Consumer complaint received 2022-09-29
Company: Kingston Data & Credit International Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently submitted a complaint ( Case # XXXX ), and the company did not respond to the Cease and Desist ; being that CEASE and DESIST was warranted by LAW because Kingston Data & Credit International has no right or contract to have access to my consumer credit report. However, Kingston Data & Credit international was not able to provide receipt of any contract I have with them, owing said debt. I have not been in any communication in any form with Kingston Data & Credit and I urge them to delete all information from their company from all three consumer reporting agencies ( XXXX, XXXX, and XXXX. The Cease and Desist was warranted. The company ( Kingston Data & Credit ) is still violating my rights as a consumer. No communication or tracking has been provided to me nor have I ( federally protected consumer ) validated said debt with Kingston Data & Credit and they are committing aggravated identity theft in accordance with 18 USC 1028A and Debt Parking. In violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act ; Kingston Data & Credit International has purported debts on my consumer credit reports without first attempting to communicate with the consumer about the debt. Kingston Data & Credit International has still not sent receipt of any communication thereof. I have not disputed this debt, validated this debt, nor been in communication or have signed any agreement to pay said debt. I am protected by the assignee clause and Kingston Data & Credit International is in violation of 15 U.S Code 1692e ( 12 ). Both Kingston Data & Credit International and said Debtor are both held liable by law. Kingston Data & Credit International and said Debtor have committed Aggravated Identity theft by mishandling personal information to create debt and has caused harm to my well being. This law is in accordance with Section 1028 ( a ) ( 7 ). Kingston Data & Credit International responded to my compliant stating they will reach to said " Orignal Debtor '' for validity and request account documentation. Which is further violation of 15 U.S Code 1692e ( 12 ) I have never given any personal information or permission to Kingston Data & Credit International to obtain copies of my consumer credit reports nor add negative items to my report. Which is in violation of 18 USC 891 Section 7 by committing extortion against me to cause harm to my reputation and that is a CRIMINAL ACT. Per the Federal Trade Commission ; the case FEDERAL TRADE COMMISSION v. MIDWEST RECOVERY SYSTEM, strictly prohibits " DEBT PARKING '' and Kingston Data & Credit International is in violation. Kingston Data & Credit International have in numerous instances, in connection with the collection of debts, have directly and indirectly used unfair and unethical means to collect/attempt to collect, by furnishing information regarding a debt to consumer before communicating with me ( consumer ) about the debt, in violation of Section 808 of the FDCPA, 15 U.S.C 1692f. Kingston Data & Credit International have, on numerous occasions, in the attempt to collect debts have implicated that I, the consumer am delinquent on a pay day loan that they have the authority to collect. This is misleading and criminally negligent information. The representations set forth in this paragraph constitute a deceptive act or practice, in or affecting commerce in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). Kingston Data & Credit is also committing mail fraud by attempting to obtain money by means of false and fraudulent pretenses, in violation of 18 U.S Code 1341 Notice Of Fault Opportunity to cure complaint This is a follow up of closed complaint # 220810 Kingston Data & Credit International is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th CirXXXX ) ; Cert XXXX Denied, 50 U.S. L. W. 2169 ; S. Ct. XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''

Company response to consumer: Closed with explanation