Credit Protection Association, L.P. Debt Collection Complaint

Other (phone, health club, etc.) Cont'd attempts collect debt not owed debt is not mine

Credit Protection Association, L.P. Debt collection department,

Other (phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine North Carolina

The Credit Protection Association attempted to contact me to collect a 4 year old debt. They contacted me multiple times in - of 2015 over the course of a single week. I told them that I required validation of the debt they were trying to collect, and that I did not want to be contacted again until they provided that validation. They contacted me again in -, and I again reiterated that I required validation of the debt and to stop contacting me because they were violating federal law. In - ( around the - ) I got a call from the original owner of the debt, - - - -. After several calls back and forth, they were able to determine that I did not owe the debt and that they would resolve the issue. Imagine my surprise on - - when, still having not received any validation of the debt from the Credit Protection Association, and knowing that I did n't actually owe it, the Credit Protection Association went ahead and reported the account as being in collection to all - major credit bureaus. Now they are telling me that they 'attempted to send me the validation ' and that it is not their responsibility to resolve this issue. They said it will be 30-45 days before they can even get the information back from the original creditor, and that they can take no action before then to resolve their fraudulent reporting to the credit bureaus. This predatory collector has violated several federal laws by harassing me, failing to provide validation of the debt ( no surprise because I do n't owe it ), and fraudulently reporting to the credit bureaus.

Credit Protection Association, L.P. customer in North Carolina
Nov 18, 2015

* Source: CFPB Complaint Database

Credit Protection Association, L.P. response to complaint:
Closed with non-monetary relief

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Contact Credit Protection Association, L.P.
[email protected]
13355 Noel Road, 21st Floor
Dallas TX 75240

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