Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TN

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  : Synergetic Communication , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXXt : Illegal Reporting & Collection Intent to Sue and Demand for Deletion Dear XXXX XXXX XXXX and Synergetic Communication , Inc., This letter serves as formal notice of multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), IRS Regulation 6050P, and Uniform Commercial Code 9-611 through 9-614 regarding the above-referenced account.

1. False Reporting & Misrepresentation of Ownership XXXX XXXX XXXX continues to report this account monthly as a charge-off repossession, while Synergetic Communication simultaneously attempts collection on the same debt. 
Under FCRA 623 ( a ) ( 1 ) ( A ), reporting an account as charged-off and updating it monthly while also assigning or selling the same account constitutes inaccurate and misleading reporting. XXXX XXXX has no legal right to continue furnishing derogatory data if ownership has been transferred. 

Additionally, XXXX XXXX has admitted that no IRS Form XXXX was filed, even though the balance was charged off. This further confirms the account was either sold, reassigned, or unlawfully retained on Kias books without compliance with federal law. 



XXXX. Account Does Not Belong to Me This account belongs to XXXX XXXX and her daughter XXXX XXXX, not me ( XXXX XXXX XXXX ). 
At the time of origination, XXXX XXXX had poor credit, no income, and no valid drivers license. 
The dealership policy clearly requires a licensed driver to take delivery of any financed vehicle. Therefore, I was wrongfully listed or associated due to dealership negligence and Kias failure to verify lawful borrower identity and qualification. 



XXXX. Contractual and Procedural Violations The XXXX XXXX contract specifically states that after vehicle repossession, an attorney would be hired to pursue any remaining balance. XXXX never retained counsel and instead improperly reported the account as charged-off each month, violating its own agreement and UCC guidelines for post-sale notice and deficiency processing. 

Pursuant to UCC 9-611, 9-613, and 9-614, I demand the following documentation : Full proof of transfer assignment, flow agreement, and bill of sale between XXXX XXXX and any third-party debt buyer . 
The final billing statement and insurance claim bearing my name and signature. 
The account-level documentation proving lawful debt ownership and assignment chain. 
A detailed receipt showing the sale price of the repossessed vehicle. 
Verification that XXXX XXXX actually lent the money, including original disbursement records, loan funding verification, and complete breakdown of principal, interest, and fees. 

Failure to produce this documentation within the XXXX period constitutes an admission of unlawful reporting and fraudulent collection activity. 



XXXX. Violations and Monetary Damages Your actions collectively violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), FDCPA 807 ( 8 ), 809 ( b ), and IRS 6050P. 
You are hereby placed on notice that I am preparing a civil claim seeking {$1000.00} per violation, plus actual and punitive damages for financial harm, credit impairment, and emotional distress. 
Each false monthly update and failure to validate constitutes a separate, actionable offense. 



XXXX. Immediate Demands You are required to : XXXX. Delete all XXXX XXXX and Synergetic Communication tradelines, inquiries, and charge-off reporting from XXXX XXXX XXXX XXXX XXXX XXXX days. 
XXXX. Provide written confirmation that the account is closed, released, and will not be sold, reassigned, or reported further. 
XXXX. Supply all documentation requested above to validate ownership and lawful collection authority. 
XXXX. Provide monetary relief and settlement offer for statutory damages prior to legal filing. 

Failure to comply within XXXX ( XXXX ) calendar days will result in : Filing of formal complaints with the CFPB, FTC, XXXX Department of Commerce & Insurance, and State Attorney General, and Initiation of civil litigation seeking full statutory and compensatory damages, attorneys fees, and court costs. 

This letter serves as your final opportunity to correct, delete, and resolve this matter voluntarily before legal proceedings commence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation