Consumer complaint received 2022-07-01
Company: Colony Brands, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against SWISS COLONY in response to my previous CFPB COMPLAINT # XXXX. In my previous request I stated that SWISS COLONY stated " Given that XXXX XXXX settled her account in XXXX of XXXX  with the third party collector that was handling her account, The Swiss Colony believes she has acknowledged the validity of the debt. '' SWISS COLONY also stated ". SWISS COLONY stated that they are the original creditor and that I paid the third party collector. Who is the third party because SWISS COLONY has stated more then once " to the complaint is not applicable to creditors collecting their own debts '' SO SWISS COLONY HAS STATED THAT I PAID A THIRD PARTY WHEN I HAVE NO KNOWLEDGE OF WHO THE THIRD PARTY IS.SWISS COLONY HAS STATED THAT IS NOT APPLICABLE TO CREDITORS COLLECTING THIER OWN DEBTS '' This is in reference to my requesting a validation of debt. SWISS COLONY stated in the recent response from CFPB # XXXX AGAIN XXXX ( g ) of the FAIR DEBT COLLECTION PRACTICES ACT which once again, does not govern the activities of creditors collecting their own debt. Again I ask if SWISS COLONY collects their own debt WHO is this third party you claim I paid? SWISS COLONY also stated " a request for validation under that section must be delivered in writing to the collection agency within 30 days of the receipt of the first communication regarding debt. There is no statute of limitations when requesting validation of debt. SWISS COLONY STATED THAT XXXX XXXX ACCOUNT WAS CHARGED OFF AS FRAUD AND REFERRED TO COLLECTION AGENCY. SO SWISS COLONY HAS STATED THAT THEY ARE THE ORIGINAL CREDITOR AND THEY COLLECT THEIR OWN DEBT, SWISS COLONY THEN STATED THAT I PAID OFF A THIRD PARTY, THEN SWISS COLONY STATED THAT THIS ACCOUNT WAS CHARGED OFF AS FRAUD AND REFERRED TO A COLLECTION AGENCY. SWISS COLONY STATED '' MY LETTER WAS ADDRESS TO THE SWISS COLONY NOT THE AGENCY. I STILL DONT KNOW WHO THIS AGENCY IS. WAIT SWISS COLONY ALSO STATED " THAT THE DEBT WAS SETTLED BY PAYMENT OF LESS THAN THE FULL BALANCE OWED. SWISS COLONY ALSO STATED '' THAT SETTLING A DEBT DOES NOT CASUE THE PAYMENT HISTORY AND OTHER INFORMATION REGARDING THE DEBT TO DISAPPEAR FROM A CONSUMER CREDIT REPORT. SWISS COLONY ALSO STATED " THE INFORMATION REGARDING THE ACCONT WILL REMAIN ON A CONSUMER REPORTING AGENCIES, USING THE GUIDANCE PROVIDED IN THE FAIR CREDIT REPORTING ACT. PLEASE PROVIDE ME WITH THIS GUIDANCE. SO SWISS COLONY STATED THEY PLAN TO CONTINUE TO REPORT THIS NEGATIVE FRAUDULENT FURNISH ACCOUNT ON MY CONSUMER REPORT AFTER THEY STATED THAT ITS BEEN PAID, CHARGED OFF DUE TO FRAUD AND THAT THE DEBT WAS SETTLED BY PAYMENT. I WILL FILE LITIGATION FOR ACTUAL DAMAGES CAUSED BY SWISS COLONY AND WILL BE HELD CRIMINALLY LIABLE FOR DEFAMATION OF CHARACTER. I PLAN TO FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE XXXX. I HAVE ATTACHED A COPY OF SCREENSHOT OF SWISS COLONY REPORTING NEGATIVELY ON MY CONSUMER REPORT EVER THEY HAVE STATED THE ACCOUNT WAS PAID OFF, CHARGED OFF AND SETTLED. SWISS COLONY IS REPORTING THIS account with forethought and malice as an attempt to bring harm to me and my financial reputation.

Company response to consumer: Closed with explanation