Consumer complaint received 2023-09-20 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: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
Credit Corp Solutions CCS Doing Business As TASMAN CREDIT CORP TCC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX TOLL : XXXX Sent a letter to me XXXX XXXX A Consumer stating a debt obligation was due {$730.00} TCC threaten they would submit negative information to credit reporting agencys if I did not pay them. TCC demanded that I contact them to make payment arrangements. TCC stated that I call them and provided me with a phone #. TCC stated they would work with me to resolve my account in a fair & practical way. TCC also stated This communication is from a debt collector. This is an attempt to collect a debt and any information obtain will be used for that purpose. Then said Yours Faithfully XXXX XXXX This is the second communication from this debt collector about this allege debt.

Credit Corp Solutions & TASMAN CREDIT CORPORATION has violated the Fair Debt Collection Practice Act CCS & TCC has stated they were a debt collector & any information obtain would be use for that purpose. 
Pursuant to the Fair Debt Collection Practice Act their are certain laws and procedures debt collectors have to follow.

The purpose of this ACT is to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

CCS & TCC has NOT follow these laws & procedures. They have violated Title 15 u.s. Code 1692g ( a ) ( 3 ), Title 15 u.s. Code 1692g ( a ) ( 4 ), Title 15 u.s. Code 1692g ( a ) ( 5 ), Section 809a ( 3 ) of the FDCPA, Section 809a ( 4 ) of the FDCPA, Section 809a ( 5 ).

Title 15 u.s. Code 1692g ( a ) States Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing CCS & TCC never provided me any written notices statements pursuant to Title 15 u.s. Code 1692g ( a ).

No statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; No a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

No a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

These are clear violations of the Fair Debt Collection Practice Act.

Title 15 u.s Code 1692k states Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or CCS & TCC is liable for damages to me a consumer cause be them! Having to open mail and be frighten and threaten if you dont pay some alleged debt your character would be defame. That negative information would be provided to third parties and different agencies. This has cause emotional damage to me and my family. My fianc now thinks Im not good with money.

Credit Corp Solutions & TASMAN CREDIT CORP has to answered for these damages & violations not following the Fair Debt Collection Practice Act laws and procedures The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

Company response to consumer: Closed with explanation