Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (KS)

This is a follow-up complaint, to the two prior complaints, I filed against this same company, Central States Recovery of XXXX, KS. The record will also show that on Fri, XX/XX/XXXX, the office of the CFPB, and I, spoke in detail after I received CSR 's second feedback which is full of fabricated lies. It was reassuring to me, that the CFPB did take notice of CSR 's blatant contradictions in their two feedback statements. In addition, the CFPB reaffirmed to me that they, CSR, are in fact, in violation of several Federal Laws, i.e., the FCRA and FDCPA. CSR 's lies are, in part, their way of trying to deflect away from their legal obligations under these Federal Laws. CSR/XXXX  has absolutely no evidence to support their claim that " I '' told them to " cease and desist '' in an earlier voicemail. It doesn't exist! Those were XXXX XXXX words to me, back on Mon, XX/XX/XXXX, shortly after XXXX, when we spoke. I had to call her on that Mon, because I never received the letter in the mail from her that she claimed she was going to mail to me on Fri, XX/XX/XXXX, to include the confirmation that their error was removed from my XXXX  report. I have no idea what they have done further to my XXXX  file, because I have been locked out of it since Sat, XX/XX/XXXX. During that call on XX/XX/XXXX, when I indicated this to XXXX, as well as why there wasn't any letter, as well as the removal of the error, that's when she told me that XXXX  had issued her a " cease and desist '' order. If it's her statement in the second feedback, XXXX is taking her own statement she made to me on Mon. XX/XX/XXXX, and twisting it to serve as a deflection away from her/their lies, as indicate in her/their second feedback statement. You could also tell by the way the second feedback was written that the person who wrote it, possibly XXXX herself, was rattled. Again, I'm glad to see that the CFPB conquered this with me. I'm also glad to learn that the credit bureau 's never issue " cease and desist '' orders to collection agencies, when they are trying to correct errors, especially their own. Collection agencies have contracts with the credit bureaus, which in part, includes secure log-ons, to conduct business in a timely and secure manner. 

I have been in contact with the XXXX and other legal authorities about CSR, and in doing so, became away of dozens of claims made against this very same company, using the very same illegal tactics. With their help, I was directed to the PACER Website ( Public Access to Electronic Court Records ), which describes in further detail the legal actions taken against CSR, for using the same tactics with other victims. We are packaging this material, and sending it to the legal entities that have asked for it. 

In summation, because they have refused to correct their error, my credit has now been damaged. My scores have dropped me from Excellent to Good, and lenders I had been working with for a mortgage and auto loan, have told me that I can't move forward until this matter is cleared up. All the while, I potentially could lose out on lower interest rates, the property I wish to purchase, and the specific vehicle I need that is now in dealer inventory. Never mind the over 30 hours of calling, writing, researching, etc, and the unnecessary stress that goes with this. All because of a clerks error at XXXX XXXX XXXX   XXXX, KS, and the refusal of CSR of XXXX, KS to correct their error. In the end, it just adds to the punitive damages.