Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
Authorized representatives : XXXX XXXX DBA President / Registered Agent / CEO, XXXX XXXX DBA General Manager, XXXX XXXX DBA CFO and XXXX XXXX DBA Secretary of Carter-Young inc. , flagged my credit files with outdated inaccurate information. 

Be advised the SC Statutes of limitations have expired on this alleged account, there are no honorable records ( lease agreements ) providing a valid contractual agreement between myself and Carter-Young inc. , and Carter-Young inc. , was not granted a permissible purpose to damage my credit files on XX/XX/2024. 

Carter-Young inc. , did not honorably submit their demand for payment through the US Postal service to allow proper disputing of their claim of {$2900.00} XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX XXXX , of Carter-Young inc. , are prime examples of debt collectors that abuse their authority in efforts to force consumers to pay debts that they have no first - hand knowledge of. 

Per the XXXX XXXX XXXX ; Carter-Young inc. , refuses to provide authorized representatives when aiming to negotiate an alleged debt. I have not received goods or residential services on behalf of Carter-Young inc . 

Proper documentation from Carter-Young inc. , was not provided to me allowing Carter-Young inc. , to verify the accuracy of their data before placing inaccurate information with the credit bureaus for unauthorized collection activities. 
This not only proves my rights are being violated, this also proves XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX carelessly sells/contracts their alleged clients private information for profit despite the consequences of the F.D.C.A. 
Carter-Young inc. , obtained my social security number solely for the purposes of forcing me to tender a debt they have no first-hand knowledge of. I am the victim of these circumstances. 

I have not signed or provided the release of my private information to Carter-Young inc . Exactly how did Carter-Young inc. , obtain my private information? Who released it? 

I am formerly requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to Carter-Young inc. , releasing my social security number.

Carter-Young inc. , is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

I am not a party to any agreements Carter-Young inc. , may or may not have with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible for Carter-Young inc. , purchase / transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

Present authentic contractual agreements ( lease agreements ) supporting Carter-Young inc. , and I have agreed to honorably conduct business. I do not agree to pay/tender anything to Carter-Young inc. , on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

Carter-Young inc. , do not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. 

Carter-Young incs reply outside of the CFPBs portal, must be delivered via the US postal service . If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. 

I have included all proof in the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation