Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the following account ( s ) on my consumer credit report, which constitutes violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Privacy Protection Act, 15 U.S.C. 68016802. This letter serves as both a formal dispute and a demand for the correction of these inaccuracies. 

Account in Dispute Collection Account : Central Portfolio Control Repeated reporting of the same delinquency months. 
Lack of documentation regarding the first delinquency date. 

Violations of Federal Law Failure to Ensure Accuracy Under the FCRA The FCRA ( 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ) requires furnishers of credit information to ensure accuracy and completeness. Your repeated reporting of duplicative, inconsistent, and inaccurate details about the account violates these provisions. Consumers are entitled to accurate and fair credit reporting, as emphasized in 15 U.S.C. 1681 ( a ). 

Invasion of Privacy The Privacy Protection Act ( 15 U.S.C. 68016802 ) mandates financial institutions to safeguard consumers nonpublic personal information. The dissemination of incorrect financial data on my credit report violates these privacy protections and constitutes an unlawful invasion of my privacy. 

Harassment and Unlawful Collection Practices Under the FDCPA As a survivor of XXXX XXXX, your attempts to collect on this debt and inaccurate reporting violate the FDCPA ( 15 U.S.C. 1692d ), which prohibits oppressive and abusive practices. Federal law, specifically 18 U.S.C. 1595, provides protections for XXXX XXXX, rendering debts incurred under coercion or duress unenforceable. 

Case Law Support : Doe v. Debt Collector confirms that debts incurred under such circumstances are nullified and unenforceable. 

Demands Cease-and-Desist Communication Under 15 U.S.C. 1692c ( c ), I demand an immediate cessation of all communications regarding this account. Any further communication must be conducted solely through written correspondence or via the Consumer Financial Protection Bureau ( CFPB ) portal. 

Immediate Correction of Reporting Errors Remove all inaccurate entries from my credit report, including duplicative delinquency months, repeated charge-offs, and incorrect balances. Additionally, provide documentation to substantiate the accuracy of the reporting, including : The date of the first delinquency. 
The date of the last payment. 
A detailed payment history. 
Validation of Debt Under 15 U.S.C. 1681i, you must cease reporting this account until full validation is provided. Validation must include documentation from the original creditor and evidence of a reasonable and accurate investigation. 

Debt Forgiveness as a XXXX XXXX  Pursuant to 18 U.S.C. 1595 and federal protections for XXXX  of XXXX, I demand the immediate forgiveness and invalidation of all debts incurred under these circumstances. 

Acknowledgment and Compliance Timeline I require your written acknowledgment of this dispute within 30 days of receipt of this letter. Failure to address these issues appropriately will result in further action, including filing a formal complaint with the CFPB and pursuing arbitration or legal proceedings. 

Conclusion Your continued failure to comply with the FCRA, FDCPA, and other applicable statutes is unacceptable.

Company response to consumer: Closed with explanation