Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
As a federally protected consumer, I recently filed a cease and desist letter issued to AD ASTRA RECOVERY. AD ASTRA RECOVERY is a debt collection agency that is attempting to collect a debt from me, that is not owed to them. I have never signed a trilateral contract between AD ASTRA RECOVERY that states I do any types of business with them nor have I given them access to my consumer reports. However, AD ASTRA RECOVERY has unlawfully added their tradeline to my consumer reports without my knowledge or consent. The company has reported this for months and have damaged my credit report and my financial reputation.

No communication or tracking has been provided to me nor have I ( federally protected consumer ) validated said debt with AD ASTRA RECOVERY and they are committing aggravated identity theft and Debt Parking. In violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act ; AD ASTRA RECOVERY has purported debts on my consumer credit reports without first attempting to communicate with the consumer about the debt.AD ASTRA RECOVERY has still not sent receipt of any communication to attest to the fact that I signed up or signed a contract to do business with them on behalf of said Debtor. They Have no right to have access to my consumer reports I have not disputed this debt nor been in communication or have signed any agreement to pay said debt. I am protected by the assignee clause and AD ASTRA RECOVERY is in violation of 15 U.S Code 1692e ( 12 ). Both AD ASTRA RECOVERY and said Debtor are both held liable.

In prior complaint, AD ASTRA RECOVERY did not acknowledge cease and desist, they just stated that they would sent letter proving alleged debt but did not send any proof that they have the legal right to have obtained my consumer reports or any receipt showing where I do business with them or agreed to make payments to them. This is in violation of my rights according to 15 U.S Code 1692c ( c ).

AD ASTRA RECOVERY did not have prior consent from the courts or I, the consumer before communication about the collection of any debt which is in violation of 15 U.S Code 1692c ( a ).

AD ASTRA RECOVERY & SPEEDYCASH ( Said Debtor ) are in violation of the assignee clause which makes them both liable according to 15 U.S. Code 1692e ( 12 ).

AD ASTRA RECOVERY has still not proven that I validated said debt before it illegally and unlawfully added to my consumer reports, which is in violation of 15 U.S Code 1692g ( c ).

AD ASTRA RECOVERY stated in response to my last complaint about my failure to dispute. " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by consumer '' according to 15 U.S Code 1692g ( c ) My attorney has filed a complained with the Federal Trade Commission citing all violations made by AD ASTRA RECOVERY. I have also filed complaints with the Better Business Bureau.

AD ASTRA SHOULD IMMEDIATELY remove their tradeline from my consumer reports. They have knowingly committed many violations with " Debt Parking '' being the first and foremost

Company response to consumer: Closed with explanation