CFPB Complaint

Ideal Collection Services, Inc. – CFPB Complaint ID 2579942

Consumer Complaint Submission

Date Received: 2017-07-19T00:00:00

Product: Other debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Ideal Collection Services , Inc. located in XXXX, FL Registering Agent : XXXX XXXX, XXXX XXXX, Account Manager, XXXX XXXX, and Attorney XXXX XXXX XXXX, XXXX are breaking many serious Federal & State laws by trying to collect on an Account that is past, The Statue of Limitation time in The State of Florida, they also have failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires, Ideal Collections to Send me a Copy of the Original Wet-Inked Contract that I signed, and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, Ideal Collections is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my Credit Report, and copies of copies are not Validation and are not considered proof for this account Ideal Collections has on my Credit. Ideal Collections continues to only send me a copy of a copy of another company that was not theirs, in which is not acceptable at all, according to the Fair Credit Reporting Laws. With this being done there was never any way for me to have any mistakes or erroneous reporting corrected from the other company, and I requested and am now still requesting the Original instrument indebtedness of it ‘s original form, which is not a copy, but the original written agreement with my Wet-Ink Signature on it. Once this is provided, I am willing to accept a statement for the amount owing as of X/X/13 together with Ideal Collection Services , Inc. ‘s Assurance that they will Accept Payment in direct and in immediate exchange for the Original Instrument of indebtedness in it ‘s original form only. In addition, we also have another issue that was not addressed at all by Ideal Collections, which is this account is now violating Florida State Collection Laws ; because it is way past The Statue of Limitation. If Ideal Collections does n’t remove this account immediately or provide me with the Original Instrument, then it will leave me no choice but to report them publicly to The State Attorney General ‘s Office, Federal Trade Commission, Better Business Bureau, and pursue taking Civil & Criminal legal action against them for breaking Federal and State Laws, as well as turning this into a possible Class Action Lawsuit for others to join in ; because I know there are other consumers who are being abused and are suffering by their fraudulent collection practices. I am asking for Ideal Collection Services , Inc. to provide that Original Contract/Instrument of indebtedness, and not a copy, to Me and show proof to The Consumer Financial Protection Bureau of being in compliance with Federal & State Laws to avoid Civil & Criminal Liability.

See also  WELLS FARGO & COMPANY - CFPB Complaint ID 3016683

Company: Ideal Collection Services, Inc.

State/Zip: FL 338XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2579942

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