Consumer complaint received 2021-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch (IN)

Complaint:
Starting back in XX/XX/XXXX I started disputing XXXX with them themselves and the credit bureaus. XXXX XXXX and XXXX  removed the XXXX account ending in XXXX. I sent a Validation of Debt letter to XXXX and it was never answered. as well as 4 other factual dispute letters to XXXX. Plus 2 other CFPB Complaints about XXXX. XXXX and XXXX. XXXX  All documents are attached to the prior complaints. On XX/XX/XXXX I was served with a law suit from Crown Asset Management , LLC. I have never heard from them before nor have they tried to make contact with me about this alleged debt. Court Summons and supporting documents attached. On the Complaint from the Summons from Crown Asset Management , LLC Paragraph 1 states the account was opened XX/XX/XXXX, This is false. Paragraph 8 says I owe {$1200.00}. This is not what XXXX is reporting. Paragraph 6 says I do not object to any errors. This is false. I have the last 6 months of paper trail through XXXX and XXXX showing I am disputing errors. They would know this if they contacted me. They delivered the summons to my house, but the summons had the wrong address on it. It's an address I have never had, never seen or knew it ever existed. And not listed on my credit report. On the affidavit of the records they say they have purchased the account from XXXX it says date opened is XX/XX/XXXX. Last payment XX/XX/XXXX. The amount owed is {$1200.00}. The charge off date says XX/XX/XXXX. All 4 of these items on the affidavit do not match my credit report with XXXX  who has Certified Verified this account with XXXX through a rigorous investigation of 6 months. The Legal Document Specialist for Crown Asset Management , LLC certified these documents as accurate XX/XX/XXXX. This was during a CFPB Investigation with XXXX  and XXXX. XXXX can not be giving out information about an account that is in dispute. I also called XXXX on XX/XX/XXXX twice and said I am disputing this account. From all the errors on the documents that Crown Asset Management , LLC is using to sue me with I do not believe they really own the debt or if they do own the debt it was sold " as is '' and the validity of the debt is not guaranteed. I believe this is gross attempt to collect a debt that either does not belong to them and or is extremely inaccurate. No real proof the debt is collectable by them. Several pieces of the documents are severely redacted, missing and illegible and contact information to verify the sale is missing. Please help me against this wrongful debt collection. I am not posting my XXXX  'XXXX  Credit report on here because I don't want Crown Asset Management , LLC to fraudulently parrot my information to use against me in Court. I also looked up their XXXX, a rating of 1. I know that this may not be important, but I'm XXXX % XXXX and live on XXXX. I could really use the help from them going after my Social Security XXXX.

Company response to consumer: Closed with explanation