Consumer complaint received 2021-04-11
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns with Knight Adjustment Bureau '' ( Debt collector XXXX XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX XXXX. ( AAOF ) Notwithstanding I have reviewed this matter confirms that this matter has not been properly handled in accordance with applicable Federal law. This 3rd party office KAB has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) This office is under violation of the FDCPA 15 usc 1692, FCRA 15 U.S. Code 1681. I am verbally making the request to dispute the validity of the debt Again which this office can not misconstrue the debt to be valid. I the consumer also made known clearly, I do not want this office to " do not contact/cease communication '' preference. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Presume to 15 U.S. Code 1692g. I ( consumer ) have received a Statement in the mail referring to an allegation of an alleged debt of {$6700.00} from this debt collector. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) During this initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 U.S. Code 1692b ( 1 ) ( 2 ) This Debt collector has communicated with me at an unusual place without prior consent from me, which I would like this collection office to provide me my writing consent of such action. If request can not be provided this will be an illegal action of 15US. Code 1692C ( a ) This 3rd party office has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation by furnishing false information to the consumer reporting agency. Is a violation of 15 U. S Code 1692d ( 4 ) This Debt collector has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 U.S.Code 1692f ( 1 ). I also still have not received the initial 5 validation request notice I asked for.. Debt collector has furnished unlawful information portraying to a collection on my consumer reporting file without my consent. No consent is defined as identity theft. It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection this is under violation of 15 U.S. Code 1692j. I request this office to take any necessary actions to bring this matter into compliance with the FDCPA 15 usc 1692a. I never receive, a notice to dispute nor know you could dispute debt. I'm very stunned with this office breaking the law to coerce payment for their benefit to Undermine the consumer. If this office agrees to handle this matter outside off litigation, I request for a settlement offers. I will be taking legal proceeding if action is not done to my favor. Notwithstanding, I instruct Knight Adjustment Bureau to close my account and to permanently cease all further collection efforts regarding the one subject account. In addition, to the damages I am requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX to settle. I would love to take this case to federal litigation if renunciation of this office accurses., I will make sure I escalate this matter to litigation immediately with no hesitation

Company response to consumer: Closed with explanation