Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I am a federally protected consumer and I have strong reason to believe the XXXX XXXX XXXX Collections USA INC is in violation of Federal Law, and State Law. 
On XX/XX/22 I was in the process of extending myself credit for a credit card transaction which is my right under XXXX. And I looked at my consumer report being furnished by XXXX and I saw duplicate collection accounts being furnished from the same company COLLECTIONS USA INC, with the same account numbers # XXXX XXXX XXXX XXXX, same amounts owed {$840000.00}, {$990.00} {$990.00}, same everything. There is no way these collection accounts should be on my consumer report. First Federally these collection accounts being furnished on my consumer report are covered under and in violation of the XXXX XXXX  XXXX of XXXX my privacy of nonpublic personal information ''. XXXX XXXX Code XXXX It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information so XXXX and COLLECTIONS USA INC appear to be conspiring by violating this Law by furnishing my nonpublic personal information and also appear to be conspiring and subject to XXXX XXXX CODE XXXX Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both. And I'm aware of FTCs case against XXXX XXXX XXXX, XXXX. The FTC says XXXX used debt parking to collect fake or questionable debts. Debt parking is an illegal practice where XXXX post debts to peoples credit reports without first trying to contact them. Many people dont learn about the debts until they apply for loans, jobs, or housing, and someone pulls their credit report. Some people pay the debts to clear their credit even if they dont owe them. Others never discover the debts but lose job offers or other opportunities because of the information. Like I reported in the begining of complaint I was in the middle of extending credit when I saw these collection accounts on my consumer report so it was very shocking in middle of the transaction to see these collections " pop up '' on my consumer report. Secondly under the FAIR DEBT COLLECTION PRATICES ACT XXXX XXXX CODE XXXX ( D, XXXX, F ) I see COLLECTIONS USA INC are in violation HARRASMENT AND ABUSE false misleading abusive deceptive tactics as " PUTTING DUPLICATE COLLECTIONS ON MY CONSUMER REPORT ''. FALSE MISLEADING PRATICES, UNFAIR PRATICES. Thirdly under XXXX COLLECTIONS USA INC is in violation of ARIZONA COLLECTION LAWS XXXX, XXXX engaging in false misleading practices 'placing duplicate accounts on my consumer report '' being oppressive, vindictive, illegal collection methods material misrepresentation. COLLECTIONS USA INC never showed me they were licensed and bonded which are required to collect in ARIZONA and most importantly when asked show the " THE CHAIN OF TITLE '' never provided. With so much violation of Federal and State rights and damages to my consumer report and trying to prohibit me by damaging my creditworthiness to extend credit all this done by COLLECTIONS USA INC I need the help of CFPB for immediate resolution.

Company response to consumer: Closed with explanation