Consumer complaint received 2022-06-16
Company: Collins & Hilton Asset Group, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** My name is XXXX XXXX and as a federally protected consumer XXXX and I am making this complaint against Collins Asset Group , LLC for committing identity theft XXXX I have never given Collins Asset Group , LLC any permission to use any of my personal identifying information in order to commit mail fraud by contacting me about any alleged debt claimed to be owed. I am aware that the that in accordance with UCC Article 9-408 ( c ), the assignment of a defaulted note without the consent of an obligor is both ineffective and illegal. Both the assignee and the assigned by its actions are both liable for violations under 15 USC 1692e ( 12 ).

Collins Asset Group , LLC has failed to provide me with evidence of certified mailing with a corresponding USPS tracking number proving that it has met its obligation to lawfully validate this alleged debt with me the consumer prior to furnishing any information to the CRAs. Collins Asset Group , LLC continues to use unlawful and extortionate collection practices as defined under 18 USC 891 ( 7 ) with forethought and malicious intent to bring harm to my financial reputation in violation of Federal Law under 18 USC 894 ( a ), and is also engaged in Debt Parking in violation of 15 USC 1692d ( 4 ). The Federal Trade Commission has acknowledged that a consumers credit report is a No Parking Zone for fraudulent debts in accordance with Federal Law.

Collins Asset Group , LLC by its response has willfully admitted to the fact that it has illegally obtained and is currently in use and possession of my personal identifying information by stating This account charged off on XX/XX/XXXX, with a balance of {$27000.00} and was sold to Collins Asset Group , LLC on XX/XX/XXXX. The purchase and acquisition of my personal identifying information did not result from any authorized consumer credit transaction, nor was any expressed written instruction, permission, or consent given Collins Asset Group , LLC authorizing the use, possession, transferal, or assignment of my private intellectual property in any form thus constituting Aggravated Identity Theft as defined by 18 USC 1028A ( a ) ( 1 ). Additionally, this purchase and transaction by Collins Asset Group , LLC, in a fraudulent attempt to obtain money and or property from me as a consumer constitutes Securities Fraud in violation of 15 USC 77q ( a ). Collins Asset Group , LLC has also admitted to the fact that I have previously disputed the referenced account as Identity Theft by stating : On XX/XX/XXXX, the consumer filed [ a ] complaint with the CFPB and that We have received disputes from the customer for ID theft. Despite this admission, Collins Asset Group , LLC has failed to comply with Federal Law in accordance with the Fair Credit Reporting Act section 15 USC 1681s-2 ( a ) ( 6 ) ( B ) by removing or blocking the inaccurate and fraudulent account from my credit report. Although Collins Asset Group , LLC has stated : Our TQM team reviewed and determined [ it ] wasnt a fraud account, this is in fact a false statement as Federal Law pursuant to 12 CFR 1022.3 ( h ) defines Identity Theft as a fraud committed or attempted using the identifying information of another person without authority. 

Collins Asset Group , LLC by its response has willfully admitted to the fact that it has illegally transferred my personal identifying information to XXXX and XXXX, XXXX, without my expressed written instruction, permission, or consent authorizing the use, possession, or transferal of my private intellectual property in any form thus constituting a second act of aggravated identity theft as defined by 18 USC 1028A ( a ) ( 1 ). Furthermore, in accordance with UCC Article 9-408 ( c ), the transfer or assignment of a [ Promissory Note ] absent the consent of an obligated party is both ineffective and illegal. Both Collins Asset Group , LLC " and XXXX and XXXX, XXXX, acting as assignee and assignor shall be held civilly and criminally liable for violations of Federal Law under 15 USC 1692e ( 12 ), as well as securities fraud, extortion, and mail fraud.

In accordance with the 15 USC 1692c ( c ), I am once again legally refusing to pay this debt and I am again demanding that Collins Asset Group , LLC to cease and desist all illegal communication and collection activity of this alleged debt, which includes an immediate removing or blocking of the inaccurate and fraudulent account referenced herein that has resulted from identity theft and unauthorized use of my personal identifying information in accordance with 15 USC 1681s-2 ( a ) ( 6 ) ( B ). Based upon the facts stated herein, I have now initiated litigation for actual damages caused by Collins Asset Group , LLC who will now be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A ( a ) ( 1 ), extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the statements and documents provided herein, you are hereby notified in accordance with UCC Article 1-202 ( f ). Notice of identity theft and unauthorized use of my personal identifying information including all corresponding documentation and claims of civil and criminal liability has also been mailed to XXXX XXXX XXXX XXXX XXXX XXXX by way of USPS Priority Express Mail # EI XXXX XXXX XXXX XXXX. 


***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE***

Company response to consumer: Closed with explanation