Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Credit corps and XXXX XXXX XXXX I am writing to address your recent attempts to collect a debt from me that has already been charged off and resolved. According to the records and documentation in my possession, this debt was fully settled transferred, sold, paid balance {$0.00} and any claims for payment by your agency are without merit. 

Please be aware that your actions may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692, which prohibits debt collectors from attempting to collect a debt that has already been paid or is otherwise not owed. Additionally, such practices may be deemed unfair and deceptive under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536. 

It has come to my attention that XXXX XXXXXXXX XXXX, XXXX, and Credit Corp have previously faced allegations of unethical and potentially illegal practices. While I have no direct involvement in these past issues, the history of these companies includes claims of misrepresentation and misconduct, which raises concerns about the current collection practices. 

XXXX XXXXXXXX XXXX  has been scrutinized for inadequate disclosure of loan terms and aggressive collection tactics XXXX has faced criticism for misleading account terms and improper handling of customer accounts. 

Credit Corp has been cited for violations of consumer protection laws, including deceptive collection practices. 

I am committed to ensuring that the debt in question is accurately reflected as paid and resolved.Intimidation and Harassment. Your actions constitute harassment, which is prohibited under 15 U.S.C. 1692d. This section forbids debt collectors from engaging in conduct intended to harass, oppress, or abuse any person.

Privacy Violations : Attempting to collect a debt through personal visits and threats infringes upon privacy rights under 15 U.S.C. 1692c ( b ), which restricts debt collectors from contacting individuals at their home in a manner that could be deemed abusive or invasive. 

I request that you cease all such behavior immediately. Please provide written confirmation that you will no longer attempt to contact me at my home or make threats of legal action. Additionally, any further communication regarding this debt should be conducted in writing only. 

If these actions do not cease, I will consider taking further legal action to protect my rights and seek damages for any distress caused by your conduct. 

I have endured significant hardship over the past few years. We have recently clarified the situation, and I have highlighted in yellow where it states that the balance is XXXX ( transferred, sold, paid ). I trust this will resolve the matter promptly.I have been a victim of identity theft multiple times, and your continued collection efforts are causing significant harm to my health and well-being. Your attempts to collect on a debt that is not owed and was already settled are a direct consequence of the identity theft Ive endured.According to the documentation, the debt in question has been paid off, and the balance is zero. The report clearly states that this case is closed. Your continued attempts to collect on this settled debt are not only unjust but also illegal.

Company response to consumer: Closed with explanation