Consumer complaint received 2021-08-05
Company: Tromberg, Morris & Poulin, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am the consumer in fact, natural person, original creditor, lender, executor. 

I received a letter from Tromberg, Morris, Poulin, PLLC. This letter was received by me on XX/XX/2021 with a date that it was written of XX/XX/2021 on it. Pursuant to 15 USC 1692e - False or misleading representation. The letterhead states it is a law firm, but the moment they decided to represent a collection agency, they became an agent to XXXX. According to the FCRA ( Fair Credit Reporting Act ) and TILA ( Truth In Lending Act ) they have violated multiple law. I listed them in my affidavit of truth, which was notarized when I sent this package. 
Not only did they violate the laws that I listed which are : Pursuant to 15 USC 1692c ( a ) Communication with the consumer generally was not given to you by me.

Pursuant to 15 USC 1692c ( b ) Communication with third parties I did not give you consent to contact me.

Pursuant to 15 USC 1692j ( a ) It is unlawful to compile a form in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Pursuant to 15 USC 1692g ( c ) ADMISSION OF LIABILITY The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Pursuant to 15 USC 1692i ( b ) AUTHORIZATION OF ACTIONS - Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 
Pursuant to 15 USC 1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another I WOULD LIKE TO ADD A FEW VIOLATIONS THAT WERE NOT LISTED ON MY INVOICE : Pursuant to 15 USC 1692e - False or misleading representation. The letterhead states it is a law firm, but the moment they decided to represent a collection agency, they became an agent to XXXX Pursuant to 15 USC 1692e ( 3 ) - The false representation or implication that any individual is an attorney or that any communication is from an attorney. According to 15 USC 1692a ( 6 ) you became a debt collector once you took the job to try and collect an alleged debt on there behalf.

Pursuant to 15 USC 1681a ( e ) there was no investigation that was completed. According to 15 USC 1681a ( e ) the definition of a investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Pursuant to 15 USC 1681n, I will hold you civilly responsible for this matter.

Another invoice has been mailed out to you to cover the last 3 violations that I have mentioned above.

I then received paperwork to go to court for this matter, which I have attached to this complaint.

Pursuant to 15 USC 1692 I am the consumer and I do not owe any debt because I am the consumer and I am not obligated to pay. I am an administer agent Pursuant to 15 USC 1602o, I do not own the SS #, which by definition of the congressional findings is a credit card, it belongs to the SS Administration and I will have to give it back at there request. I am just an administering agent and I don't own any debt attached to it Pursuant 18 USC 8.

I listed 4 violations on my invoice, but since the letter has arrived there have 2 been other violations and I demand this to be resolved. I demand that this tradeline be removed from all 3 credit report agencies. I demand that the invoice ( s ) be paid by the due date that is listed in it which is XX/XX/2021 and that a letter is sent to confirm that all of these matters have been taken care of.

Company response to consumer: Closed with explanation