Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against the debt collection agency, Central Portfolio Control , Inc. ( CPC ), located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, phone number XXXX ( XXXX ) XXXX. 

I allege that CPC has engaged in multiple unlawful, abusive, and harassing debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my clear written instruction to cease all communications, they have persistently contacted me, causing significant distress and infringing upon my federally protected rights.

1. Violation : Harassment via Excessive & Unwanted Communications The FDCPA expressly prohibits debt collectors from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

On XX/XX/XXXX I sent a written cease and desist communication to CPC SMS as indicated in the photos attached, instructing them to stop all communication with me regarding the alleged debt, as is my right under 15 U.S.C. 1692c ( c ).

Despite acknowledging receipt of this letter, CPC has willfully ignored my directive. 
Since that date, I have received XXXX ( XXXX ) ) separate and unwanted communications from them : XXXX. ( XX/XX/XXXX ) : XXXX XXXX. ( XX/XX/XXXX ) : XXXX XXXX. ( XX/XX/XXXX ) : Text Message XXXX. ( XX/XX/XXXX ) : Text XXXX XXXX. ( XX/XX/XXXX ) : Text Message XXXX. ( XX/XX/XXXX ) : Text XXXX This repeated and continuous contact after a lawful cease communication request constitutes harassment under the FDCPA.

2. Violation : Unfair Practices & Failure to Honor Cease Communication Request The CFPB 's Debt Collection Rule clarifies that after receiving a cease communication request, a debt collector must stop all contact, with only XXXX very narrow exceptions ( confirming cessation of efforts, notifying of specific legal actions, etc. ). None of these exceptions apply to the text messages and voicemails I received. CPC 's actions represent a clear and unfair practice.

3. Violation : Potential FCRA Violations & Request for Investigation While the primary violation is under the FDCPA, CPC 's disregard for the law calls into question their compliance with the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that information furnished to credit bureaus must be accurate, and if a debt is disputed, it must be reported as disputed. 

Given their willingness to violate the FDCPA, I have serious concerns about whether they have : A. Reported this debt accurately to the credit bureaus. 
B. Followed proper procedures before initially reporting the debt, such as providing a proper validation notice and waiting a reasonable period.

C. Marked the account as disputed if I had previously disputed it.

I request that the CFPB investigate their credit reporting practices related to my file as part of this complaint.

4. Impact and Requested Damages These violations are not merely procedural. They have caused me significant emotional distress, anxiety, and an invasion of my privacy. The persistent contact, especially after I explicitly invoked my right to be left alone, has created a feeling of being powerless and harassed in my own home.

Under the FDCPA, I may be entitled to recover actual damages for the distress caused, statutory damages of up to {$1000.00} each for these violations, and potentially attorney 's fees and costs. The FCRA also allows for the recovery of actual damages for willful non-compliance.

My Request for Action I respectfully request that the CFPB : 1. Thoroughly investigate this complaint against Central Portfoli o Control , Inc. 2. Take appropriate enforcement action against this collector for their reckless and unlawful disregard of federal consumer protection laws.

3. Order CPC to cease all illegal collection activities immediately.

4. Ensure that any inaccurate information they have reported to any credit bureau is corrected or deleted.

5. Provide me with a written report of the findings of your investigation.

I have attached the following supporting documents to this complaint : 1. Screenshots of the text messages received after the cease and desist date.

2. Call log showing the dates and times of the voicemails. 

Thank you for your time and assistance in this matter. I trust you will investigate this thoroughly. 

Sincerely, XXXX

Company response to consumer: Closed with explanation