Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
I am writing to file a formal complaint and dispute regarding an account allegedly held by Tempoe LLC, which is currently being managed by XXXX XXXX XXXX and reported to the credit bureaus by XXXX XXXX XXXX. 

I first became aware of this account when I reviewed my credit report, as I have no recollection of ever having entered into a lease or credit agreement with Tempoe LLC. Upon noticing this on my report, I immediately reached out to XXXX XXXX XXXX for clarification. They, in turn, directed me to XXXX XXXX XXXX, who is apparently managing the debt. 

As part of my dispute, I requested a debt validation from XXXX XXXX XXXX. The documents they provided, which I have attached for your reference, do not contain any signature, identification, or any form of proof that I ever consented to or authorized this account. The validation documentation lacks any evidence of my agreement to this debt. 

Furthermore, I would like to bring to your attention the consent order issued by the Consumer Financial Protection Bureau against Tempoe LLC. This order permanently bans Tempoe LLC from offering or providing consumer leases and requires them to release all consumers from their existing lease agreements without further financial obligation. This order should logically encompass the account being reported in my name. 

Despite providing XXXX XXXX XXXX and XXXX XXXX XXXX with the aforementioned court order and disputing the legitimacy of this account due to the lack of proper validation, both companies have failed to take any action to remove this account from my credit report. This inaction has caused undue harm to my credit, and I believe it is in direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

As such, I am requesting the following : Immediate removal of this account from all credit reports : Due to the lack of proper debt validation and the application of the CFPBs consent order against Tempoe LLC, this account should not be reported. 

Investigation of XXXX XXXX XXXX and XXXX XXXX XXXX : Both companies have refused to remove the account from my credit report despite being presented with the lack of validation and the CFPBs enforcement order against Tempoe LLC. 

Appropriate penalties or corrective actions : I request that the CFPB ensure that both XXXX XXXX XXXX and XXXX XXXX XXXX are held accountable for their failure to act in accordance with consumer protection laws and the court order. 

I have attached all relevant documentation, including the consent order from the CFPB, the correspondence from XXXX XXXX XXXX, and the debt validation documents ( which do not contain any signature or evidence of my consent ). 

I would appreciate your swift attention to this matter, as it continues to impact my financial standing. If any further information is needed, please feel free to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation