Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
Central Portfolio Control , Inc. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Formal Dispute of Reporting / Licensing Verification Demand / Notice of Intent to Sue Account : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am formally disputing Central Portfolio Controls reporting, collection activity, and compliance with federal and Florida state law. This letter serves as a Fair Credit Reporting Act ( FCRA ) dispute, a Fair Debt Collection Practices Act ( FDCPA ) demand, a Florida Consumer Collection Practices Act ( FCCPA ) demand, and a formal Notice of Intent to Sue.

1. FCRA VIOLATIONS INACCURATE & CONFLICTING REPORTING CPC is furnishing inconsistent, inaccurate, and conflicting data across the consumer reporting agencies, including but not limited to : Different account statuses Different dates opened Different dates of last payment or activity Inconsistent balance information Conflicting charge-off or collection dates Lack of documented ownership or chain of assignment These discrepancies violate : FCRA 1681e ( b ) failure to report with maximum possible accuracy FCRA 1681i failure to reinvestigate disputed information FCRA 1681s-2 ( b ) failure to correct inaccurate data after dispute Under federal law, unverified or contradictory information must be deleted.

I demand that CPC immediately : Conduct a reasonable investigation Provide full documentary proof supporting all reported data Provide complete chain of title from the original creditor Delete the account if it can not be verified FAILURE TO VALIDATE THE DEBT FDCPA VIOLATIONS If CPC has attempted to collect this alleged debt without first providing adequate validation, or continued to collect after any dispute, that violates : FDCPA 1692g ( b ) continued collection without validation FDCPA 1692e false or misleading representations FDCPA 1692f unfair or unconscionable practices Under federal law, CPC must cease all collection activity until proper validation is provided.

I hereby demand : Contract or signed agreement bearing my signature Proof of CPCs legal right to collect Full itemized accounting of the debt If CPC can not produce this validation, the account must be deleted immediately. 



3. POSSIBLE UNLICENSED COLLECTION ACTIVITY IN FLORIDA ( THIS IS A MAJOR LEGAL ISSUE ) Under Florida Statute 559.553, any company collecting consumer debts in Florida is required to maintain an active Consumer Collection Agency ( CCA ) license with the Florida Office of Financial Regulation ( OFR ).

I have not been able to locate ANY publicly verifiable Florida CCA license number for Central Portfolio Control , Inc.

Attempts to collect debts from a Florida resident without an active license violate : Fla. Stat. 559.553 ( 1 ) operating without required state registration Fla. Stat. 559.72 ( 9 ) asserting a legal right that does not exist Fla. Stat. 559.72 ( 18 ) communicating false credit information If CPC can not prove it was licensed at the time of collection : All collection activity is illegal All reporting to the credit bureaus is unlawful CPC is subject to statutory and punitive damages Therefore, I demand : CPC must provide, within 30 days : Florida CCA license number Proof of active registration on the dates CPC attempted to collect Proof of OFR renewal Written explanation of authority to collect in Florida Failure to produce this documentation is an admission of unlicensed collection activity.

4. NOTICE OF INTENT TO SUE This letter constitutes my formal written Notice of Intent to Sue for violations of : Fair Credit Reporting Act ( FCRA ) Statutory damages under 15 U.S.C. 1681n Actual damages under 1681o Punitive damages for willful noncompliance Attorneys fees and costs Fair Debt Collection Practices Act ( FDCPA ) Statutory damages up to {$1000.00} Actual damages Attorneys fees and court costs Florida Consumer Collection Practices Act ( FCCPA ) Statutory damages up to {$1000.00} per violation Punitive damages ( explicitly allowed under Florida law ) Attorneys fees Unlicensed Collection Activity ( Florida ) Florida law authorizes additional civil liability for collecting without required licensure. 

Unless CPC provides the required documentation, deletes all unverifiable information, and ceases unlawful collection activity, I will proceed with litigation without further notice.

Company response to consumer: Closed with explanation