Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
I have already filed a CFPB complaint on XXXX XXXX XXXX XX/XX/XXXX # XXXX that has now closed. I filed another one also before due to inaccuracies, mistakes, misrepresentation, incorrect amounts, and unlawful/unauthorized selling of my information to third parties without my written agreement/consent or acknowledgement.... CFPB should reflect back to XXXX # XXXX and # XXXX where I received a charge off on my credit reports and a judgement against me XX/XX/XXXX from " XXXXXXXX XXXX XXXX '' for XXXX XXXX XXXX stating I owed {$8900.00}. At the time XXXXXXXX XXXX XXXX stated they were not creditors but attorneys. Although, when I called it stated they were " debt collectors attempting to collect a debt ''. I made several payments to XXXXXXXX XXXX XXXXXXXX. I also received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX stating they were " debt collectors trying to collect a debt that I allegedly owed to Velocity Investments LLC. Saying I had an account with XXXX XXXX which is now owned by Velocity Investments LLC. We will use any information you give us to help collect this debt. '' This total amount of this debt stated {$5400.00}. Which is also incorrect. As I owe no debt to XXXX XXXX XXXX XXXX or Velocity Investments LLC. Nor do I have any signed agreements or accounts with them. Now I am receiving a court notice " letter from XXXX mail prepaid postage '' with Case No : XXXX from Velocity Investments LLC stating " Notice of Substitution of Counsel and Assignment of Judgement '' with a sum stated of {$10.00}, XXXX. This so called debt has been illegally sold/sent to several different parties without my written or verbal consent/agreement of sharing my personal information. I have yet to receive a XXXX for this debt that was listed originally by XXXX XXXX as a charge off on my credit reports. It still affects my credit to this day. Now its being sold again to another third party Velocity Investments LLC. This is unlawful. I would like a letter of debt validation, a full and complete history of all payment information for this alleged debt. I would also like a forward flow agreement from all parties that XXXX XXXX has sold this debt to or shared my personal info with. And, I would like a chain of assignment based on 15 USC code 6802. I would like any/all info that was shared with my leagal name on it. I need an original contract that has my signature on it stating I have an account with XXXX XXXX XXXX XXXX and and/or Velocity Investments LLC or whomever else XXXX XXXX has unlawfully shared my personal/consumer information to/with. Based on Rule 60 ( b ) I can file to seek grounds for relief in court due to XXXX XXXX illegal debt collection practices, mistakes, misrepresentation, inaccurate information and other misconduct of all the third parties that my personal information has been shared with. I would also like this negative report removed from all XXXX of my credit reports ( XXXX XXXX XXXX ). This is a result of unfair, deceptive, abusive practices based on 15 USC 1692 of the FDCPA. Several unlawful actions and violations have taken place within this situation. Please send all info I requested. Thank you! 

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Company response to consumer: Closed with explanation