Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: R & B Corporation of Virginia (VA)

On XX/XX/XXXX I sent Credit Control Corporation a correspondence requesting in good faith validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) disclosures and you have failed to provide them so let me be specifically clear as to what I am requesting you have certain obligations under the FCRA 15 USC 1681 and GLBA 15 USC 6801 and 6802. Credit Control Corporation responded : The consumer did not file an FDCPA dispute or request for validation within the allotted validation period ; see 809 ( a ) ( 4 ) of the Fair Debt Collections Practices Act ( FDCPA ). CCC is no longer obligated to validate the debt. The status of the related tradeline ( s ) has been amended to " disputed ''. XXXX XXXX to this argument through the XXXX XXXX XXXX  : I am rejecting this response because : According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the 'RIGHT ' to dispute a debt and request validation from a debt collector. Section 809 ( a ) ( 4 ) of the FDCPA states that within five days after the initial communication about the debt, the debt collector should provide the consumer with certain information including the amount of the debt, the name of the creditor, and a statement notifying the consumer of their right to dispute the debt. To take advantage of this right, it is generally 'RECOMMENDED ' that consumers file a dispute or request for validation within 30 days of receiving the initial communication from the debt collector. This is known as the " validation period ''. However, it is important to note that the FDCPA 'DOES NOT explicitly STATE ' the consumer " MUST '' file a dispute or request for validation within this time frame. The 30-day period exists to ensure that consumers have an adequate opportunity to exercise their rights under the FDCPA, but it's 'NOT an absolute REQUIREMENT '. 'Consumers still have rights to dispute a debt and request validation even if this time frame has passed '. Credit Control Corporation you are clearly breaking Federal Law and violating my rights as a consumer. 

NEXT : Credit Control Corporation Stated : The consumer submitted a dispute letter whose verbiage is consistent with those of a XXXX XXXX XXXX ( CRO ) who makes demands for information not required under FDCPA or FCRA statutes, alleges inaccurate violations or violations not applicable to debt collectors. Additionally, the letter included a cease communication request for the specific account listed in the complaint and which we have complied with. There will be no further attempts to contact the consumer regarding this account. 
XXXX XXXX : Credit Control had called me at XXXX on XX/XX/XXXX from phone number XXXX and I did not answer. I had asked them to cease communication. 

On XX/XX/XXXX I requested Credit Control Corporation to provide me the signed contract agreement between Credit Control Corporation and XXXX XXXX that specifies I owe this alleged debt solely to Credit Control Corporation. I did not receive a response. 

XX/XX/XXXX I mailed a certified letter to Credit Control Corporation regarding the Violation of the No Surprise Act and requested they delete this fraudulent account. 

This account is currently reporting on my XXXX, XXXX, and XXXX credit reports. 
Further, Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is aggravated identity theft. There must be permissible purpose. I did not give permission for Credit Control Corporation to report this or any account on my consumer credit reports. This is also violation of my consumer rights and causing me mental anguish, inability to obtain credit, unable to obtain other employment, and is putting a blemish on my United States Security Clearance as a US Department of Defense Public Service Member Employee. 
This is my final demand to the furnisher to delete this invalid collection account from my credit reports. The Credit Control Corporation has failed to show me a signed contract agreement displaying the alleged amount between Credit Control Corporation the furnisher, and myself XXXX XXXX the Consumer and will proceed with legal action and sue for damages against Credit Control Corporation.