Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OUT TECH, INC.
State: PA

Complaint narrative:
On XX/XX/2021 Bureau Of Account Mgmt violated by rights as a federally protected consumer. I have proof Bureau Of Account Mgmt is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Bureau Of Account Mgmt written consent to report any of my personal information to a third party Credit Bureau.Violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. They have communicated with me at an unusual place which is my credit report. Bureau Of Account Mgmt is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Bureau Of Account Mgmt has harass and harmed my reputation by reporting this information on my credit without consent stop me from receiving services or goods. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Bureau Of Account Mgmt stated they were given consent which is false representation. Bureau Of Account Mgm is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in collection of debt. .

Company response to consumer: Closed with non-monetary relief