Consumer complaint received 2023-07-27
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I request validation of contract between myself and FINANCIAL CREDIT NETWORK. As far as I know there is no contract, promissory note, application, agreement or any other instrument your company have with my signature establishing an obligation between myself and XXXX. I also request proof of contract between your company and the alleged creditor in your records that gives you authorization and my consent to have my information. 

The deceptive notice received from your company is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with XXXX XXXX, non-affiliate companies as I am opt-out of XXXX XXXX and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. 

This notice appears to not only provide false and misleading representation as we have no contract/no agreement but this is also deceptive, abusive and unfair practices which are all violation of XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act. I am prepared to file suit against FINANCIAL CREDIT NETWORK for invading my privacy, using my identity for your own personal gains as well as threatening to destroy my right to fair credit reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. 

I ask that unless your company can provide me original signed contracts, that you cease and desist. Your company is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill. 

I am filing several complaints against your company for violations mentioned. This is harassment. This is identity theft. 

Under California XXXX Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. 

Your company has no right to collect any alleged debt on any private accounts nor does your company have rights to interfere with investigation and disputes with any alleged creditor. Per 15 USC 1681a consumer report can not have personal transaction history. According to IRS publication any charged off or collections accounts are considered a certificate of indebtedness with is income and income can not be reported on my consumer report. You are in violation as a debt collector buying alleged debt which would actually be considered income that is to be reported to IRS. YOU ARE BEING DEMANDED TO NOT SHARE INFORMATION TO CONSUMER REPORT. I demand XXXX XXXX XXXX to CEASE and DESIST all collection and communications except to provide remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation