Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CONGRESS COLLECTION CORP (MI)

Date of Collection Reported on my account : XX/XX/XXXX Collection Agency Name : Congress Collections On XX/XX/XXXX, Congress Collection added a derogatory on my credit report. Upon, further research and reaching out to XXXX XXXX ( the original lender ) to try and resolve the derogatory mark listed on XXXX, they informed me that the account was transferred/sold and I am no longer responsible for the account. 

In XXXX, I received hundreds of calls throughout the year, as Congress Collections continued to harass and call my phone several times a day, day after day, month after month. They informed me if the bill was not paid they would remove it from my bank accounts. I spoke to a consultant and even though they could not prove the debt was mine they insisted that the debt needed to be collected on behalf of the original lender who informed me I was no longer responsible as the debt was purchased by a third party. 

They suddenly stopped calling me at the end of XXXX and over the years I realized the Collection agency has violated my rights by refraining from sending me up to date payments and there was no formal agreement stating the debt belongs to me. Congress Collections has failed to provide me with proof of payments, balance proof, copy of any payment agreement they claim I made, and failed to provide me with proof regarding statue of limitations. Debtor 's did not verify this collection as there was NO written form of communication, contract, or signature for this accused debt from the start. A bill without a signature does not validate the debt and nobody can send a bill and say it belongs to me. 

According to FCRA and the Fair Debt Collection Practices Act ( FDCPA ), Congress Collection has violated my rights as a consumer ( LISTED BELOW ), and I am requesting legal action to remove this account immediately off my report. Congress Collections have no reached out to me in over a year and a half regarding his collection they keep reporting. 


Debt collectors must abide by state and federal laws in the United States. The Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides me with many rights to ensure that collection agencies dont take advantage of me as well. In particular congress collection has violated my rights according the FCRA and FDCPA : 1. It is a violation of federal law for Congress Collection to report inaccurate or incomplete information on my credit report.

2. I have a legal right to request debt validation on an alleged debt. Congress collection agency refused to provide me with a debt validation letter. By law, they have 30 days to prove to me that the debt is really mine and the total amount is accurate, which they failed to do as I have no paperwork or emails regarding this account.

3. Congress Collection may not threaten or harass me, call me repeatedly, swear at me, or publicly publish a list of debtors, which they did. 

4. Congress Collection must be honest about who they are and what they are attempting to do. They must notify me that they are a debt collection agency both orally and in writing. 

5. Congress Collection can not threaten to have me arrested or imprisoned over unpaid debts.