Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. This letter is sent pursuant to my rights under the * * Fair Debt Collection Practices Act ( FDCPA ) * *, specifically * * XXXX XXXX Code XXXX * *, which entitles me to request validation of the debt within XXXX ( XXXX ) days of initial contact. 

* * Please consider this letter a formal dispute of the alleged debt. * * I hereby request that you provide the following information and documentation to validate this claim : XXXX. * * The name and address of the original creditor; * * XXXX. * * A detailed breakdown of the amount you claim I owe, including itemization of principal, interest, fees, and any other charges ; * * XXXX. * * A copy of the original contract, lease agreement, or other documentation bearing my signature that evidences my legal obligation to pay the alleged debt; * * XXXX. * * Proof that you are legally authorized to collect debts in the state of [ Your State ] ; * * XXXX. * * Proof of chain of title or assignment of the debt, showing an unbroken chain from the original creditor to your agency; * * XXXX. * * The date of last payment and date of default ( if any ) ; * * XXXX. * * A statement that, upon request, you will provide the name and address of the original creditor if different from the current one. * * Pursuant to * * XXXX XXXX. XXXX ( b ) * *, you are required to cease all collection activity, including reporting to credit bureaus, until you provide full validation of the debt. Be advised that failure to comply with this request and continuation of collection efforts XXXX result in formal complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and the * * Office of the Attorney General * * in my state. 

Furthermore, you are notified that any attempt to contact me via telephone, including robocalls, autodialers, or voicemail messages, will be considered harassment unless done in compliance with the * * XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * * and applicable state laws. 

This letter shall not be construed as acknowledgment of any debt or obligation, nor a waiver of any of my rights under federal or state law. 

Please confirm in writing that you have received this dispute and that all collection efforts have been suspended pending debt verification. 

I have formally disputed this alleged debt. Therefore, until it is properly validated, any assumption of its accuracy is unfounded. If you have already reported this debt to any XXXX XXXX XXXX ( CRA ), you are obligated under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) ( XXXX ) to notify them of my dispute. Reporting information you knowor should knowto be inaccurate, or failing to update the account as disputed, constitutes a violation of federal law. 

Additionally, should you attempt to pursue legal action or seek a judgment without validating this debt as required under XXXX XXXX. XXXX ( b ) of the FDCPA, I will assert your noncompliance before the court and move for immediate dismissal. 

If you are not the current owner of this alleged debt, I demand that you forward a copy of this dispute to the original creditor and notify me once that has been done.

Company response to consumer: Closed with explanation