Consumer complaint received 2022-11-12
Company: Consolidated Recovery Group, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXTHIS COMPLAINT IS IN RESPONSE TO CFPB COMPLAINT # XXXX My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Consolidated Recovery Group , LLC for violating my cease and desist demanding them to STOP all communication & collection activity. Consolidated Recovery Group , LLC also is admitting these violations by stating " We have attempted to reach XXXX XXXX both by mail and phone without success '' I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

Consolidated Recovery Group , LLC stated in their response to COMPLAINT # XXXX " The balance was sent to XXXX 's internal collection dept. and when they were unsuccessful, the contract was assigned to this firm for collection. '' I have not validated any alleged debt with Consolidated Recovery Group , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XXXX, XXXX  I have not received any documentary evidence, such as a trilateral contract, giving Consolidated Recovery Group , LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Consolidated Recovery Group , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Consolidated Recovery Group , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Consolidated Recovery Group , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Consolidated Recovery Group , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Consolidated Recovery Group , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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