Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
I am reporting Synergetic Communications, a third-party debt collector, for inaccurately and unlawfully reporting a debt that is not mine. The original creditor was XXXX XXXX XXXX XXXX XXXX, with whom I had a court matter that was resolved and written off over a year and half ago. I never entered into * * any financial agreement or contractual obligation with Synergetic Communications. 
Therefore, they have no legal right to report or collect on this debt. 

Synergetic is reporting this debt on my credit report as if they are the original creditor, which is false and deceptive. This violates multiple provisions of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), specifically : 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresenting the character, amount, or legal status of a debt 15 U.S.C. 1692e ( 8 ) : Communicating credit information known or which should be known to be false 15 U.S.C. 1692f : Using unfair or unconscionable means to collect or attempt to collect a debt 15 U.S.C. 1692g : Failing to provide validation of the debt and failing to cease collection until it is validated This also violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information to consumer reporting agencies 15 U.S.C. 1681i : Failure to verify the accuracy of disputed credit information Synergetic has never sent me valid documentation proving ownership of this debt, nor have they provided a signed contract or itemized breakdown. They are misrepresenting themselves and re-reporting a debt that was either settled or written off, without proper legal authority. This debt is not mine, and their continued collection attempts and credit reporting are unauthorized, inaccurate, and harmful. 

I request that the CFPB : Investigate Synergetic Communications immediately, Require them to provide all legal documentation proving the debt and their right to collect, Direct them to remove this account from my ALL my credit reports entirely, and Cease all collection activity related to this matter. ( emails, calls, texts, mailings ) This is a serious violation of my rights under federal law, and I am requesting immediate action and relief. 

In the attached for detail, I have received multiple misleading emails from Synergetic Communications over the past year, including XXXX dated XX/XX/year>, falsely presenting themselves as if collecting " on behalf of '' XXXX XXXX XXXX. They attempt to make it appear as if the original creditor is still pursuing the debt, when in fact the original creditor either sold or wrote off the debt over a year ago. 

The email offers a XXXX XXXX savings payment plan without providing legal validation or a signed contract. The payment is directed to Synergetic, not XXXX, and no proof of ownership of the debt is offered. 

This misrepresentation of who owns the debt and their legal right to collect is a direct violation of the FDCPA ( 15 U.S.C. 1692e ( 2 ), 1692e ( 10 ), 1692g ), and the FCRA ( 15 U.S.C. 1681s-2 ). I have also received over a year 's worth of spam-like emails from them, which I have documented and attached as evidence of ongoing harassment and deceptive collection practices. 

I request that this be investigated, that Synergetic be sanctioned if applicable, and that this account be deleted from my ALL my credit reports immediately. As well, as all illegal harassment end promptly- Attachments uploaded.

Company response to consumer: Closed with explanation