Consumer complaint received 2021-03-02
Company: Cornerstone Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Accordingly, to the Fair Debt Collection Practice Act, a debt collector can not add fees are interest to the amount owed on a debt. In my case this is what is happening in which makes the debt unlawfully to be collected.

Section 804 and 809 - Validating Debts of the Fair Debt Collection Practices Act and Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State, Also, a debt collector or Debt Buyer can not hire a third part debt collector to collect debt in Texas on their behalf and the debt buyer is not registered with the State of Texas. I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Provide me with itemized calculations on what you say I owe ; breakdown all fees Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; and original contract from original creditor Provide a verification or copy of any judgment from the original creditor ( if applicable ) ; Show me that you are in compliance with Texas Finance Code section 392.101 with my state, and provide me with your bond information and registration. 
Provide to me the full name, address, city, state, zip code, and phone number to the original creditor Provide the original account number in the contract from the original creditor Provide me with the open and close dates on the on the original creditors account number Provide the month-day-year of the last payment received from the original creditor Provide me with the contract agreement between the original creditor and your company to prove you been hired to collect on their behalf Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees accept those allowed by the original contract and state law. 
You do not have to respond to this verification except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission, the Better Business Bureau and the Consumer Federal Protect Bureau. 
identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney or representation by choice of the consumer with regard to the subject debt and has knowledge of, or can readily ascertain, such representations name, number, and address, not communicate with any person other than the information given, unless the representation fails to respond within a reasonable period of time to the communication from the debt collector. Can be taken up with the consumer themselves. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

At this point the collection company is report the inaccurate amount I owe on my credit report.

Company response to consumer: Closed with explanation