Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: OK

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Cherry Technologies and XXXX XXXX XXXX for their unlawful handling and collection of a debt in violation of consumer protection laws. 



Details of the Complaint : In XX/XX/year>, Cherry Technologies allegedly sold a {$380.00} debt in my name to XXXX XXXX XXXX. 
However, XXXX XXXX XXXX was not licensed to collect or own debts in the state of Nevada at the time of the sale. 
According to the Nationwide Multistate Licensing System ( NMLS ), XXXX XXXX XXXX did not obtain licensing in Nevada until XX/XX/XXXX, XXXXnearly 18 months after the debt was transferred. 
As a result, Cherry Technologies illegally sold my debt to an unlicensed company, rendering the sale invalid. 



Attempts to Resolve the Issue : I have made repeated attempts to contact Cherry Technologies through phone, email, and chat, requesting that they : Recall the debt from Denali Capital LLC.

Contact the credit bureaus to remove the inaccurate debt from my credit report.

Despite my efforts, Cherry Technologies refused to take corrective action. 
Additionally, XXXX XXXX XXXX continues to claim ownership of the debt, despite being unlicensed in Nevada at the time of acquisition. 



Legal Concerns : XXXX XXXX LLCs collection efforts were unlawful due to their lack of licensing in Nevada during the time of sale. 
Cherry Technologies failure to verify the licensing status of the company they sold my debt to is a violation of consumer protection standards. 
By refusing to assist in correcting the inaccurate reporting, Cherry Technologies is causing continued harm to my credit score. 
Requested
Actions by the CFPB : I am requesting that the CFPB : 1. Investigate Cherry Technologies illegal sale of the debt to an unlicensed collector.

2. Force Cherry Technologies to contact the credit bureaus and request the removal of the {$380.00} debt from my credit report. 
3. Ensure XXXX XXXX XXXX ceases all collection efforts on this debt, as they were not licensed in Nevada at the time of purchase. 
4. Impose appropriate penalties on both companies for their unlawful practices. 



Supporting Documentation : I am prepared to provide : Correspondence with Cherry Technologies showing their refusal to assist in resolving the issue. 
XXXX licensing records confirming that XXXX XXXX XXXX was unlicensed in Nevada at the time of the debt sale. 
Credit reports showing the debt is still listed under Cherry Technologies, despite the alleged sale.

Conclusion : Cherry Technologies unlawful sale of my debt to an unlicensed company and their refusal to take corrective action has caused harm to my credit and violated my consumer rights. I am requesting the CFPBs intervention to hold both companies accountable and remove this invalid debt from my credit report. 

Thank you for your time and assistance in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation