Consumer complaint received 2023-03-27
Company: CURO Intermediate Holdings
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1692 - Congressional findings and Declaration of purpose ( a ) Abusive practices : There is an abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of bankruptcies, marital instabilities, loss of jobs, and invasions of individual privacy. 

AD ASTRA RECOVERY SERVICES purchased a debt that consumer doesn't recognize on XX/XX/2022 on consumer in an allegedly owed of XXXX dollars and reported alleged debt on consumer to XXXX the same year. Consumer reached out multiple times to try and correct the issue at hand but consumer never got relief and reporting item continued to stay on consumers report in order to harm consumers integrity in ADVERSITY. GROUNDS FOR IMMEDIATE DELETION. AD ASTRA RECOVERY SERVICES intentionally did not remove account reported in an attempt to coerce consumer into paying a debt that is not lawfully owes to AD ASTRA RECOVERY SERVICES which is a violation of 15 USC 1692e -False and Misleading representation by character, amount and legal status of debt ; services rendered ; threat to take actions that legally can not be taken. Consumer demands award of XXXX dollars for violation. GROUNDS FOR IMMEDIATE DELETION Account was sold for profit which voids any original contract if XXXX existed and furthermore makes any presumption null and void on any alleged debt owed. AD ASTRA RECOVERY SERVICES reported to XXXX as if they are an original lender under lawful operations to collect a debt owed to them and furthermore violates consumer rights by way of misuse of consumer report per XXXX USC 1681b. Consumer demands award of XXXX dollars for violation as permitted by law. AD ASTRA RECOVERY SERVICES violated consumer law 15 USC 1681b ( a ) ( 2 ) by way of transfer of false information to XXXX without the consent of the consumer and in doing so violates 49 CFR subsection 801.56 Unwanted invasion of personal privacy which also violates my right to privacy which I have a right to per 15 USC 1681 ( a ) ( 4 ). Consumer demands award of XXXX dollars for violation as permitted by law. AD ASTRA RECOVERY SERVICES violated consumers rights by way of extortionate means per 18 USC 894a ( 1 ) ( 2 ). Consumer demands award of XXXX x XXXX as permitted by law. AD ASTRA RECOVERY SERVICES violated consumers rights by way of coercion by forcing an invalid contract on consumer to which consumer did not enter into with. AD ASTRA RECOVERY SERVICES. AD ASTRA RECOVERY SERVICES violated consumers rights by reporting false, invalid, unverifiable inaccurate information on consumer to XXXX knowing that it would bring harm to the consumer and in doing so violates 15 1692g ( e ) by falsely making a self determination that consumer is in admission of liability for any allegedly owed debt. AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1692j by furnishing deceptive forms by coercion that consumer owes AD ASTRA RECOVERY SERVICES anything that could possibly show a preponderance of evidence that a BONA FIDE agreement exists and shall be held liable for damages under 15 USC 1692k. Consumer demands award of XXXX dollars for violation as permitted by law. AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1682a Congressional findings and Declaration of purpose under abusive practice clause. AD ASTRA RECOVERY SERVICES violates consumers rights by violating the term debt collector per 15 USC 1692a ( 6 ) by false representation that an instrumentality of interstate commerce for Principal Purposes was valid and due for collection ; That AD ASTRA RECOVERY SERVICES is attempting to collect his or her own debt ; Or the use of an instrumentality of interstate commerce who's Principal Purpose is to enforce a security interest. AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1692c ( a ) by way of communicating with the consumer generally without prior consent, directly and indirectly by the non consensual communication of consumers XXXX Consumer Report. AD ASTRA RECOVERY SERVICES violates consumers rights by ignoring Cease and Desist letter sent by consumer to AD ASTRA RECOVERY SERVICES upon proof of validation of alleged debt. AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1692d ( Harassment and Abuse ) through use of criminal means to harm the reputation of consumer through publication ( XXXX ) without meeting the requirements of 15 USC 1681a ( f ) or 15 USC 1681b ( 3 ). AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1692d ( 4 ) by advertisment for sale of any debt to coerce payment of the debt. AD ASTRA RECOVERY SERVICES and XXXX trafficked consumers private information which violates Human trafficking laws in which consumers information was transferred and sold out for money to whoever has membership with XXXX. Consumer demands immediate award per violation as well as immediate deletion of account from All consumer reporting agencies of all platforms. Consumer reserves all rights not to be compelled to perform under any contracts or commercial agreements that consumer did not enter into knowingly, voluntarily or intentionally and furthermore consumer does not accept any liability of any compelled benefit of any unrevealed contract or commercial agreement

Company response to consumer: Closed with explanation