CONTRACT CALLERS INC – CFPB Complaint 2017-06-19

Date Received: 2017-06-19

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Dear Sir or Madam of the Consumer Finance Protection Bureau, It has come to my attention, on XX/XX/XXXX, Contract Callers Inc. dba CCI, reported an unsubstantiated debt that is the result of identity theft and has previously been resolved with the original creditor of XXXX XXXX XXXX ( XXXX ) and removed from my credit reports during the 4th cyclical period of XX/XX/XXXX. It is further noted, CCI is in direct violation of the FCRA and is therefore liable to me in the amount of {$1000.00} for each occurrence. It is within my federally protected rights to pursue this matter through litigation. To avoid such procedure, I request the CFPB investigate Contract Callers Inc. Dba CCI for their illegal and unethical collection practices. On XX/XX/XXXX an FTC Identify Theft Complaint and Affidavit filed ( XXXX ) On XX/XX/XXXX XXXX, XXXX XXXX and XXXX were notified of the fraud XXXX County Sheriff Police Identity Theft Report Number XXXX On XX/XX/XXXX XXXX account was deleted from my credit report at the direction of XXXX due to fraud in my name. XX/XX/XXXX, Contract Callers Inc, with full account knowledge and full history of the reported fraudulent account reported an active collection account with XXXX. This fraudulent account has already been discussed, investigated, and noted to be fraudulent. At this time, CCI is attempting to circumvent the legal protections of me as a consumer by attempting to collect and report an unvalidated, illegal, proven fraudulent account. At this time, CCI has made no attempt to rectify nor remove its reporting as required by section 605B of the Fair Credit Reporting Act, which states CCI is required to block the fraudulent information on my credit report which is the result of identity theft within four business days.
CCI has, among other charges, : -reported debt which it knew was fraudulent ( CCI failed to review full account detail to reveal the status of the debt as fraudulent ) – Has not validated nor provided the consumer with written notice prior to furnishing information to credit reporting agencies – failed to investigate – willful negligence

See also  EQUIFAX, INC. - CFPB Complaint ID 3053732


State/Zip: CA 902XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2553844

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.