Debt collection -- Attempts to collect debt not owed -- Complaint #20803973
Debt Collector Pursues Discharged Bankruptcy Debt
Complaint Overview
Complaint ID: 20803973
Company: Central Portfolio Control INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Illinois
ZIP Code: 61201
Date Received: 2026-03-31T12:00:00-05:00
Date Sent to Company: 2026-03-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
Attempting to collect a debt that has been legally discharged in bankruptcy is a violation of federal law and can result in significant penalties.
Consumer Sentiment: negative
Topics: Debt collection, Bankruptcy, FDCPA
AI Analysis
CFPB complaint 20803973 was filed against Central Portfolio Control Inc. regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against Central Portfolio Control Inc. for attempting to collect a debt that had already been discharged in bankruptcy. The complaint was received on March 31, 2026 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should immediately inform debt collectors in writing that a debt was discharged in bankruptcy and provide proof of discharge if possible.
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
Regulators view attempts to collect discharged debts as a serious violation, indicating a potential pattern of misconduct by the debt collection agency.
Resolution Likelihood
likely
State-Specific Consumer Protections
Illinois law may offer additional protections or remedies for consumers in cases of improper debt collection practices.
Industry Comparison
This practice is a common but serious violation within the debt collection industry, often stemming from poor record-keeping or aggressive collection tactics.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20803973 about?
CFPB complaint 20803973 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt was already discharged in bankruptcy and is no longer owed". This complaint was filed against Central Portfolio Control Inc. on March 31, 2026.
Which company is complaint 20803973 filed against?
Complaint 20803973 was filed against Central Portfolio Control Inc.. You can view all complaints against this company on their profile page at /company/central-portfolio-control-inc.
What was the company's response to complaint 20803973?
Central Portfolio Control Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20803973 filed?
Complaint 20803973 was received by the CFPB on March 31, 2026. It was sent to Central Portfolio Control Inc. on March 31, 2026.
What state was complaint 20803973 filed from?
Complaint 20803973 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 20803973?
Dispute information is not available for complaint 20803973.
What product category is complaint 20803973 about?
Complaint 20803973 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20803973 submitted?
Complaint 20803973 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 20803973?
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 Central Portfolio Control Inc. involving "Attempts to collect debt not owed".
How likely is complaint 20803973 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 20803973?
This complaint is rated as high risk. Attempting to collect a debt that has been legally discharged in bankruptcy is a violation of federal law and can result in significant penalties.
What regulatory actions apply to complaint 20803973?
Regulators view attempts to collect discharged debts as a serious violation, indicating a potential pattern of misconduct by the debt collection agency. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20803973?
Consumers should immediately inform debt collectors in writing that a debt was discharged in bankruptcy and provide proof of discharge if possible.
Are there state-specific protections for complaint 20803973?
Illinois law may offer additional protections or remedies for consumers in cases of improper debt collection practices. This complaint was filed from Illinois.
How does complaint 20803973 compare to industry norms?
This practice is a common but serious violation within the debt collection industry, often stemming from poor record-keeping or aggressive collection tactics.
What steps should a consumer take if a debt collector contacts them about a debt discharged in bankruptcy?
The consumer should send a written notice to the debt collector stating the debt was discharged in bankruptcy and include a copy of the discharge order. They should cease communication with the collector and consult with an attorney if the collector continues to pursue the debt.
Can a debt collector be sued for attempting to collect a discharged debt?
Yes, a debt collector can be sued under the FDCPA for attempting to collect a debt that has been discharged in bankruptcy. Consumers may be entitled to damages, including statutory damages and attorney's fees.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.