Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Notice Regarding Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally request that your company immediately cease and desist from all further collection activities regarding the account referenced above, Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute the validity of this debt and demand that all communication, including reporting this debt to credit bureaus, immediately cease as well. 

1. Cease and Desist Request Under the FDCPA As permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease and desist from all further communication with me regarding this account. The statute specifically states : " 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, except to advise the consumer that the debt collector 's further efforts are being terminated. '' In accordance with the FDCPA, I request that you stop any further attempts to communicate with me regarding this account. This includes, but is not limited to : Telephone calls Written correspondence, including emails and letters Reporting the debt to any credit bureaus ( XXXX, XXXX, and XXXX ) XXXX. Reporting to Credit Bureaus Constitutes Communication Please note that reporting this debt to credit bureaus is considered a form of communication under the FDCPA. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), reporting a disputed debt to credit bureaus after a cease and desist request can constitute a violation of the FDCPA. The court in this case held that continued reporting of a disputed debt to credit bureaus after a consumer requests a cessation of communication violates the FDCPA. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to report accurate and complete information to credit reporting agencies. If this debt is in dispute, reporting it to credit bureaus constitutes inaccurate reporting and can expose you to liability under the FCRA. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) underscores that reporting an unresolved or disputed debt can be a violation of both the FDCPA and the FCRA, if done after a consumers request to cease communication. 

XXXX. Debt Validation Request In addition to the cease and desist request, I also invoke my right under the FDCPA, 15 U.S.C. 1692g, to request validation of the debt. Specifically, I am requesting that you provide the following documentation : A detailed accounting of the debt, including the original balance, any fees, interest, or payments made. 

The name and address of the original creditor.

Proof that The CBE Group , Inc. is authorized to collect this debt on behalf of the original creditor.

A copy of the original signed agreement between me and the original creditor. 

Please note that, as per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a debt collector must validate the debt within 30 days of receiving a written request from the consumer. If you fail to provide such validation within 30 days of receiving this letter, you are prohibited from further pursuing or reporting this debt. 

XXXX. Legal Consequences for Non-Compliance Should you fail to comply with this cease and desist request, including the removal of the account from my credit report and providing debt validation, I will take further legal action, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Pursuing legal action for violations of the FDCPA and the FCRA, which could result in statutory damages, attorney fees, and further penalties. 

XXXX. Conclusion In summary, I demand the following : Cease and desist from all communication regarding this debt, including reporting the debt to credit bureaus. 

Removal of this account from all credit reports with XXXX, XXXX, and XXXX. 

Validation of the debt within 30 days as required by law. 

Thank you for your prompt attention to this matter. I expect a written response within 30 days confirming that all communication has ceased and that the requested debt validation has been provided. If you fail to comply, I will not hesitate to take appropriate legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief