Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (ND)

Subject : Dispute of Inaccurate and Unauthorized Accounts on Credit Report Dear CFPB Team, I am writing to formally dispute several entries on my credit report, as these entries contain incorrect and potentially fraudulent information. Below are the details of the disputed accounts : 1. Central Portfolio Control Account Numbers : XXXX Amounts : {$960.00}, {$910.00}, {$710.00}, {$2500.00} ( same account number, listed multiple times with different amounts ) Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never utilized services from this company nor authorized the use or sharing of my personal information for debt collection purposes. My information appears to have been sold multiple times to different debt collectors without my consent. Furthermore, under 15 U.S. Code 1692c ( c ), it is stated that If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication. If this debt is valid, I request an original copy of my signature on the contract. If this can not be provided, I am asking for the immediate removal of this account from my credit report. 
2. XXXX XXXX XXXX Account Number XXXX XXXX Original Creditor : XXXX  Amount : {$120.00} ( Paid in full as of XX/XX/XXXX ) Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This account shows a zero balance and was marked as paid in full on XX/XX/XXXX. As it no longer represents an active debt, I request its removal from my credit report. 
3. XXXX XXXX XXXX Account Number : XXXX Amount : {$2800.00} Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX This account reflects an eviction balance from XXXX that was approved for payment by a rental assistance program, but the landlord proceeded with the eviction. Due to the programs closure, I lack complete payment records. I request an investigation into this matter and an adjustment of the account. If the debt is deemed correct, please provide an original signed contract. If this can not be provided, I request the removal of this account from my credit report. 
4. XXXX XXXX XXXX Account Number : XXXX Amount : {$680.00} ( Original balance : {$850.00} ) Address : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX  I did not authorize this debt to be sold to a collection agency. If the debt is valid, please provide an original signed contract. If this can not be provided, I request its immediate removal from my credit report. 

I have also wrote and attached separate communication emails to XXXX XXXX XXXX XXXX XXXX regarding an eviction balance that is preventing me from securing housing. This is urgent, as my lease is ending, and the inaccurate information is jeopardizing my familys stability. The emails showed the communication between XXXX XXXX and the original Landlord, which I now see my information was sold to a private debt collector without my knowledge, consent or signature. 

I respectfully request that these matters be investigated promptly. If any of the above debts can not be verified with an original copy of my signature, please remove the associated entries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.