Consumer complaint received 2016-09-04
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The following " Items '' was disputed with the Credit Reporting Agency ( s ) it came back has being verified. These Item is identified as # XXXX which were reported on XX/XX/2016 and said to have been Assigned on XX/XX/2016, they are Items not Accounts, from my belief. These Items have no Consumer Protection Law right to be reported on my private consumer credit report. Nor have your agency been given any Direct Prior Consent to " Communicate, 1692a ( 2 ) '' any information regarding me to anyone by any means. You have violated me and the Consumer Protection Laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et al and have pretended to be able to verified an item as an account which your agency have not been given my Direct Prior Consent to Be in possession of any information about me whether it be an Item, an account or an debt I created. 

If the Items mentioned above are actual Accounts, opened by your agency, they were open without my Direct Prior Consent using my private nonpublic information to extend my consumer credit. These accounts are to be closed and the Principal and any interest in these accounts be returned to me the Initial Creditor, creator, owner and beneficiary of all funds these accounts contain. 

I am a Consumer as defined in Section 1692a ( 3 ) of the FDCPA. 
You are a Debt Collector as defined in section 1692a ( 6 ) of the FDCPA. 

You will remove these items off my private credit report immediately and send notice, to me, that they have been removed within 5 days. 

Without limiting the many violations you have committed, including Aggravated Identity Theft, unlawful possession and misuse of my Social Security Number, misrepresenting my character, taking unlawful actions, putting my ability to be a consumer into involuntary servitude, Using obscene profane abusive language by communicating this information on my Private Credit File, etc. 

The following sections along with other sections and other laws have been violated : 1. You violated 1692c of the FDCPA. 
2. You violated 1692e of the FDCPA. 
3. Constitutional Violations, specifically 14th and 13th Amendments and 1692d of the FDCPA. 
4. You violated 1692j of the FDCPA, etc. 

In case you and Your Agency attempt to further violate me and the FDCPA by deciding to deceptively focus solely on the choice I chose to answer the CFPB question of " Which of these best describes your issue? ", my answer being " Communication tactics '' and " Used obscene, profane or other abusive language '' I will remind you of the meaning of the term " Communication '' in the FDCPA or 15 USC 1692a ( 2 ) as it relates to 1692d of the FDCPA. 

" The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' So do not attempt to further violate Me and the Consumer Protection Laws by attempting limit " Communication '' to mere phone calls. Your communication, of the information that is now on my Private Credit File, to the Credit Reporting Agency is a form of communication by whatever medium used and all those information communicated by your Agency CBE Group to the Credit Reporting Agencies, seen and read by me and by others whom I engage for the extension of my consumer credit, are obscene, profane and abusive language to Me the Consumer. Which are violations along with the other violation mentioned in this Claim.

Company response to consumer: Closed with explanation