Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
DURING THE CFPB PREVIOUS INVESTIGATION " XXXX '' THE SOS GROUP OUTRIGHT LIED TO THE CFPB, THAT THE DEBT WASN'T SOLD IN THEIR RESPONDS. I HAVE ENCLOSED A LETTER FROM XXXX XXXX XXXXXXXX XXXX XXXX STATING ON XX/XX/XXXX THAT THE DEBT WAS SOLD TO THEM THE SOS GROUP THATS ALSO PART OF DOUBLE REPORTING OF THIS DEBT ON ALL MY CREDIT REPORTS. 

IF THIS WAS A TRUE STATEMENT THERE WOULDN'T BE TWO DIFFERENT ACCOUNT NUMBERS FOR THIS ALLEGED DEBT BEING REPORTED ILLEGALLY ON MY REPORTS.

NO COMPANY SHOULD BE ABLE TO LIE TO THE CFPB. 



RESPONSE TYPE Closed with explanation Company 's Response " Account was not sold. Validation of debt sent. XXXX XXXX is original creditor. HMC was previous name of collection agency used by XXXX XXXX. SOS is current name of collection agency that was previously HMC and is used by XXXX XXXX to collect debts that aren't paid when they are due. '' XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXXXXXX  PRODUCT Debt collection ISSUE Attempts to collect debt not owed We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This company is constantly reporting inaccuracies on all my credit report. A resent dispute with the CFPB show that the SOS GROUP only provided an alleged contract and THAT WAS IT! Under Ohio State laws and Federal laws an alleged original contract isnt enough to verify debt. The CFPB HAS THE PROOF need to prove that the SOS / HMC is purposely violating my rights under state and federal credit laws. In Ohio In Ohio, a debt collector must provide proof of debt, including the original contract or credit agreement, documentation of debt transfer, and a detailed account history. You can request this validation by sending a certified letter and should dispute any debts you don't recognize within 30 days. Elaboration : * Original Contract/Agreement : The collector must provide a copy of the original signed agreement that created the debt, like a credit card agreement or loan contract. * Debt Transfer Documentation : If the debt has been sold or transferred, the collector needs to show the chain of ownership, such as a bill of sale or assignment. * Account History : A detailed history of the debt, including payments, charges, and any related statements, is also required. Under FCRA / AMERICA * Original Contract/Agreement : A copy of the original signed agreement between the parties. * Chain of Ownership : If the debt was sold, documentation showing the transfer of ownership. * Detailed Accounting : A record of all payments, charges, and interest. * Final Account Statement : The original creditor 's statement showing the debt being charged off. 

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View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Account was not sold. Validation of debt sent. XXXX XXXX is original creditor. HMC was previous name of collection agency used by XXXX XXXX. SOS is current name of collection agency that was previously HMC and is used by XXXX XXXX to collect debts that aren't paid when they are due. 
Feedback requested STATUS Feedback requested on XX/XX/XXXXXXXX  FEEDBACK DUE XX/XX/XXXXXXXX  Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. 

Submit your feedback Closed The CFPB has closed your complaint.

Company response to consumer: Closed with explanation