Consumer complaint received 2017-08-21
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to address that a file being placed on XXXX/XXXX/XXXX is incorrect. They stated the sent notice as well on XXXX/XXXX/XXXX which is also incorrect. I have went ahead and have filed civil suit against Credit Management Control in XXXX XXXX, TX for violating FDCPA laws and FCRA. All items that were requested in my previous statement to the CFPB is request for full validation. I would like to remind this collector that by not completely sending all items requested constitutes invalidation of an account. Texas Attorney General also states that items if requested must be provided in its entirety. Also if this collection agency is not bonded in Texas to collect alleged debts, they are in violation of Texas statutes. Letter of bonding from the Texas Secretary of State dated before XXXX/XXXX/XXXX is also hereby requested with other documents requested. If this can not be provided than any alleged debt is considered invalid and damages will be claimed against collection agency. Alleged debtor never resided at any address associated with XXXX XXXX XXXX XXXX XXXX XXXX. The FDCPA and FCRA laws are very specific in which they state providing itemized bills/state meets are not valid proof of debt. Also matching information is also not valid proof ofor debt. Please send all 15 items requested in previous complaint. Also federal law does provide that request filed via mail, fax or government regulated portals such as the CFPB complaint portal are indeed appropriate request. No further request are needed. If this account is sold, transferred or reinserted on credit file with any of the credit bureaus, that will constitute fraud. Be very clear, at no time did CMC try to validate or give me the right to dispute. Therefore, the law was broken. They can not after the fact come to try and rectify this issue or do what the law required them to do in the first place. My desired resolution still stands and is non-negotiable. I will print CMC response to my complaint to be included in my petition for suit. If this account reappears with any credit bureau on XXXX/XXXX/XXXX or at anytime, I will then contact the attorney general and OCCC office to file complaint in which relief will be requested from CMC bonding agent. What this agency has done, is doing currently, and threaten to do is illegal and violates Texas and federal laws set in place to protect consumers. Furthermore, in addition to one account they have placed 2 accounts on my credit reports. No notice was sent for the first account about them re-inserting ( rebucketing ) the account back on my credit report. The second account, they neither sent notice dispute validity nor did they send notice of collection. CMC has not proved proof of validation they used to determine these debts are mine which the law requires them to do.

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