Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synergetic Communication Inc
State: MO

Complaint narrative:
Company was sent a letter to validate this debt with a contract with my signature on it with their company SYNERGETIC COMMUNICATIONS -- XXXX XXXX. Company has failed to provide a signed contract between myself and them SYNERGETIC COMMUNICATIONS, INC. NOT THE THIRD PARTY XXXX XXXX whom they illegally acquired and purchased my XXXX XXXX well as personal information from. Therefore making me not reliable for this debt. I am not liable for the debt being reported in the amount of {$6400.00} in which the original creditor was XXXX XXXX XXXX neither do I have a contract with SYNERGETIC COMMUNICATIONS. Neither did I personally release or authorize the release of my personal or HIPAA information. 


Company has been received a cease and desist letter as of XX/XX/year> to cease all communication and debt collection activity moving forward in accordance with law 15 U.S. Code 1692c which states the following : -Communication in connection with debt collection that ( a ) Communication with the consumer generally Without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to theconsumer. In the absence of knowledge of circumstances to the contrary, adebtcollector shall assume that the convenient time for communicating with aconsumeris after XXXX XXXX XXXX  and before XXXX XXXX XXXX, local time at theconsumers location ; ( 2 ) if thedebtcollector knows theconsumeris represented by an attorney with respect to suchdebtand has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to acommunicationfrom thedebtcollector or unless the attorney consents to directcommunicationwith theconsumer; or ( 3 ) at theconsumers place of employment if thedebtcollector knows or has reason to know that theconsumers employer prohibits theconsumerfrom receiving suchcommunication. 
( b ) Communication with third parties Except as provided insection 1692b of this title, without the prior consent of theconsumergiven directly to thedebtcollector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, adebtcollector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, aconsumerreporting agency if otherwise permitted by law, thecreditor, the attorney of thecreditor, or the attorney of thedebtcollector. 
( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or Except as provided insection 1692b of this title, without the prior consent of theconsumergiven directly to thedebtcollector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, adebtcollector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, aconsumerreporting agency if otherwise permitted by law, thecreditor, the attorney of thecreditor, or the attorney of thedebtcollector. 
( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ;

Company response to consumer: Closed with explanation