN REQUEST about THE ERRORS YOUR COMPANY IS REPORTING AGAINST ME ON MY 2 CREDIT REPORTS. Yet again, you have failed to provide me with a copy of any viable evidence THIS ACCOUNT IS BEING REPORTED ACCURATELY. 
LET ME POINT OUT ( AS ATTACHED TO THIS COMPLaint ) ARE copIES of my 2 credit reportS where your company errors are shown in detail. ALSO PREVIOUS REPORTS WHERE YOU REPORTED a change in reporting and increase in balance?? 
ERROR 1 : XXXX/XXXX  NOT STATING ACCOUNT IS BEING DISPUTED AS COMMANDED BY FCRA LAW 623 ( a ) ( 3 ) ERROR 2 : PAYMENTS I NEVER MADE BEING REPORTED Repayment History by XXXX  : XX/XX/XXXX - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK -XX/XX/XXXX - - - - - - - - - - - - - - - - - - - - - - - - - - -XX/XX/XXXX - - -  - - - - - - - - - - OK - - OK - - OK - - OK - - OK - - OK - - OK - - OK OK Current 30 30 Days Late 60 60 Days Late 90 90 Days Late 120 120 Days Late 150 150 Days LaE 180 180 Days Late PP Payment Plan RF RepossessioN XXXX Account Number XXXX Payment Status : n/A Account Balance {$1500.00} Date Opened XX/XX/XXXX Limit Amount Past Due {$1500.00} Original Amount - - -Original Creditor N/A ERROR 3 : NO VERIFIABLE PROOF account is mine EVER BEEN PROVIDED to me in writing AFTER MULTIPLE REQUESTS I dont have a contract with CMRE even if I had an account with XXXX and or XXXX XXXX the city ERROR 4 : ACCOUNT BEING REPORTED AS collections but reporting monthly payments like an installmet loan Error 5 : increase in balance owed every mnth for 3 years when I had no contract with them or OC for anything AND NO INTREST STIPULATED Error 6 : NO charge off date and incorrect monthly reporting showing current payments but that the account is late? How is that even possible? 
ERROR 7 : NO OC SHOWED HOW DO I KNOW THIS IS VALID ERROR 8 : FCRA Section 623 ( a ) ( 1 ) ( C ), YOU SHOULD KNOW THE LAW YOUR BREAKING HERE ERROR 9 : NEVER PROVIDED DOCUMENTATION ON STATUS OF ACCOUNT PER FCRA law 623 ( a ) ( 4 ) Error 10 : No notice ever sent once alleged account went into late/charge off status FCRA law 623 ( a ) ( 7 ) ( G ) ( i ) THIS IS A COLLECTIONS ACCOUNT HOW DO YOU REPORT MONTHLY INSTALMENT PAYMENTS?????? 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please provide me with the following : 1. What the money you say I owe is for? 
2. Explain and show me how you calculated what you say I owe? 
3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 6. PROVIDE ME EITHER MY BANK ACCOUNT NUMBER # /CREDIT CARD # WITH SIGNED SLIP/CHECK IMAGES/MONEY ORDER RECEIPT/WIRE TRANSFER CONFIRMATION # /ACH TRANSFER CONFIRMATION # OR ANY OTHER FORM OF PAYMENT YOU CLAIM YOU RECEIVED FROM ME TO VALIDATE/PROVE YOUR ERRONEOUS REPORTING OF THIS ACCOUNT TO THE BUREAUS, THAT I MADE 9 MONTHS OF PAYMENTS TO YOU FROM XXXX AND XXXX XXXX. Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent. 
10. PROVIDE ME THE names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof TO ME. 
11. PROVIDE THE DOCUMENTED PROOF THAT YOU EVER GAVE ME NOTICE OF THE CHARGE OFF PER FCRA LAW 623 ( a ) ( 4 ), and PROVIDE THE ACTUAL CHARGE OFF DATE AND AS STATED YOU MUST IN FCRA LAW 623 ( a ) ( 5 ) A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
12. PROVIDE THE DOCUMENTATION AND PROOF YOU PROVIDED ME REGARDING THE STATE OF THIS ACCOUNT ONCE IT BEGAN REPORTING AS A LATE PER FCRA LAW FCRA 623 ( a ) ( 4 ), As it stands now the reporting is a clear violation of the Fair Credit Reporting Act. ( FCRA ) I would also mention that one needs to also insure your employees are receiving and following the proper training in regard to your chosen industry. This statement is in reference to the past nature of your correspondence/communication. The Court has stated the following, which you should be quite familiar with : The Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692n ( " FDCPA '' or " Act '' ), under which this case arises, is premised on the congressional belief that " 'every individual, whether or not he owes the debt, has a right to be treated in a reasonable and civil manner, ' '' XXXX v. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX  Cir. XXXX ), citing XXXX XXXX. Rec. XXXX ( XXXX ). 

At this time, we solely seek the correct remedy to our credit report AND DELETE THIS ACCOUNT From all 3 bureaus. It is in good faith that we will assume your employees in the future will follow the rules of the FCRA/FDCPA with any of your other clients you may have, as they have failed miserably thus far in our case. 

We stress that this matter requires your immediate attention as I am currently, due to your reporting inaccuracies, experiencing financial injury. In addition, now that you have been AGAIN PROPERLY notified of your error in writing, you may not continue to report the information as it is, in fact, an error. Should you not correct this we will pursue the extent of damages incurred BY ME, the injured partY, as deemed by the courts. ( US Court of Appeals, XXXX Circuit, XXXX. XXXX, XXXX vs. XXXX XXXX ) If you need to contact ME regarding this account I request all correspondence be sent to the address below and will NOT accept phone calls from you or your associates. All correspondence will be in writing/EMAIL only. 

If this matter isnt fixed immediately, I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 600-618 regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Federal Law. Furthermore you have failed to provide the method of verification as an Original Wet Note signature Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. AND if not fixed immediately, I will be seeking a minimum of {$1000.00} in damages per violation for : 1 ) DEFAMATION 2 ) VIOLATION OF FCRA ACTS ( SECTIONS INCLUDING, BUT NOT LIMITED TO, 807-8, 623-a-3, 616-617, 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), FCRA 623 ( a ) ( 5 ) ( A ), FCRA 623 ( a ) ( 5 ) ( B ), FCRA 623 ( a ) ( 7 ) ( G ) ( i ) ) Thank You,  XXXX XXXX XXXX

Company response to consumer: Closed with explanation