Date Received: 2017-06-26T00:00:00
Product: I do not know
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I discovered on my credit reports a collection from Credit Protection Associates. I had never heard of these people and have no idea what this debt is. I read The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to find out what my rights are. The debt collector is required to provide accurate, verifiable and timely information to the credit bureaus. The credit bureaus, on my request, initiated an investigation into this matter as per FCRA. I received a letter from Credit Protection Associates ( attached ) that they can not verify the account as ” true or false ” so they are placing ” on hold ”. This is not an option. They either validate this on demand or they MUST delete it as it is not accurate, not verifiable. THEY ADMIT THEY CAN NOT VERIFY THIS. They are in CLEAR violation of Federal law! This must be deleted from all credit bureaus and attempts to collect must cease and desist. Also note on their letter no where does it mention ” this is an attempt to collect a debt ” nor spell out my rights to dispute. ADDITIONAL VIOLATIONS OF FEDERAL LAW!
Company: Credit Protection Association, L.P.
State/Zip: NC 288XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2558594
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