Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MO

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX trying to collect a debt for {$2200.00} for Crown Asset Management , LLC with a reference # of XXXX. Crown Asset Management has already tried to collect this debt through XXXX XXXX. I had contacted them to tell them that it was not my debt and asked them for validation of debt and then asked for them to verify Social Security Number and birth date of the borrower. Their response was not to respond to me and hand the debt to you. I started to send off communication via certified mail but was getting very frustrated with having to repeat the process I just went through with XXXX XXXX. I did write a letter and am sending this through the CFPB. The first paragraph is the complaint I filed against XXXX. The second paragraph is the letter I wrote to dispute your effort to collect a debt that I have already disputed. 

I was contacted by Shepherd Outsourcing ( XXXX XXXX XXXX, XXXX, SC XXXX ) ( XXXX ) with a letter dated XX/XX/XXXX saying that they were trying to collect a debt for {$2200.00} reference # XXXX for Crown Asset Management , LLC, listing them as the current creditor and providing a reference # of XXXX. The original creditor was listed as XXXX XXXX  with a original account # ending in XXXX. I have never heard of nor from either of these two businesses. I contacted them through certified mail requesting validation of debt and stating that had never dealt with either company and did not owe this money. It was received on XX/XX/XXXX. I received communication from them dated XX/XX/XXXX providing me with a bill of sale for the naming XXXX XXXX XXXX XXXX as [ initial seller ] [ servicer ] on behalf of XXXX XXXX, XXXX XXXX and Crown Asset Management as the buyer of the loan XXXX  was trying to collect. It also provided me with a delinquent payment schedule with monthly payment amount of {$130.00} that I have never made from any of my bank accounts. I wrote back, sending that communication via certified mail which was received on XX/XX/XXXX stating that the debt that they were trying to collect was not mine. I also requested them to verify the Social Security Number and the birth date of the person who signed the contract and asked for the signature as well. I never heard back from XXXX XXXX. I just found out that their reaction to this request was to sell that debt to another debt collector, XXXX XXXX XXXX XXXX XXXX XXXX who is now trying to collect the debt from me. I've conducted all of my communication through certified mail and it is getting both expensive and frustrating. I would like to not be contacted for this debt again. It is not my debt. I can prove it with bank records, but easier than this, they could have ruled out my involvement in this debt with the verification of the Social Security number and or the birth date from the original loan application, however, failed to do so. 

I am disputing the debt you are trying to collect for Crown Asset Management with a reference number of XXXX, which was listed with a reference number of XXXX at XXXX XXXX. This is not my debt and like XXXX XXXX, you have contacted the wrong person. I disputed the debt back in XXXX of XXXX, asking for validation of debt. I was given a delinquent payment schedule that does not reflect any of my financial activity between XX/XX/XXXX through XX/XX/XXXX. I have never dealt with Crown Asset Management nor XXXXXXXX XXXX I have never made monthly payments of {$130.00} to anyone and have no clue what purchase created the balance of {$2200.00} that you are trying to collect. I disputed the debt and asked them to verify my birthday and the last four of my Social Security number. I am assuming that their reaction was to sell the debt to you. I am not the person for whom you are looking. I am asking you for validation of debt, for a copy of the original credit application, and for you to verify my birthday and Social Security number. This is not my debt and would like to not be harassed in the future over this matter by more debt XXXX.

Company response to consumer: Closed with explanation