Consumer complaint received 2022-04-20
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against VELOCITY PORTFOLIO GROUP, INC. d/b/a CKS PRIME INVESMENTS, LLC, for committing XXXX theft. I have never given CKS PRIME INVESTMENTS , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. CKS PRIME INVESTMENTS , LLC stated in CFPB complaint case number XXXX, that they've " purchased this account on XX/XX/XXXX '', which is a violation pursuant to 15 USC 1692e ( 10 ) and is known as securities fraud and aggravated identity theft. I am aware that in accordance with Article 9, 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 ). I have not validated any alleged debt with CKS PRIME INVESTMENTS , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving CKS PRIME INVESTMENTS , LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from CKS PRIME INVESTMENTS , 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 CKS PRIME INVESTMENTS , 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'm well aware that a consumer report is a means of communication pursuant to 15 USC 1681a ( d ) ( 1 ) and I've sent CKS PRIME INVESTMENTS , LLC, a cease and desist letter of all illegal activity, any communication and collection activity, of this and any alleged debts until CKS PRIME INVESTMENTS , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This account still remains on my consumer report because CKS PRIME INVESTMENTS , LLC, chose to ignore my cease and desist letter. THIS IS MY FINAL ATTEMPT OF GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT BEFORE PURSUING LITIGATION CONCERNING THIS SERIOUS MATTER. If this documentary evidence can not be produced and CKS PRIME INVESTMENTS , LLC, continues its collection efforts, I will file for litigation for actual damages caused and CKS PRIME INVESTMENTS , 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. I'm also requesting A FULL REFUND of the settlement that was made pursuant to 15 USC 1692h.

Company response to consumer: Closed with explanation