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: Central States Recovery, Inc.
State: MO

Complaint narrative:
CENTRAL STATES RECOVERY was previously mailed multiple letters requesting for the validation of the account # XXXX, a signed contract with my signature to their company releasing my personal and HIPAA information, as well as a cease and and desist -- they continue to report to all 3 credit bureaus on my behalf. I DO NOT have a signed contract with this company CENTRAL STATES RECOVER, LLC neither am I legally obliged to the debt in the amount of {$2200.00} that is being reported as this debt has been illegally purchased and ALREADY PAID FOR BY CENTRAL STATES RECOVER, LLC and they are reporting on my report in an attempt to collect funds they've already disbursed via the illegal acquisition of this debt and my personal and HIPAA information via third party XXXX XXXX XXXX XXXX  Company was sent written request for validation with a contract between CENTRAL STATES RECOVER and myself ( Not a third party ) in which they failed to provide. As well as a final cease and desist letter to stop all communication moving forward in accordance with law 15 U.S. Code 1692c - Communication in connection with debt collection which states the following : connection with debt collection ( 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 8 oclock antemeridian and before 9 oclock postmeridian, 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 a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company received this Cease and Desist to cease all communication moving forward in accordance with this law on XX/XX/2024 for which the receipt and tracking number is attached. 

This is a final attempt to resolve this with CENTRAL STATES RECOVER -- If company continues to illegally contact myself or report on my credit report moving forward, I will be having my attorneys reach out with a class action arbitration lawsuit. 

All proof of letters being sent and received has been attatched.

Company response to consumer: Closed with explanation