Debt collection -- Attempts to collect debt not owed -- Complaint #7162785
Complaint Overview
Complaint ID: 7162785
Company: Credit CORP Solutions INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Massachusetts
ZIP Code: 01960
Date Received: 2023-06-24T12:00:00-05:00
Date Sent to Company: 2023-06-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against CREDIT CORP SOLUTIONS, INC regarding their debt collection practices. The details of the complaint are as follows : Creditor Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Alleged Debt Amount : {$490.00} Debt Collectors Account Number : XXXX Issue Description : I received a communication from CREDIT CORP SOLUTIONS , INC on [ Date of Initial Communication ], claiming that I owed a debt to XXXXXXXX XXXX XXXX XXXX In response, I disputed the validity of the alleged debt and requested proper verification as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Violation of the Fair Debt Collection Practices Act ( FDCPA ) : CREDIT CORP SOLUTIONS , INC has violated several provisions of the FDCPA, including but not limited to the following : a. Failure to Provide Verification : Despite my explicit request for verification of the alleged debt, CREDIT CORP SOLUTIONS , INC has failed to provide any substantial evidence. They have neglected to furnish any documentation bearing my signature or other valid proof of the debt 's existence. b. False Representation : CREDIT CORP SOLUTIONS , INC falsely claimed to have sent me a verification of the debt, stating that it is a " Second Response to Dispute. '' However, I want to make it clear that I have never received any previous correspondence from CREDIT CORP SOLUTIONS , INC prior to their letter dated XX/XX/2023. Their claim of a " Second Response to Dispute '' is completely false and misleading. Unlawful Collection Attempts : CREDIT CORP SOLUTIONS , INC has engaged in unlawful collection practices by attempting to collect a debt without providing adequate evidence of its validity. They continue to assert their claim without any legal basis or proper documentation. Requested Actions : I request the following actions be taken in response to this complaint : a. Investigation : I urge the Consumer Financial Protection Bureau to initiate a thorough investigation into the debt collection practices of CREDIT CORP SOLUTIONS , INC, specifically regarding their failure to provide proper verification, their false representation, and their claim of a " Second Response to Dispute '' that I have never received. b. Cease and Desist : I request that CREDIT CORP SOLUTIONS , INC be ordered to immediately cease all collection activities related to the alleged debt and refrain from any further communication with me. c. Removal of Credit Reporting : I insist that CREDIT CORP SOLUTIONS , INC promptly request the deletion of any previously reported information concerning this alleged debt from the credit reporting agencies. d. Penalties and Legal Action : I urge the appropriate authorities to impose appropriate penalties and take legal action against CREDIT CORP SOLUTIONS , INC for their unlawful debt collection practices, as outlined in this complaint. Supporting Documentation : Enclosed with this complaint, please find copies of all relevant correspondence, including my dispute letter sent to XXXX and their false claim of a " Second Response to Dispute. '' I appreciate your attention to this matter and your assistance in resolving this dispute. I look forward to your prompt action in investigating and addressing the illegal practices employed by CREDIT CORP SOLUTIONS , INC. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your time and consideration. Sincerely,
Frequently Asked Questions
What is Complaint #7162785 about?
Complaint #7162785 was filed against Credit CORP Solutions INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-06-24T12:00:00-05:00.
How did Credit CORP Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Credit CORP Solutions INC.?
Yes, visit the Credit CORP Solutions INC. company profile at readthecomplaint.com/company/credit-corp-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.