Consumer complaint received 2017-08-30
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Creditor : Common Wealth Financial Service Credit Bureau : XXXX Re : Acct # XXXX To whom it may concern : Common Wealth Financial System placed an error on my credit report. CWFS falsely dated that I recently opened an account with the creditor 1 month ago and i do n't recall receiving a phone call from another creditor or a credit bureau to sign up for a new account. The credit bureau XXXX refused to attempt a thorough investigation with my credit profile to correct this error. I gave both XXXX and CWFS enough time to correct this error but both companies refuse to investigate. If you look at the date it shows in the attachments they falsely placed a date on my profile saying that I owe {$520.00} on account in XX/XX/XXXX, and in 1 month the account was placed on my credit profile as a derogatory Collections account. I have contacted them several months ago attempting to remove the account and advising them not to sell the account to no other creditors. If I see any accounts placed on my credit in the future I will file for a lawsuit against XXXX, Common Wealth Financial System, and any company attempting to collect a debt from me. 
This letter is in response to your recent claim regarding Acct # XXXX, which you claim My account was charged off {$520.00}. 
Yet again, you have failed to provide me with a copy of any accounting records on the debt. that you are accusing me of owing. Are you aware that 's it 's illegal Given that I believe you are acting in bad faith, and have not complied with federal and state laws, I have filed a Small Claims lawsuit against you. I am aware of my rights and the statue of limitations in my state as a borrower. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. According to The Consumer Credit Act of XX/XX/XXXX it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. I have maintained careful records of your actions, and you are now required to appear at : XXXX County Courthouse, XXXX XXXX. XXXX XXXX XXXX, Florida XXXX on XX/XX/XXXX I am seeking {$3000.00} in damages for : 1. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 2. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Prior to our court date on XX/XX/XXXX if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation