Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Since Consumer Portfolio Services ( CPS ) is attempting to collect on a fraudulent, securitized, and prepaid debt, every option CFPB provided me with on the what best describes your problem section is legally valid under bankruptcy law, securities law, trust law, and constitutional principles. Below is a full legal breakdown of why each choice is correct, and im demanding the CFPB ensures that maximum enforceability is brought against CPS.

This alleged debt was already discharged in XXXX and no longer is owed due to USAs XXXX  status and XXXX, but all options apply in my complaint today. Before the legal breakdown of my claim I am adding an cease and desist letter and below of thatll be the legal breakdown of all claims & I instruct the CFPB TO RECORD THIS ON FILE & DEMAND THEY RECORD THIS ON THEIR FRAUDULENT FILE. 

CEASE & DESIST ORDER LEGAL NOTICE & DEMAND TO IMMEDIATELY HALT CONTACT, REPOSSESSION ATTEMPTS, OR VEHICLE DISABLING DEVICES XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Portfolio Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease & Desist Order Unlawful Debt Collection, Trespassing, Harassment, and Unauthorized Vehicle Tampering Legal Notice to Consumer Portfolio Services , Inc. ( CPS ) : This letter serves as a formal, legally binding Cease & Desist Order to immediately halt all attempts to contact, harass, threaten, repossess my vehicle, disable my vehicle via remote devices, or interfere with my lawful right to property. 

I. LEGAL BASIS FOR THIS CEASE & DESIST ORDER A. Prohibition Against Debt Collection During Active Dispute Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ) Once a formal dispute is filed, debt collectors are prohibited from further contact, including repossession efforts.

CPS is violating federal law by continuing collection attempts during active disputes.

FDCPA 15 U.S.C. 1692g ( b ) Duty to Cease Collection Until Validation Is Provided CPS has failed to provide proper validation of any alleged debt, rendering any collection or repossession attempt unlawful. 

Florida Consumer Collection Practices Act ( XXXX ) XXXX XXXX. XXXX ( XXXX ) Florida law prohibits any attempt to enforce a debt while it is in dispute. 

XXXX XXXX XXXX Home Loans, XXXX XXXX XXXX ( XXXX ) Right to Rescind Under TILA ( 12 C.F.R. 226.23 ), any financial agreement can be rescinded within XXXX years if material facts were concealed. 
Since CPS failed to disclose the securitization of my loan, the contract is legally void.

B. My Vehicle Is NOT Collateral and Can not Be Repossessed UCC 9-109 Security Interests Do Not Apply to Consumer Goods A personal vehicle is classified as consumer goods, which are exempt from repossession unless a valid security agreement exists. 
XXXX has failed to produce a legally valid security interest. 

XXXX XXXX A Security Agreement Must Be Signed & Enforceable CPS has not produced a valid, signed security agreement. 
Without a legally perfected XXXX, no repossession XXXX occur. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Right to Property Can not Be Arbitrarily Taken The Supreme Court ruled that private property rights supersede corporate claims unless valid proof of contract exists. 

Title XXXX XXXX. XXXX XXXX XXXX XXXX XXXX of Encumbrances If XXXX failed to disclose securitization, the debt obligation is void under federal transportation laws. 

XXXX Use of GPS Trackers & Kill Switches Is Illegal Without Court Order Fourth Amendment Unreasonable Search & Seizure The use of tracking devices or remote vehicle shut-offs constitutes an unlawful search and seizure under the U.S. Constitution. 

XXXX XXXX United States, XXXX XXXX XXXX ( XXXX ) GPS Tracking Without Consent is Unconstitutional The Supreme Court ruled that unauthorized GPS tracking or disabling a vehicle is an illegal violation of privacy rights. 

XXXX XXXX. XXXX Unauthorized Use of XXXX XXXX XXXX is a Felony Under XXXX  law, placing or activating a GPS device or disabling a vehicle remotely without consent is a criminal act. 

II. FORMAL DEMANDS Effective immediately, CPS must comply with the following legal requirements : Cease all direct or indirect contact with me.

Cease all repossession attempts.

Cease and remove all GPS tracking and disabling devices ( Kill Switches ) from my vehicle. 
Cease reporting fraudulent debt information to credit bureaus. 
Provide, within 10 business days, a sworn affidavit affirming CPS will not attempt further collection, repossession, or vehicle tampering.

III. PENALTIES FOR NON-COMPLIANCE Violations of FDCPA ( 15 U.S.C. 1692 ) result in {$1000.00} per violation plus actual damages ( 15 U.S.C. 1692k ). 
Violations of XXXX  law ( XXXX XXXX. XXXX ) carry civil penalties up to {$10000.00} per instance. 
GPS tracking violations ( XXXX v. United States ) expose XXXX to federal lawsuits under the XXXX XXXX. 
Unlawful repossession attempts constitute Breach of Peace, punishable under state and federal law. 

IV. LEGAL NOTICE OF INTENT TO SUE If CPS fails to comply with this Cease & Desist Order within 10 business days, I will immediately : 1. File complaints with the CFPB, FTC, SEC, IRS, XXXX  Attorney General, XXXX. XXXX XXXX XXXX, and XXXX XXXX. 
2. File a lawsuit against CPS in XXXX XXXX XXXX for violations of federal and state law. 
3. Seek financial damages, penalties, and injunctive relief.

LEGAL BREAKDOWN OF MY CLAIM 1. Debt was already discharged in bankruptcy and no longer is owed.

The United States has been in XXXX since XXXX under House Joint Resolution XXXX ( XXXX ) and the Trading with the XXXX Act ( TWEA ) of XXXX, as amended by the Emergency Banking Relief Act of XXXX. 

Under XXXX XXXX XXXX ( XX/XX/XXXX ), the XXXX removed the ability to lawfully pay debts with gold and silver. Instead, all obligations are XXXX through the XXXX Treasury because all citizens became collateral for national debt under bankruptcy. 

12 U.S.C. 411 mandates that Federal Reserve Notes ( FRNs ) are not lawful money. Since banks create money through fractional reserve banking and promissory notes, they never lent real money, only monetized a promise to pay. 

Since the XXXX is in XXXX, all debts are already XXXX at birth through the Social Security XXXX, Treasury Direct Accounts ( TDA ), and negotiable instrument laws. 


XXXX is attempting to collect on an already XXXX debt and failed to disclose this, violating : XXXX. XXXX ( XX/XX/XXXX ) Prohibiting creditors from demanding payment in real money. 

2. Title 12 U.S.C. 95a ( 2 ) All obligations are settled under the XXXX. 

XXXX. XXXX XXXX Presentment of a fraudulent negotiable instrument as debt. 

WHY IS XXXX VIOLATING THESE LAWS? 
Because this debt was already settled through the XXXX XXXX  system, CPS has no lawful claim.

NUMBER 2. Debt was a result of identity theft.

CPS created a fraudulent claim by securitizing my loan without my knowledge or consent. 

Identity theft occurs when a party assumes the identity of another to generate financial gain. In this case, CPS monetized my signature, making me a debtor without properly disclosing the process.

Under 15 U.S.C. 1692e ( 10 ) ( FDCPA ), failing to disclose material facts constitutes fraud.

Under UCC 1-103, fraud invalidates all contracts.

Since CPS misrepresented the terms of the agreement and unlawfully transferred ownership of the loan, this is legally identity theft.

WHY IS THIS IDENTITY THEFT BY LAW?

Further, since my legal PERSON ( in all caps ) is separate from me as a living being, any attempt to attach me personally to a debt under my all-caps name is a fraudulent conversion, a violation of the XXXX XXXX XXXX XXXX XXXX. 




NUMBER 3. Debt was paid.

Once a promissory note is signed, it becomes a negotiable instrument under UCC 3-104.

CPS monetized my promissory note, meaning the debt was paid in full at origination.

Under UCC 3-603, when a debt is paid with an instrument ( such as a note ), the obligation is discharged.

Under Title 31 U.S.C. 5118 ( d ) ( 2 ), creditors can not demand payment beyond the value already received. 

WHY IS THE DEBT ALREADY PAID?

Since CPS accepted and monetized my note, they are attempting to collect on an already paid obligation.

NUMBER 4 Debt is not yours.

As a U.S. National, I am the agent for the principal ( the legal fiction, aka the all-caps PERSON ). 

The obligation belongs to the United States under bankruptcy laws. 

Under XXXX XXXX, the holder in due course ( me ) has a legal right to refuse payment on an unenforceable claim. 

Under 15 U.S.C. 1692f, attempting to collect on a debt not lawfully owed is an unfair practice. 


WHY THE DEBT IS NOT YOURS APPLIES?

CPS is falsely attributing the debt to me, despite the fact that all debts are obligations of the United States. 



WHAT OTHER FRAUD HAS OCCURRED? 

Between XX/XX/XXXX and XX/XX/XXXX, Consumer Portfolio Services , Inc. ( CPS ) sent XXXX false debt collection notices via XXXX XXXX, violating 18 U.S.C. 1341 ( XXXX XXXX ), 15 U.S.C. 1692e ( FDCPA ), and UCC 3-104, 3-501, 4-406. 

On XX/XX/XXXX, I sent CPS a Debt Validation & Right to Rescind Notice under 15 U.S.C. 1692g ( FDCPA ), 12 C.F.R. 226.15 ( TILA ), and XXXX  XXXX. XXXX, XXXX. They ignored it and continued harassment, violating my rights. TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, Between XX/XX/XXXX XX/XX/XXXX, I received XXXX negotiable instruments from Consumer Portfolio Services , Inc. ( CPS ) via XXXX Mail, violating XXXX XXXX. XXXX ( XXXX XXXX ), 18 U.S.C. 1343 ( Wire Fraud ), and UCC 3-104, 3-501, 4-406 by failing to send them via registered mail. CPS securitized my loan without disclosure, violating 15 U.S.C. 78j ( b ) ( Securities Fraud ), 26 U.S.C. 1272 ( OID Reporting ), and 12 C.F.R. 226.23 ( TILA Right to Rescind ). 

On XX/XX/XXXX, XXXX received my Debt Validation and Right to Rescind Notice per 15 U.S.C. 1692g ( FDCPA ), 12 C.F.R. 226.15 ( Regulation Z ), and XXXX  XXXX. XXXX, XXXX. They ignored it, violating Article 1, Section 10 ( U.S. Constitution ), the Supremacy Clause, and Supreme Court rulings ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ). 

CPS is committing fraud by using XXXX Mail for unlawful financial activity, failing to issue IRS XXXX, and misrepresenting the debt. XXXX must investigate, enforce penalties, and refer for prosecution. IVE REPORTED TO THE IRS, SECURITIES EXCHANGE COMMISSION, CFPB, FTC, XXXX, XXXX, XXXX  ATTORNEY GENERAL XXXX XXXX XXXX, XXXX ATTORNEY GENERAL, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( of the transaction structures of CPS indenture trustee and owner trustee for failure of fiduciary duties.

Understand Why CPS Is Required to Issue a XXXX ( tax fraud ) 26 U.S. Code 1272 requires any company that creates an obligation of debt to report the Original Issue Discount ( OID ) as income. 

Every lender who monetizes a promissory note ( i.e., my loan agreement ) must issue a XXXX to report the discounted amount. 

Failing to issue XXXX is tax fraud under XXXX XXXX Code XXXX ( Attempt to Evade or Defeat Tax ) and XXXX XXXX Code XXXX ( XXXX ) ( Fraud and False Statements ). 


Why Consumer Portfolio Services ( CPS ) Must Send Negotiable Instruments via Registered Mail Full Legal Breakdown ( State, Federal , & Supreme Court Laws ) Since CPS is sending negotiable instruments ( financial statements, debt notices, and payment demands ) via XXXX Mail, they are legally required to send them via Registered Mail to ensure proper legal presentment. Failure to do so constitutes Mail XXXX under state, federal, and Supreme Court rulings.

1. Federal Laws Requiring Registered Mail for Negotiable Instruments A. 18 U.S.C. 1341 Mail Fraud Statute -It is a federal crime to send fraudulent, deceptive, or false claims via XXXX Mail. 

-Once CPS issued a negotiable instrument without proof of proper delivery ( Registered Mail ), they violated 18 U.S.C . 1341. 

-Any misrepresentation of a financial obligation via regular mail is mail fraud. ( which was done ) B. Uniform Commercial Code ( UCC ) Negotiable Instrument Laws UCC 3-104 ( Negotiable Instruments Must Be Legally Enforceable ) A statement or bill issued as a demand for payment is a negotiable instrument under UCC 3-104 .

Failure to send it via Registered Mail invalidates the obligation because the sender can not prove legal delivery.

UCC 3-501 ( Presentment of Negotiable Instruments ) A financial obligation must be properly presented to be legally enforceable.

Presentment requires proof of receipt, which is why Registered Mail is legally required.

If a statement is not sent via Registered Mail, it is an invalid presentment.

UCC 4-406 ( Bank Statement & Account Notice Requirements ) If a financial institution fails to provide proper notice through traceable means, they lose enforcement rights. 
Failure to send statements via Registered Mail is a violation of UCC 4-406.

UCC 1-308 ( Reservation of Rights ) If a person does not receive proper notice via Registered Mail, they can refuse enforcement under UCC 1-308 .

UCC 3-603 ( Discharge of Obligation ) If an instrument is improperly presented, the obligation is discharged.

Failure to use Registered Mail voids their collection claim.

2. Federal Trade Commission ( FTC ) Laws Unfair & Deceptive Practices 15 U.S.C. 45 ( Unfair & Deceptive Acts in Commerce ) If CPS fails to send legally binding financial instruments via Registered Mail, it constitutes deception and fraud.

A company must provide proof of legally required notices or they are in violation of federal consumer protection laws.

15 U.S.C. 1692g ( FDCPA Debt Validation Requirements ) Debt collectors must provide verifiable proof of debt.

If CPS does not send financial statements via Registered Mail, they violate FDCPA because they can not prove compliance.

3. U.S. Supreme Court Rulings Requiring Proof of Delivery for Financial Notices XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Corporate fraud must be traceable and verifiable under legal standards. 
All financial notices must have verifiable proof of delivery, otherwise, they are unenforceable. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) A creditor can not claim an obligation without proof of proper notice. 
Sending financial documents via untraceable means invalidates their claim. 

XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ) Failure to properly present a financial notice invalidates the claim against the debtor. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) If a company improperly presents a debt or financial obligation, the claim is invalid. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Debt XXXX must follow strict legal standards, including proof of delivery for all financial instruments. 


XXXX. XXXX  State Laws Requiring Registered Mail for Negotiable Instruments XXXX  Consumer Collection Practices Act ( XXXX XXXX. XXXX ) Debt XXXX can not send misleading statements. 
If CPS does not send financial notices via XXXX Mail, it is legally misleading and violates Florida law. 

XXXX  XXXX XXXX XXXX ( XXXX XXXX. Chapter XXXX ) XXXX XXXX. XXXX XXXX of XXXX XXXX financial instrument must be presented properly ( traceable mail ) to be enforceable. 

Florida Deceptive and Unfair Trade Practices Act ( XXXX XXXX. XXXX ) Sending financial claims via untraceable means is deceptive and fraudulent. 



XXXX. Criminal Penalties for Failure to XXXX XXXX Mail 18 U.S.C. 1341 ( Mail Fraud ) If a company sends financial instruments improperly, they can be prosecuted under mail fraud statutes.

18 U.S.C. 1014 ( False Statements to Financial Institutions ) If CPS misrepresents financial claims and fails to use legal delivery methods, they are criminally liable. 

XXXX XXXX.S.C. 7201 ( Tax Evasion ) Failure to provide proper notice of a financial obligation constitutes tax evasion if the funds are securitized and unreported.

15 U.S.C. 1681s-2 ( FCRA Reporting Financial Data Improperly ) If CPS reports financial claims to credit bureaus without proof of proper presentment, they violate federal law.

6. Final Legal Conclusion Why CPS Must Use Registered Mail Under UCC, FDCPA, FTC Act, and Supreme Court rulings, all financial notices and negotiable instruments must be sent via Registered Mail.

Failure to do so invalidates the financial claim and constitutes Mail Fraud.

CPS is violating federal, XXXX, and Supreme Court rulings by failing to send financial notices properly. 
This legal argument is broken down clear enough to make CFPB DO ITS OBLIGATION AND MAKE THIS COMPANY PROVE AND VALIDATE EVERYTHING REQUIRED IF NOT THIS WILL BE used in complaints, lawsuits, and enforcement actions until CPS DOES WHATS REQUIRED SUMMERY OF LEGAL AND LAWFUL CLAIMS Debt was already discharged in XXXX  : The XXXX has been in XXXX since XXXX under XXXX, making all debts obligations of the XXXX Treasury XXXX not mine. 12 U.S.C. 95a ( 2 ) and Title 12 U.S.C. 411 confirm that FRNs are not lawful money, meaning no lawful contract exists.

Debt was a result of identity theft : CPS monetized my signature without disclosure, converted my promissory note into a security, and falsely represented me as a debtor, violating 15 U.S.C. 1692e ( 10 ) ( FDCPA ) and UCC 1-103. This is fraud and identity theft.

Debt was paid : My original promissory note was monetized, meaning the obligation was already settled at inception. Under UCC 3-603, all debts are paid upon receipt of a negotiable instrument. CPS is fraudulently attempting to collect again on an already settled claim.

Debt is not mine : As an agent for the principal ( legal fiction ), I am not personally liable for this obligation. The U.S. Treasury is responsible for all public debt under bankruptcy laws, per UCC 3-305 and 15 U.S.C. 1692f. CPS is unlawfully attributing the debt to me.

Requested Resolution : 1. CFPB must investigate CPS for fraudulent debt collection, mail fraud, and securities fraud.

2. CPS must cease all contact and remove all fraudulent debt claims from my record.

3. CFPB must impose penalties for their violations of FDCPA, UCC, TILA, and Florida consumer protection laws. 



I. Summary of Allegations Against XXXX Between XX/XX/XXXX and XX/XX/XXXX, XXXX engaged in fraudulent financial practices by : Sending XXXX unlawful financial statements ( negotiable instruments ) via XXXX Mail, violating : 18 U.S.C. 1341 ( Mail Fraud ) UCC 3-104, 3-501, 4-406 ( Improper Negotiable Instrument Handling ) FDCPA ( 15 U.S.C. 1692g ) Failure to Validate Debt Before Collection Attempting to collect on a securitized, prepaid obligation while failing to disclose material financial facts, violating : Securities Exchange Act ( 15 U.S.C. 78j ( b ) ) Truth in Lending Act ( TILA ) 12 C.F.R. 226.23 Right to Rescind XXXX Consumer Collection Practices Act ( XXXX XXXX. XXXX ) Ignoring my formal Debt Validation & Right to Rescind Notice ( Sent XX/XX/XXXX ) in violation of : 15 U.S.C. 1692g ( b ) Duty to Cease Collection Until Validation Is Provided XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Right to Rescind Without Justification Failing to issue a XXXX, committing tax fraud, violating : XXXX U.S.C. XXXX XXXX XXXX Requirements XXXX XXXX. XXXX Tax Evasion Engaging in unauthorized vehicle tracking and use of kill switches, violating : XXXX XXXX Unreasonable Search & XXXX XXXX XXXX United States, XXXX XXXX XXXX ( XXXX ) GPS Tracking Without Consent is Illegal Florida XXXX. XXXX Unauthorized Electronic Tracking is a Felony Attempting to repossess my vehicle despite no lawful security interest, violating : XXXX XXXX Personal Vehicles Are Not Collateral UCC 9-203 A Security Agreement Must Be Signed to Be Enforceable XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX Right to Property Can not Be Arbitrarily Taken XXXX. Formal Legal Demands to CFPB I am formally requesting CFPB intervention to enforce federal consumer protection laws and prevent further unlawful conduct by CPS. I demand : Immediate issuance of an order requiring CPS to halt all collection activities, repossession attempts, and remote vehicle disabling ( kill switches & GPS tracking ) until all legal complaints and federal investigations are resolved.

CPS must provide a certified copy of the original loan contract with wet-ink signatures, NOT a dealership contract copy.

If CPS delays or provides the incorrect contract, my pending FOIA requests with the IRS and XXXX will return full documentation, further proving their fraud.

CPS must issue a sworn affidavit affirming they will not attempt repossession, tracking, or contact until my disputes are fully resolved.

CFPB must forward this complaint to the SEC, IRS, and XXXX. XXXX XXXX XXXX ( XXXX ) for further investigation into securities fraud, tax evasion, and mail fraud.

CPS must pay full financial restitution for damages caused by their fraudulent practices, including emotional distress, financial hardship, and job loss. 

CFPB must issue penalties under FDCPA, TILA, and XXXX consumer protection laws.

III. Supporting Attachments ( if demanded bottom of complaint shows my instructions to the CFPB AND ILL
PROVIDE ALL REQUESTED ) To ensure a full legal review, I have attached : 1. Four fraudulent financial statements sent by CPS.

2. My formal Debt Validation & Right to Rescind Notice ( XX/XX/XXXX ) with Certified Mail Proof. 
3. Mail Fraud Complaint ( Filed with XXXX. XXXX XXXX XXXX ). 
4. Tax Fraud Complaint ( Filed with the IRS ).

5. XXXX  Attorney General Complaint for Unlawful Debt Collection. 
6. SEC Complaint for Securities Fraud ( Loan Securitization Without Disclosure ).

7. Screenshot of CPS SEC Filings ( Proving Loan Securitization ).

8. Relevant U.S. Supreme Court rulings supporting my claim.

IV. Final Legal Notice to CFPB CPS must NOT be allowed to close or deny this complaint as a resolved matter while multiple federal and state complaints are active. 
Under FDCPA ( 15 U.S.C. 1692k ), debt collectors CAN NOT attempt to collect on a disputed debt while government complaints are unresolved.

CPS has knowingly violated multiple federal laws and must be held fully accountable. 
Failure to act will result in immediate escalation of this case to federal court. 

CFPB must respond with written confirmation of their enforcement actions against Failure to provide full remedy will result in the immediate filing of formal complaints with : Failure to provide full remedy will result in the immediate filing of formal complaints with : FINAL NOTICE TO CPS : Failure to provide full remedy will result in the immediate filing of formal complaints with : 1. Consumer Portfolio Services , Inc .

2. U.S. Consumer Financial Protection Bureau ( CFPB ) 3. Federal Trade Commission ( FTC ) 4. U.S. Securities and Exchange Commission ( SEC ) XXXX. Internal Revenue Service ( IRS ) XXXX. XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX Attorney General XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) URGENT REQUEST FOR CFPB ENFORCEMENT & DIRECT CONTACT REGARDING REQUIRED DOCUMENTATION I request immediate CFPB intervention as Consumer Portfolio Services, Inc. ( CPS ) continues to attempt collection on a fraudulent, securitized, and prepaid debt, despite : Over XXXX open complaints filed across multiple federal and state agencies ( IRS XXXX SEC XXXX XXXX XXXX FTC XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and others ).

An active federal court case against CPS, yet they persist in unlawful collection attempts.

CPS has caused damages, financial hardship, emotional distress, and job loss due to their continuous harassment and refusal to acknowledge my legal rights.

FDCPA ( 15 U.S.C. 1692k ) prohibits collection attempts on a disputed debt during open government investigations. CPS is violating this provision and must be ordered to cease collections immediately.

CPS agreed to securities laws under the SEC but continues to ignore its obligations.

I demand : 1. That CFPB immediately contacts
me via email for any required documentation.

2. That CFPB orders CPS to cease all collection activity until all complaints are resolved.

3. That CPS is investigated for its continued legal violations despite an open federal court case.

Failure to act allows CPS to continue unlawful practices, causing irreparable harm. I expect a written response confirming CFPBs intervention.

Company response to consumer: Closed with explanation