Consumer complaint received 2024-01-02
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted in XXXX about a debt to a company called CKS. I had a problem with this company about 3 years ago regarding a debt. They appeared on my credit report. I had no idea who they were fought to get them finally removed from my report in XXXX. No communication was made by them to me at any point to resolve this. No payment option. No verification or anything. They just appeared on my credit report. 

In XXXX of XXXX I was served at my house by a cop. Not a process server. That seemed to be some sort of intimidation tactic. The cop had no idea what the document was about. Once I opened it and saw it was the same CKS from a few years back. I immediately wrote to the local clerk of courts and to the. Law firm for CKS to explain that the debt was not made and to provide verification of the debt. 

There was no case number, my name was typed wrong, and the address was wrong. The documents they provided showed some sort of debt. It looked legit, but I have no idea. But it no way did it show it was mine. Some random numbers and letters that could have easily been typed up as fraud. I requested to receive the verification within 30 days. I never got it. Never heard from them. I considered the case close. 

Fast forward to XXXX of this year. I received another document from the same law firm about this case. This time with a case number as part of a law suit. Again, no communication to reach out to me to verify or go over options. Just straight to lawsuit. I again sent a debt verification letter. I called the law firm on the document and they said they could not comment on this. 

I never received that request either. I never heard from anyone. I decided to look on the clerk of court website to see if there was any information about this case since I have not heard from anyone. Under the case, it looks like they have been filing motions and moving to final judgement. How could that be if I never heard back from someone. And I never got the verification of the debt. 

This company remains off of my credit report. Theyve done one shady thing after another. Theyve completely ignored my request. Theyve completely ignored the fact that I am the victim of identity theft. If this debt is even real, my guess is that has something to do with it. 

If this is some old debt that i forgot about. That is from a company that changed names multiple times then that should be explained too. Id be more than happy to set up an affordable payment plan if that is the case. However, I would still need complete documents of where this debt came from. How old is it. Is it past the statute of limitations on collection. But I dont believe that is the case. This is either fraud/ID theft, they have the wrong person, or this debt is simply not real. 

I am asking CKs Invesment and O @ L law firm to provide the information I am requesting. If they can not provide that, then I am going to assume they dont actually have proof that the debt is mine and the case close.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation