Central Portfolio Control Inc.

To Whom It May Concern, I am writing to follow up on a recent debt verification submitted through the CFPB. The response I received from the company did not match the original creditor or debt collector listed on my credit report. Details of the Discrepancy : The company currently reporting the debt : [ Insert company name as listed on your credit report ] The company that responded to the CFPB dispute : [ Insert name of company that responded ] Account number : [ Insert last XXXX digits or full account number ] Date of original dispute : [ Insert date you filed the CFPB complaint ] This discrepancy raises concern about : XXXX. Proper debt ownership and legal standing of the responding company. XXXX. Chain of assignment, which was not clearly proven. XXXX. Possible violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to incorrect reporting and lack of full verification.…

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Central Portfolio Control is reporting a collection account on my credit report for {$56.00} originating from XXXX XXXX XXXX. I was a member of XXXX XXXX XXXX for 8 years ( XX/XX/XXXX to XX/XX/XXXX ). When I closed my account, I brought the balance to XXXX A {$56.00} charge posted after closure without my knowledge. The balance now reflects {$0.00}. I was not given adequate notice of this charge before it was sent to collections. I contacted XXXX XXXX XXXX directly and offered to pay the full amount plus fees. My request for removal was denied. This collection tradeline on a resolved {$0.00} balance is causing significant damage to my credit score, which is currently XXXX on XXXX XXXXXXXX rather than the XXXX range my history supports. I am preparing to apply for a mortgage and the rate impact will cost XXXX XXXX XXXX of dollars. I am requesting that Central Portfolio Control delete this tradeline from my credit report with all three bureaus.

A collection account reported by Central Portfolio Control Inc. on behalf of Texas XXXX XXXX XXXX appeared on my credit report in the amount of {$1000.00}. I have absolutely no knowledge of this alleged debt and never received any initial notice or communication from this company before the account was placed on my credit report. Under the Fair Debt Collection Practices Act, consumers are required to receive an initial written notice of the debt and their right to dispute it. This never occurred in my case. I have repeatedly requested proper validation of this alleged debt, including documentation proving that I owe the debt, the original agreement for the services, and a detailed itemization of the balance. My requests have been ignored for more than 60 days. Despite my disputes, the company continues to report the account to the credit bureaus without providing any documentation verifying the debt. I have attached copies of my disputes and supporting documentation.…

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CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> To Whom This XXXX Concern I am writing in response XXXX your alleged account XXXX XXXX formally dispute the validity of this debt pursuant XXXX applicable federal law. Under the authority of the Fair Debt Collection Practices Act ( FDCPA ) XXXX Fair Credit Reporting Act ( FCRA ), I am disputing any XXXX all claims that I owe the alleged debt referenced in your records. This letter serves as a formal request for validation of the alleged obligation. Pursuant XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ), you are required to provide clear and accurate information regarding the debt.…

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CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Central Portfolio Control. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Central Portfolio Control owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Central Portfolio Control to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account.…

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I am submitting this complaint regarding institutional student loan debt associated with my enrollment at XXXX XXXX University, which has caused significant financial harm and ongoing credit damage. I was enrolled at XXXX XXXX University while the institution was on a probationary status with the U.S. Department of Education. At the time of my enrollment, I was not informed or made aware of this probationary status or any risk associated with the schools accreditation, financial standing, or ability to remain operational. Shortly before I was scheduled to graduate and begin my required clinical hours, the institution abruptly closed. As a result : - I was unable to complete my program. - I could not obtain my degree. - I was unable to transfer my earned credits to any other institution, including schools within New York State such as XXXX. - I effectively lost approximately one and a half years of educational progress.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I just received a letter on the mail and it was a surprise to me and I have no clue because I'm at a new address I don't even know how they got my new address because of the letter it originally have the old address and nobody has my new address so I don't know but at the same time I've been dealing with a lot of identity theft I am a targeted individual and I have been being gang stalked And it keeps affecting my credit score just like the rest I'm having issues with multiple things because of the identity theft

These two companies XXXX XXXX XXXX and XXXX XXXX XXXX scammed be out of {$81.00} combined. I paid {$40.00} each to both companies for a debt that was never there. After the first incident with XXXX XXXX XXXX I paid out of ignorance thinking that this maybe how the clinic is now doing business, but after XXXX XXXX XXXX called requesting the same debt. I figured something was up, but I paid anyway in case I was missing something. I called the clinic afterward and they told me there was never any debt and nothing was ever sent to collections. They would send a bill in the mail first if there was a debt before sending anything to collections. I always pay my bills on time everytime. I was angry at this point because whomever sent these companies information about me gave them false information because it didn't come from the clinic and I want my money back. I have contacted a lawyer as well as major news networks to get this information out to the public.

I requested the original contract signed agreement with Central Portfolio Cont and disputed online on XX/XX/XXXX and XX/XX/XXXX. Then I called to request the above documents on XX/XX/XXXX. When viewing my credit report, I only see them update without acknowledging my request for documentation.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c.…

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Validation of Debt Request - CENTRAL PORTFOLIO CONT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - XXXX - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Validation of Debt Request - CENTRAL PORTFOLIO CONT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Dear Consumer Financial Protection Bureau, I file a complaint regarding a collection account reported on credit reports for consumer Portfolio Collectors.A debt buyer reported an alleged account without proper documentation showing ownership or validity of the debt. I sent a written request for debt validation to the collection company. My request asked for the following records : Original creditor name Full original account number Signed agreement linking my name to the account Complete payment history from the original creditor Proof of legal assignment or purchase of the debt Authority for credit reporting activity The collection company failed to provide sufficient documentation. No signed agreement. No full account history. No clear proof of assignment from the original creditor. Despite this failure, the company continues reporting the account to XXXX XXXX and XXXX. Reporting unverified debt creates inaccurate credit reporting and harms my credit profile.…

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Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. XXXX ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC XXXX XXXX XXXX XXXX ( 2009 ). XXXX ) A copy of any agreement signed with the debt procuring party. XXXX ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. XXXX ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. XXXX XXXX

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

CENTRAL PORTFOLIO XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRAL PORTFOLIO XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

A debt from XXXX is being reported by Central Portfolio Control on my credit report. I do not recognize this account and do not believe this debt belongs to me. I never received any written notice, bill, or communication informing me of this debt or giving me an opportunity to dispute or pay it. I previously disputed this item but it remains on my report without proper verification.It should be removed from my credit report immediately.

RECEIVED A CREDIT ALERT ABOUT A COLLECTION COMPANY CALLED CENTRAL PORTFOLIO CONTROL ON MY TRANSUNION CREDIT REPORT AND SO I CALLED UP THE COMPANY AND I ASKED THEM WHY HAVENT I RECEIVED ANY NOTICE AND THEY CLAIM THAT THEY DID IN XXXX AND I ADVISED THEM THE ONLY TIME I PURCHASED SOMETHING FROM AARONS WAS A LAPTOP ABOUTXX/XX/XXXX YEARS AGO AND I ASKED WHATS THE ADDRESS AND THEY COULD NOT GIVE THAT TO ME AND I HAD ADVISED THEM THAT I WAS A VICTIM OF IDENTITY THEFT AND I EMAILED A COPY OF MY IDENTIFICATION AND POLICE REPORT. HE STATED I PURCHASED A BEDROOM SET BACK INXX/XX/XXXX I BELIEVE HE SAID.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - CENTRALPORTF - XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other i nstrument that created the debt. 4. Verification that you are licensed to collect debts in.

I called several times to identify myself. Then I ask what's this debt collection for and who do I owe? They hang up never resolving the issue. No information just you owe a debt. I've been trying to get answers for years now and it's effectively hurting my credit. I don't know the bill never had a bill owed in that denomination. When I disputed it first they couldn't provide any information. But a few months later they popped on my credit report again still not providing any information to me. They say I owe, but who and can we provide information? They are a scam company that got credited for work not done. They need to be stopped!

I vacated my apartment at XXXX XXXX XXXX XXXX, GA, lease XXXX XXXXXXXX ) on XX/XX/year> with a XXXX balance shown in the official resident portal. I was not evicted, left the unit clean ( photos and walkthrough video available ), and returned keys via a signed paper key release form with a leasing agent present that day. My XX/XX/year> hardship email requesting early termination received no response. The landlords XX/XX/year> statement falsely listed my move-out date as XX/XX/year> and charged {$3500.00} for XXXX rent, utilities, and late fees. After I disputed with proof ( portal {$0.00} screenshot, XX/XX/XXXX documents, clean room photos ), the landlord admitted the actual move-out was XX/XX/year> ( internally notated ), reduced the balance to {$2100.00}, but still claims XXXX rent as accelerated. This collection was reported to credit bureaus. It has already been deleted from XXXX after my dispute.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.