Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
Date : XX/XX/XXXX Complainant Information : Company Complained Against : American Coradius International LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Nature of Complaint : Egregious Violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Gramm-Leach-Bliley Act ( GLBA ) including Section A of Title V of the GLBA, 15 U.S.C. 6801 This complaint is filed to report American Coradius International LLC for persistent and unlawful debt collection practices, including their egregious failure to provide legally mandated documentation to either exempt or support their blatant disregard for the privacy and security requirements of the Gramm-Leach-Bliley Act. It appears that this company is either attempting to extort me or has stolen my identify.I will make that determination after their response to this complaint.

Detailed Account of Complaint and Specific Violations : American Coradius International LLC has initiated collection attempts against me concerning an alleged debt, referenced in their correspondences dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I emphatically dispute the validity and ownership of this alleged debt. 

My repeated, and unequivocally clear, requests for fundamental validation information as required by the FDCPA have been entirely ignored. Specifically, I have demanded, on at least two separate occasions XX/XX/XXXX and XX/XX/XXXX, the following indispensable documentation, which American Coradius International LLC has failed to provide : * Certified Bill of Sale : A certified, unambiguous Bill of Sale proving that American Coradius International LLC has lawfully acquired ownership of this specific alleged account. This document must demonstrably establish a clear and unbroken chain of title transferring the account bearing my name directly to American Coradius International LLC. Absence of this document indicates a lack of legal standing to collect. 

* Certified Assignment Agreement : In the absolute alternative, a certified Assignment Agreement executed between American Coradius International LLC and the alleged original creditor or any subsequent alleged creditor. This agreement must definitively prove their explicit authorization to collect on this particular account and must delineate a clear and lawful chain of assignment from the original creditor to American Coradius International LLC. Without such a certified agreement, their authority to demand payment from me is entirely unproven and therefore invalid. 

Beyond their failure to validate the alleged debt and their authority, American Coradius International LLC has demonstrated a severe and unacceptable non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). As a debt collector engaged in " financial activities, '' American Coradius International LLC is unequivocally a " financial institution '' under GLBA and is thus bound by its strict provisions. Despite this, they have fundamentally neglected their obligations by failing to provide me with : * Mandatory Privacy Notice : They have failed to furnish a clear, conspicuous, and comprehensive privacy notice as mandated by the GLBA 's Financial Privacy Rule. This notice must precisely explain their practices for collecting, using, and sharing my nonpublic personal information ( NPI ), including with whom they share it and the specific methods employed to protect it. The absence of this notice is a direct violation.

* Required Opt-Out Notice : They have not provided a clear and conspicuous notice granting me the legally mandated opportunity to " opt out '' of having my nonpublic personal information ( NPI ) shared with nonaffiliated third parties. This opt-out right is a cornerstone of GLBA consumer protection, and its omission is a serious breach of federal law. 

The GLBA explicitly requires all financial institutions, including debt collectors, to : * Financial Privacy Rule : * Provide clear and conspicuous privacy notices to consumers detailing information-sharing practices.

* Grant consumers a reasonable opportunity to " opt out '' of sharing their NPI with nonaffiliated third parties.

* Establish contractual agreements with nonaffiliated third parties that prohibit redisclosure or reuse of NPI if it is shared.

* Safeguards Rule : * Develop, implement, and rigorously maintain a comprehensive written information security program designed to ensure the security, confidentiality, and integrity of customer information. This program must detail administrative, technical, and physical safeguards, include regular risk assessments, and be continuously updated. 

American Coradius International LLC 's failure to provide the absolute minimum legal documentation validating the alleged debt, coupled with their complete disregard for their GLBA obligations regarding privacy and data security, constitutes a pattern of deceptive, unfair, and abusive debt collection practices. This behavior not only violates my rights but also potentially exposes my sensitive financial information without my consent or the required safeguards. 

I respectfully demand that the Federal Trade Commission initiate an immediate and thorough investigation into the practices of American Coradius International LLC. I expect rigorous enforcement action to be taken against this company for their apparent violations of the Fair Debt Collection Practices Act and the Gramm-Leach-Bliley Act. 

I reserve all rights to pursue any and all available legal remedies should American Coradius International LLC continue its unlawful collection attempts without providing the required documentation and adhering to all federal regulations.

Company response to consumer: Closed with explanation