Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Re : Violation of FCRA, Violation of FDCPA To Whom It May Concem : This notice is to inform you that COMMONWEALTH FINANCIAL SYSTEMS have unlawfully reported alleged debts to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021. 


You have violated the FDCPA 1006.30a and its new rule by parking these alleged debts on my consumer reports. Cease and Desist the reporting of the alleged debts, or I will escalate this matter to taking legal action. 


I XXXX XXXX have not given COMMONWEALTH FINANCIAL SYSTEMS written permission to report anything on my consumer report as required pursuant to XXXX XXXX XXXX. 



You have No permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 


I XXXX XXXX, NEVER have ANY written contract of ANY accounts with CommonWealth Financial Sys as alleged on my consumer reports. 

YOU have ILLEGALLY Re-Aged these accounts which is Prohibited by law. 

YOU, NOR BLUFF XXXX  XXXX XXXX  XXXX IS NOT THE ORIGINAL CREDITORS OF THESE BOGUS ACCOUNTS. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX Code XXXX - False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt YOU HAVE VIOLATED THE FCRA. and FDCPA. 

I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST CommonWealth Financial Sys.

15 USC 1681 s-2 Says YOU, COMMONWEALTH FINANCIAL SYSTEMS are a furnisher of information to a consumer reporting agency.

Pursuant to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION : ( A ) Reporting information with actual knowledge of errors- A person shall not furnish any information relating to a consumer to any consumer reporting agency. if the person knows or has reasonable cause to believe that the information is inaccurate.

In conclusion, YOU, CommonWealth Financial Systems have been put on notice that you are reporting INACCURATE and UNLAWFUL information, The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681S-2 of your responsibilities as a furnisher of information.

This is a final opportunity, PROMPTLY delete the erroneous, inaccurate re-age accounts and misleading information from ALL consumer reporting agencies that you have reported them to at once.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

YOU have 10 Calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORTS!

OR, I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.

cc : Florida State Attorney

Company response to consumer: Closed with explanation