Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: MD

Complaint narrative:
Today, XX/XX/year>, I received a voicemail from Central Portfolio Control. As I thought it was a SPAM call, I looked it up on the internet. It is a debt colletction agency. I did not return the call as I prefer all business be condcuted through USPS Postal Mail for record keeping purposes. I have yet to recieve written notification from them.

I had to literally look them up on the internet, go to their website and discover my name and social security number attached to an alleged debt. I tired to contact them via their website to dispute this alleged debt ; However, instead of an offical dispute portal, it is a contact form. The contact form does not allow enough space to include all pertinent information to initiate Debt Validation. As I have yet to receive any formal, written notification from them, informing me of my rights, I am initiating this. 

In addition, Central Portfolio Control is referencing XXXX XXXX XXXX XXXX XXXX as well. At this point, I am unclear of who owns what. With that being said, below is the Debt Validation Letter that I would like for CFPB to send to these folks. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -BREAK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 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 XXXXXXXX Dear Collector : I am writing in response to a voicemail message that you left on my phone on XX/XX/year>. I am disputing this debt. I do not owe what you say I owe. 
As you should know, any attempt to collect an unvalidated debt violates the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt and provide me with the following documentation : The full name and address of the original creditor. 
The date on which the alleged debt was incurred. 
The service or merchandise provided for the debt. 
A copy of the applicable contract giving rise to the debt.

Proof that you are licensed to collect debt in Maryland.

A Bill of Sale between the original creditor and yourself.

Verification or a copy of any judgment against me.

The last four digits of my Social Security Number.

My full name and address at the time the debt was allegedly incurred.

A copy of the underlying account statement and other written validation of the debt. 
A summary of any payment history on the debt, including proof of last payment on the debt. 
A full itemization of the debt, including a breakdown of the total principal, interest, fees, and any other charges. 

Until it is validated, your information concerning this debt is assumed to be inaccurate. If you have reported this debt to any credit-reporting agency or Credit Bureau , you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. 

If you do not own this debt, you must immediately send a copy of this letter to the original creditor to alert them that I dispute the debt. 

Should you pursue a judgment without validating this debt, I will file an Answer requesting dismissal without prejudice based on your violations and failure to comply with the FDCPA. Be advised that I will report any violations of the law to the ( your state ) Attorney General and the Federal Trade Commission. 

In addition, I am requesting that all correspondence to me be initiated via USPS Postal Mail. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation