Consumer complaint received 2024-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (OR)

Here is a copy of a letter I have mailed to ConServe, the debt collector... 

ConServe XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Cease and Desist Collection Efforts for Debt Not Owed by Me Dear ConServe, I am writing to demand the immediate cessation of all collection activities regarding the debt allegedly owed by a person with the same name as mine. According to Oregon law, your actions are not only misguided but also unlawful and constitute a violation of my consumer rights under the Oregon Unlawful Debt Collection Practices Act ( ORS 646.639 ) and the recently enacted Family Financial Protection Act ( FFPA ). 
To reiterate : XXXX. Misidentification : The debt you are attempting to collect does not belong to me. Your collection letters refer to a home address where I have never resided, indicating a clear case of mistaken identity. Pursuing the wrong individual is a direct violation of ORS 646.639 ( 2 ) ( n ), which prohibits debt collectors from attempting to collect from someone who does not owe the debt. 
XXXX. Inaccurate Claims of Prior Communication : All three of your collection letters falsely state, " Enclosed you will find a copy of the information that you had previously requested. '' I have made no such request and have never had any prior communications with your agency. This false assertion is deceptive and further compounds the distress caused by your unlawful collection attempts. 
XXXX. Required Verification : As per ORS 646.639, you are obligated to provide detailed verification of the debt upon request, including the original creditors name, the amount owed, and proof that the debt is indeed mine. Failure to provide this information prior to attempting to collect is illegal ( ORS 646.639 ( 4 ) ). 
XXXX. Lack of Oregon-Specific Information : Each of your letters included " notifications to consumers '' about their rights in multiple states but failed to include any information related to Oregon. This omission violates Oregon 's requirement for debt collectors to provide consumers with specific details about their rights under state law ( ORS 646.639 ). 
XXXX. Immediate Harm and Legal Action : Your continuous and erroneous attempts to collect this debt are causing significant distress and are damaging my credit. Under the FFPA, I am entitled to protections from such abusive practices, including an extended statute of limitations to file complaints and protections against unwarranted legal fees ( FFPA, 2024 ). 
XXXX. Cease and Desist : I hereby demand that you cease all further communications with me regarding this matter. Any future contact will be considered harassment, and I will not hesitate to take legal action against your agency, including filing complaints with the Oregon Department of Justice and pursuing compensation for damages caused by your unlawful practices. 
This letter serves as official notice that you must : Immediately cease all collection efforts and remove any negative reporting from my credit file related to this debt. 
Provide written confirmation within 10 days that your records have been corrected and that you will no longer pursue this debt against me. 
Failure to comply with this demand will result in immediate legal action. 

Sincerely, XXXX