Debt collection -- Written notification about debt -- Complaint #9835098

Complaint Overview

Complaint ID: 9835098

Company: Clgf Holdco 1, LLC

Product: Debt collection

Sub-Product: Credit card debt

Issue: Written notification about debt

Sub-Issue: Didn't receive notice of right to dispute

State: New Jersey

ZIP Code: 08854

Date Received: 2024-08-17T12:00:00-05:00

Date Sent to Company: 2024-08-17T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American, Servicemember

Consumer Narrative

Inaccurate and Non-compliance information on my Consumer Report. A certified letter was sent to FEB Destiny ( Exhibit A ). FEB Destiny, the creditor, signed for the letter on XX/XX/year>. The correspondence concerned FEB Destiny issuing me a 1099-C form in connection with an illegal charge-off, which was never provided to me. On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX, a debt collector ( Exhibit B ). In this letter, I informed them that they were in violation of FDCPA Section 1006.30 ( a ) ( the " no parking rule '' ) for reporting negative information on my consumer report without first notifying me On XX/XX/year>, another certified letter was sent to XXXX XXXX XXXX, referenced as " Exhibit C.-1 '' This letter served as my First Amendment dispute letter, as I had to resend it to include my identification and a redacted bank statement. It was also marked as Amendment # 1, as it contained a copy of my driver license and a redacted bank statement, " Exhibit C.-2 '' A certified/Notarized letter was sent to XXXX XXXX XXXX, XXXX XX/XX/year>, " Exhibit D '' as Amendment # XXXX, due to Incorrect account & account # A certified/Notarized letter was sent to XXXX Exhibit E '' was sent to XXXX XXXX XXXX XXXX dated XX/XX/year> and was sign for on XX/XX/year>. This letter reference the duties of a CRA ( Consumer Reporting Agency ) starting with 1. 15 USC 1681e ( b ) Compliance and Procedures 2. 15 USC 1681s-2 ( 7 ), Negative information ( A ) Notice to consumer required 3. 15 USC 1681i ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy & reinvestigation required On XX/XX/year>, I received a letter package from Concora Credit Inc . This letter included an account package detailing the account 's history from its inception until it was closed. The package was dated XX/XX/year>, but received on XX/XX/year>, which constitutes a violation of 12 CFR 1006.34 ( c ). Exhibit F On XX/XX/year>, I sent a follow-up certified/Notarized dispute letter to Concora Credit Inc., addressed to `` Attention : Arbitration Demand '' at XXXX XXXX XXXX, XXXX, OR XXXX XXXX In this letter, labeled as Exhibit G, I requested arbitration and disputed the entire alleged debt under 12 CFR 1006.34 ( c ). Additionally, I detailed the violations committed by Concora Credit Inc., including a breach of New Jersey 's usury laws. The laws that were violated : 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2 ( 7 ), 12 CFR 1006.34 ( c ), 15 USC 1692g , 15 USC 1681n ), 15 USC 1681o , 15 USC 1692k and Usuary law for New Jersey

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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