Consumer complaint received 2016-07-29
Company: Credit Protection Association, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On Friday, XXXX XXXX, 2016, XXXX ( EST ) I received a call from ( XXXX ) XXXX XXXX to my personal cell number from a Debt Collector, Credit Protection Association in an attempt to coerce me into paying the alleged amount by asking me personal questions such as how often do I get paid? When is the next time I will get paid? Am I refusing to pay over {$200.00} for an alleged debt owed to XXXX? Credit Protection Association intentionally violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 8 ) by " communicating and threatening to communicate to any person [ false ] credit information, including the failure to communicate that a disputed debt is disputed. '' I am disputing the validity of this debt or any portion thereof, thus I am requesting verification of the debt by providing me with a copy of the judgement and verification of the seriously overdue account from XXXX in the amount of whatever is allegedly owed because I do not believe I owe what XXXX and Credit Protection Association say I owe. 
During the Debt Collector Credit Protection Association 's initial phone call to me on Friday, XXXX XXXX, 2016 in an attempt to coerce me into paying the alleged amount, this company intentionally violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 8 ) by " communicating and threatening to communicate to any person [ false ] credit information, including the failure to communicate that a disputed debt is disputed. '' Please be advised in accordance to the Fair Debt Collection Practices Act, Fair Credit Reporting Act ( FDCPA ), Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following information : ( 1 ) Tell me when the creditor claims this debt became due and when it became delinquent ; ( 2 ) What the money you say I owe is for ; ( 3 ) Explain and show me how you calculated what you say I owe ; ( 4 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; ( 5 ) Verification or copy of any judgment ( if applicable ) ; ( 6 ) Proof that you are licensed to collect debts in Georgia. 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act ( FDCPA ) and other consumer protection statutes. For instance, I know that : because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; you can not add interest or fees except those allowed by the original contract or state law. 
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief