Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/year> Educational Credit Management Corporation ( ECMC ) Treasury XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing a complaint against Educational Credit Management Corporation ( ECMC ). XXXX is attempting to collect an alleged student loan debt that they have never validated and can not prove they legally own. XXXX has repeatedly violated the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Higher Education Act ( HEA ), and XXXX XXXX XXXX using false federal authority to threaten me. 



XXXX sent me a letter dated XX/XX/year> claiming they would seize federal and state payments through the Treasury XXXX XXXX ( TOP ). ECMC has no legal standing to request IRS or Treasury offset because they have never produced : a signed promissory note a chain of title documentation proving they paid a default claim a legal assignment from the Department of Education proof they are a certified guarantor authorized to use Treasury Offset an accounting explaining the alleged balance of {$82000.00} Despite this, ECMC is threatening federal enforcement actions. 

FDCPA Violations : XXXX. 809 ( b ) : Failure to XXXX ECMC has never validated the debt despite my disputes. 



XXXX. 807 : False or Misleading Representations ECMC falsely claims authority to seize federal payments without legal proof. 



XXXX. 808 : Unfair Collection Threatening Treasury seizure without legal standing is unlawful. 

FCRA Violations : XXXX. 602 ( a ) : Reporting Inaccurate Information They are reporting an account they can not validate. 



XXXX. XXXX : Failure to Conduct Reinvestigation ECMC verified disputed information without providing documentation. 



XXXX. XXXX ( a ) ( XXXX ) : Duty to Report Disputes If they failed to report the dispute when verifying, this is also a violation. 

XXXX Violations : ECMC failed to provide documents required under : 34 CFR 682.410 ( b ) ( 2 ) ( required loan documentation ) 34 CFR 682.406 ( assignment requirements ) 20 U.S.C. 1095a ( due process for garnishment ) They have provided no proof that they are the legal guarantor. 

IRS XXXX Treasury XXXX XXXX ( New Section Added ) : XXXX is invoking IRS/Treasury Offset authority without meeting legal requirements.

Under 26 U.S.C. 6402 ( d ) ( 1 ) and 31 CFR 285.5 ( d ), only properly certified agencies with verified documentation may refer debts for IRS refund offset. ECMC has not shown certification or proof of guarantor status. 



This conduct also triggers : 18 U.S.C. 912 false impersonation of federal authority 18 U.S.C. 1001 false statements in a federal matter 26 U.S.C. 7212 ( a ) corrupt obstruction or misuse of IRS processes ECMCs letter is a false federal enforcement threat, and they are using IRS terminology to intimidate me without legal authority.

Requested CFPB Relief : I request that the CFPB : Require ECMC to produce full validation of the alleged debt Require ECMC to provide proof of guarantor status and assignment Require ECMC to show legal certification for Treasury Offset authority Order ECMC to cease all collection until they provide proper documentation Remove any inaccurate credit reporting caused by ECMC Investigate ECMCs false and deceptive use of IRS/Treasury enforcement language Require ECMC to correct and update their records across all CRAs ECMCs actions are unlawful, deceptive, and harmful. I am requesting immediate CFPB intervention. 

Enclosure : TIGTA Complaint : False Use of IRS/Treasury Offset Authority by ECMC, NOTICE OF LIABILITY & DAMAGES TO ECMC, DOE OMBUDSMAN ESCALATION LETTER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation