Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nexum Group Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received phone calls from Nexum Group Inc. attempting to collect a debt they claim is related to a past XXXX XXXX coworking membership. I never signed a lease and do not acknowledge this debt. On XX/XX/XXXX, I sent a formal debt validation request and cease and desist notice to XXXXnexumgroupXXXX, citing my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 and 805 ( c ). I specifically requested full documentation, written-only communication, and made clear that all phone contact must cease. 

I have resided in California for the past XXXX years and continue to do so. Based on Nexums own public information and California law, the statute of limitations for this type of alleged open account or service contract debt is XXXX to XXXX years, pursuant to California Civil Code 337 and 339. I have not lived in Florida since XX/XX/XXXX. Therefore, even if this debt were valid, it may be time-barred under California law .

Despite my formal written notice, Nexum has done the following : 1. Threatened to Damage My Business Credit In a voicemail left on XX/XX/XXXX, a Nexum representative stated that if I did not resolve the debt, it would be reported to my business credit. 
This is a misrepresentation of legal consequences under FDCPA 807 ( 5 ) and 807 ( 10 ). 
Additionally, XXXX XXXX is not a creditor that would impact business credit files like XXXX or XXXX  XXXX, nor have they provided any documentation to support such a claim. 

XXXX. Threatened to Report the Debt Without Validation I formally requested debt validation on XX/XX/XXXX. 
Any attempt to report this unvalidated debt to consumer or business credit bureaus would violate both the FDCPA 809 and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Claimed They Represent XXXX XXXX Without Proof The voicemail claimed they were calling on behalf of their client, XXXX XXXX 
XXXX has not provided any documentation proving that they are a licensed third-party collector, or that they have legal authorization to collect on behalf of XXXX XXXX. 
They have not demonstrated that the debt is still owned by XXXX XXXX or is even valid. 

4. Engaged in Harassing and Improper Contact Methods Contacted my personal cellphone, violating my written request for no phone contact Called my familys home phone, resulting in an unauthorized third-party disclosure in violation of FDCPA 805 ( b ) Called the TextNow number I provided specifically for written communication, and left a voicemail on XX/XX/XXXX, again violating my cease and desist demand To date, they have not provided any debt validation. Instead, they continue to make unsubstantiated threats to harm my credit standing, both personal and business-related. 


Yes. I attempted to resolve the issue with XXXX XXXX prior to leaving. 

Yes, I contacted XXXX XXXX XXXX  XXXX around XXXX or XXXX after I was being stalked and harassed by another member of the coworking space. I also contacted the police, but they were unable to arrest the individual since no physical harm had occurred. I notified both the on-site management and attempted to contact XXXX XXXX corporate by phone and email to report my safety concerns and inform them I was leaving. No meaningful action was taken to protect me or resolve the situation. I left the membership for my safety. I no longer have access to the emails or call records from that time. 

Screenshot attached shows a call and voicemail left on XX/XX/XXXX, from Nexum Group Inc., despite my prior written request to cease all phone communication. The number is masked via call software, which is a known tactic used by some debt collectors to avoid detection. Nonetheless, the voicemail clearly identified the caller as a Nexum representative acting on behalf of XXXX XXXX I can provide a transcription of the voicemail if needed.

Company response to consumer: Closed with explanation