Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMCS, Inc. DBA Central Mercantile Collection Services
State: GA

Complaint narrative:
Date : XXXX XXXX XXXX  To : CMCS Subject : Formal Cease and Desist and Legal Complaint FCRA, FDCPA, and Title XXXX O.C.G.A Violations by XXXX XXXX, XXXX XXXX XXXX and Affiliated Collections Entities This letter serves as a formal Cease and Desist demand to CMCS, and an official notice of violations committed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and subsequent collection entities engaged in illegal debt collection, insurance misconduct, and improper credit reporting activities in direct violation of both federal law and Georgia Insurance Code ( Title 33 ). 

I. Cease and Desist Demand CMCS, XXXX XXXX XXXX XXXX XXXX  XXXX agents are hereby ordered to immediately cease and desist all collection activities, credit reporting, and communications regarding the alleged debt in dispute, pending resolution and full compliance with the law. You are in violation of multiple statutes as outlined below. 


XXXX. Violations Committed A. Fair Credit Reporting Act ( FCRA ) Violations - Reporting invalid or disputed debt without investigation.

- Failure to notify me of negative information furnished to a credit bureau ( 15 U.S.C. 1681s-2 ). 
- Refusal to correct or delete inaccurate information after dispute notice. 
- No reinvestigation conducted within the XXXX window as required by 15 U.S.C. 1681i. 

B. Fair Debt Collection Practices Act ( FDCPA ) Violations - Attempting to collect on a debt not owed ( 15 U.S.C. 1692e ( 2 ) ( A ) ).

- Use of false, deceptive, or misleading representations ( 15 U.S.C. 1692e ).

- Contacting third parties without consent ( 15 U.S.C. 1692c ( b ) ).

- Continuing collection without validating debt after written dispute ( 15 U.S.C. 1692g ( b ) ). 

XXXX Georgia Insurance Code ( Title XXXX O.C.G.A ) Violations by XXXX XXXX XXXX XXXX - XXXX Engaging in deceptive insurance practices. 
- XXXX Failure to act in good faith and respond to lawful complaints filed with the Commissioner. 
- XXXX ( b ) ( XXXX ) Knowingly misrepresenting material facts or policy provisions. 
- XXXX Unfair claims settlement practices. 
- XXXX Unlawful and fraudulent insurance business conduct by XXXX XXXX XXXX an agent. 
- XXXX Failure of the agent to notify the Commissioner of disciplinary actions or misrepresentations. 


XXXX. Parties in Violation ( List for Reference ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX of insurance XXXX. CMCS Third-party debt collector XXXX Demands I request the following actions be taken immediately : XXXX. XXXX removal of any and all negative credit reporting entries related to this matter to include those related to CRAs or XXXX XXXX with proof provided within XXXX business days. 
XXXX. Termination of any collection activities and permanent closure of this false debt. Cease all calls, letters emails or other transmissions until debt is fully verified as valid. 
XXXX. Investigation and disciplinary review of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and issuer of insurancefor breaches of Title XXXX. 
XXXX. Written confirmation of compliance within XXXX calendar days of this notice. 
Failure to comply will result in additional formal complaints filed with the Georgia Department of Insurance, the CFPB, FTC, and a potential violations that may involve litigation under 15 U.S.C. 1681 and 1692, and all applicable Georgia statutes.

Company response to consumer: Closed with explanation