Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
SETTLEMENT AGREEMENT AND UNLAWFUL COLLECTION On XX/XX/year>, I entered into a binding Settlement and Resolution Agreement with Orions Management Group , LLC ( OMG ) regarding my Oportun account ( Account No. XXXX ), which fully and finally resolved all disputes related to this account. Under this agreement, OMG expressly agreed to remove the account and all associated tradelines from all consumer reporting agencies, permanently cease all collection activity and contact, not resell, transfer, or reassign the account, and not pursue any legal action against me in the future. Despite this binding agreement, on XX/XX/year>, I received a collection notice from XXXX XXXX XXXX attempting to collect the same account, now allegedly owned by XXXX XXXX XXXX XXXX XXXX. This demonstrates a clear breach by Orions Management Group : they either transferred or allowed the reassignment of a fully settled and extinguished debt or failed to enforce the settlement terms. The continued collection effort is unauthorized, deceptive, and unlawful. 

Legal Basis and California Law : Orions Management Groups actions constitute a violation of federal and state law, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, 1692g, which prohibit collecting a debt that is not legally enforceable and using false, deceptive, or unfair means ; XXXX  XXXX Fair Debt Collection Practices Act ( XXXX. XXXX. XXXX XXXX et seq. ), which prohibits debt collectors from collecting debts they are not legally authorized to collect, or using misleading or unconscionable practices ; XXXX  Civil Code XXXX, supporting enforcement of contract obligations, including the Settlement Agreement prohibiting resale, transfer, or reassignment ; and XXXX Business & Professions Code XXXX ( UCL ), as Orions and Atlantics conduct may constitute unlawful, unfair, or fraudulent business practices. 

This complaint is solely submitted to enforce the existing Settlement Agreement and is not an attempt to dispute, reopen, or renegotiate the resolved debt. I am requesting immediate CFPB intervention to require Orions Management Group to : XXXX. Enforce the settlement by instructing XXXX XXXX XXXX and any other third parties to immediately cease all collection activity. 
XXXX. Confirm in writing that no party has authority to collect or litigate this debt. 
XXXX. Ensure that no credit reporting or future collection attempts occur related to this resolved account. 
XXXX. Acknowledge and uphold their contractual promise not to sue or take legal action regarding this account. 

The actions of Orions Management Group constitute a material breach of a legally binding settlement and a disregard for consumer protections under both federal and California law. Immediate regulatory action is necessary to prevent further violations and protect the integrity of the original agreement.

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