ECMC Group, Inc. – CFPB Complaint 2018-11-24

Date Received: 2018-11-24

Product: I do not know

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: ok this is XXXX XXXX XXXX I writing this complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.. ok I received a debt today XX/XX/2018. stating I owe a debt principal balance XXXX interest XXXX plus there fees and cost of XXXX total balance XXXX.. Now this is a lie I don’t even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a XXXX credit score till they pulled it down low … second they never tried to contact me on the phone or letter till today. However they already put this on my credit report and damaged my credit. they did this on purpose they hurt me financially because I use my credit to acquire income producing assess … they violated the fair credit reporting act .I don’t owe them I don’t know were they get this debt from or who sold them my information but its not my debt … third of all they never gave me a change to see what this debt is about before they put this reaged debt on my credit report .. I demand they take it off my credit report IMMEDIATELY.I DONT KNOW ABOUT THIS DEBT THE LETTER DOES NOT TELL ME WHAT THE DEBT IS FOR AND WHO FROM THE ORIGIN CREDITOR. THEY JUST PUT IT ON MY CREDIT REPORT BEFORE THEY INFORM ME OF ANY THING. THIS IS A COMPLETE VIOLATION OF MY RIGHTS AND THE FDCRA FAIR DEBT CREDIT REPORTING ACT I WANT THIS OFF MY CREDIT REPORT FAST AND NOW.

Company: ECMC Group, Inc.

State/Zip: MA 01118

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3082001

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