Debt collection -- Attempts to collect debt not owed -- Complaint #18070990

Debt Collector Ignores Settlement, Pursues Invalid Debt

Complaint Overview

Complaint ID: 18070990

Company: Cng Holdings INC

Product: Debt collection

Sub-Product: Other debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Illinois

ZIP Code: 60419

Date Received: 2025-09-30T12:00:00-05:00

Date Sent to Company: 2025-12-17T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Risk Assessment

Risk Level: high

The debt collector's continued attempts to collect a debt that the consumer has proven is invalid, and which is subject to a settlement agreement, pose a significant risk of violating consumer protection laws.

Consumer Sentiment: negative

Topics: Debt Collection, Identity Theft, Consumer Protection

AI Analysis

CFPB complaint 18070990 was filed against CNG HOLDINGS INC regarding Debt collection (Other debt), specifically about "Attempts to collect debt not owed". A consumer is complaining that CNG HOLDINGS INC. is attempting to collect a debt that is not owed, despite providing proof of a settlement agreement and an FTC Identity Theft Report. The complaint was received on September 30, 2025 from Illinois. The company responded with "Closed with explanation".

Consumer Narrative

I am filing this complaint against XXXX XXXX XXXX for continuing to attempt collection and furnish inaccurate information regarding an alleged debt from XXXX XXXX in the amount of {$810.00}. This account is not legally owed. In XXXX, Illinois XXXX XXXX XXXXXXXX XXXX, along with a bipartisan coalition of states, entered into a settlement with XXXX XXXX. The settlement required : All existing XXXX leases to be canceled, with consumers allowed to retain merchandise without any further financial obligation. XXXX XXXX to cease reporting negative information to consumer reporting agencies. I have provided proof of this settlement by uploading the public release from the Illinois XXXX XXXX XXXX. I also included my FTC Identity Theft Report showing additional fraud concerns connected to my identity. Despite this evidence, XXXX XXXX XXXX disregarded my complaint and closed it as duplicate. This is unacceptable, as the documentation clearly shows that the alleged debt is void and unenforceable. By continuing to attempt collection and by furnishing this account to Experian ( and potentially other credit bureaus ), XXXX XXXX XXXX is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

What You Should Do -- Consumer Action Plan

Consumers should gather all documentation related to settlements, identity theft, or proof that a debt is not theirs, and clearly communicate this information to debt collectors, escalating to regulatory bodies if necessary.

Legal Context & Consumer Protection Laws

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not legally owed.

Regulatory Insight

Debt collectors must thoroughly investigate disputes and cease collection activities when presented with credible evidence that a debt is invalid or has been settled.

Resolution Likelihood

likely

State-Specific Consumer Protections

Illinois has been involved in state-level actions, including settlements, that impact debt collection practices within the state.

Industry Comparison

This situation highlights a common issue where debt collectors may fail to properly investigate or honor prior agreements, leading to consumer harm.

Related Issues

Fair Credit Reporting Act (FCRA)

Frequently Asked Questions

What is CFPB complaint 18070990 about?

CFPB complaint 18070990 involves Debt collection (Other debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against CNG HOLDINGS INC on September 30, 2025.

Which company is complaint 18070990 filed against?

Complaint 18070990 was filed against CNG HOLDINGS INC. You can view all complaints against this company on their profile page at /company/cng-holdings-inc.

What was the company's response to complaint 18070990?

CNG HOLDINGS INC responded with "Closed with explanation". The response was marked as timely by the CFPB.

When was complaint 18070990 filed?

Complaint 18070990 was received by the CFPB on September 30, 2025. It was sent to CNG HOLDINGS INC on December 17, 2025.

What state was complaint 18070990 filed from?

Complaint 18070990 was filed from Illinois. You can view all complaints from this state at /state/IL.

Was the consumer satisfied with the resolution of complaint 18070990?

Dispute information is not available for complaint 18070990.

What product category is complaint 18070990 about?

Complaint 18070990 is categorized under "Debt collection", specifically "Other debt". This is one of the product categories tracked by the CFPB.

How was complaint 18070990 submitted?

Complaint 18070990 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

What are the consumer's legal options for complaint 18070990?

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not legally owed. This relates to a Debt collection complaint against CNG HOLDINGS INC involving "Attempts to collect debt not owed".

How likely is complaint 18070990 to be resolved?

Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.

What does the risk level mean for complaint 18070990?

This complaint is rated as high risk. The debt collector's continued attempts to collect a debt that the consumer has proven is invalid, and which is subject to a settlement agreement, pose a significant risk of violating consumer protection laws.

What regulatory actions apply to complaint 18070990?

Debt collectors must thoroughly investigate disputes and cease collection activities when presented with credible evidence that a debt is invalid or has been settled. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.

What should the consumer do about complaint 18070990?

Are there state-specific protections for complaint 18070990?

Illinois has been involved in state-level actions, including settlements, that impact debt collection practices within the state. This complaint was filed from Illinois.

How does complaint 18070990 compare to industry norms?