Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GABA LAW CORPORATION
State: CA

Complaint narrative:
The company known as GABA Law Corporation wherein XXXX XXXX, XXXX attorney and owner, along with his associate XXXX XXXX violated my FDCPA Rights. Under the FDCPA, I have the right to dispute the deb and the ( 1 ) Right to notice of the debt ( 2 ) Right to Contest the debt ( 3 ) Right to verify the debt. 

In XX/XX/2012, XXXX XXXX contacted me by telephone and out of nowhere indicated that he was contacting me to collect a debt on behalf of XXXX dba XXXX XXXX XXXX. He indicated I was being sued and judgment was being obtained against me. According to the FDCPA I have the Right To Notice of Debt within 5-days of XXXX XXXX and GABA Law Corp. contacting me. Where GABA Law Corp. must send me a letter telling me ( 1 ) the amount of the debt ( 2 ) name of the creditor ( 3 ) information about what I can do if I think there has been a mistake or if I don't actually owe the money. I never received a letter of notice from GABA Law within 5-days indicating the amount of the debt or any information about what i can do if I think there has been a mistake and I don't actually owe the money. 

i explained that day to XXXX XXXX that I did not owe the debt and referred him to the membership agreement that I signed specifically page 2, paragraph 4, that reads : It is further understood and agreed that I may resign my Membership from the Club at any time by giving at least 30 days advance. 

Per FDCPA If I do not owe the debt I should be allowed to dispute the debt, the debt collector can not report it to a credit reporting agency unless and until it verifies the debt. GABA Law Corp. reported the debt before they received my dispute letter and they never gave me an opportunity to provide them my dispute letter. By not giving me the opportunity to provide them a dispute letter GABA Law violated my Rights. If I would have been allowed to provide my dispute letter GABA Law must notify the credit reporting agencies that the debt is disputed, instead they reported a Collection to the credit reporting agencies, and obtained a Judgment without properly serving me with a summons I never have been served by GABA Law yet GABA Law again mislead the court to believe that I had been served and simply didn't show up to court implying the " no show '' was an admission of guilt GABA Law has violated the FDCPA and the Fair Credit Reporting Act by reporting a debt that it knows, or should know, to be false. 

GABA Law in association with XXXX dba XXXX XXXX XXXX are reporting incorrect information and their incorrect reporting appears in Background Investigations for employment opportunities and continues to result in Adverse Action Notice that has impacted my ability to receive employment opportunities and creating financial hardship. This is a careless, malicious, tactic that should be retracted and removed from my record. 

The truth is, I became a member of the XXXX XXXX XXXX for less than one year. Using simple math at a rate of {$520.00} per month x 12 months would only equal {$6300.00} You ( GABA Law ) and the creditor are reporting {$19000.00}. In XX/XX/2012 I suffered a serious injury to my XXXX and was diagnosed with a XXXX XXXX XXXX of my XXXX XXXX. This can be verified through my medical records. Under the care of my physician XXXX XXXX, XXXX. of XXXX XXXX XXXX I was unable to participate in any type of physical activity. At that point I notified XXXX XXXX XXXX and spoke with the accounting department who took my information and said they would report my incident and contact me if they needed further information. I also submitted a written letter notifying them of the same. The Agreement I signed with XXXX ( enclosed ) clearly states It is further understood and agreed that I may resign my Membership from the Club at any time by giving at least 30 days advance. Now considering I gave XXXX dba XXXX XXXX XXXX a 45+ day notice and spoke directly to the Accounting Department and followed my verbal conversation with a written notice, I also provided them the name and phone number of the XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX , California .

Company response to consumer: Closed with explanation