Central Portfolio Control Inc.

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

Central Portfolio Control has furnished derogatory credit information to credit reporting agencies including but not limited to XXXX about a debt which I am not liable to them for. This information has damaged my credit standing and credit score which I use for personal, family, and household purposes. As a result, I am suffering damages. The information being furnished is false and misleading. It was never officially validated and should not have been shared without consent obtained directly from me before sharing with another person. Such actions are dangerous and can seriously injure a XXXX. I am serving notice to them through this complaint to immediately cease use of my legal name to report this information and provide to me the documents obtained and use to give rise to this information.

I received a notice on XXXX XXXX, Dated XX/XX/year>, from a company called Central Portfolio Control based on Minnesota saying I owed a debt to a hospital in Texas. The notice offered a settlement payment, but no information about disputing the debt. In reviewing my credit report, the company filed an over 90 day late status to the credit report, citing an initial collection date opened in XX/XX/year>, and in XXXX filed the derogatory update which dropped my credit by XXXX points without me having any knowledge of the issue. Now beyond lying about the date opened, and not informing me of an issue with a letter until XXXX months after filing the fraudulent date with the credit reporting companies, I have not lived in Texas for XXXX years, do not know if this is an actual debt, have not used my married name that was on the collection note for more than XXXX years, and been divorced for XXXX years.…

XXXX XXXX XXXX is reporting a collection account on my XXXX credit report in the amount of {$1600.00}, listing XXXX as the original creditor. I do not recognize this account as reported, and I am not acknowledging this debt. This collection account caused substantial credit harm, including a major decrease in my XXXX XXXX XXXX. Despite the severity of the reporting, XXXX XXXX XXXX has not provided sufficient validation or documentation proving that this account belongs to me. XXXX is being listed as the original creditor, but neither XXXX nor XXXX XXXX XXXX has clearly identified the actual originating partner, product, application records, address used, account history, ownership records, or authorization records supporting this collection. I have also identified concerning address information associated with this matter that does not belong to me. XXXX XXXX XXXX is maintaining damaging credit reporting without providing the basic records necessary to verify the debt.…

This was on XX/XX/year> around XXXXXXXX XXXX. I received a letter from a collection agency saying I owe a debt. I have never received any previous bills about this supposed debt until this collection notice. There is no date of when this supposed debt was incurred. The claim is that it is a medical debt. I called my insurance provider XXXXXXXX XXXX XXXX XXXX XXXX XXXX and they checked my records. No debt matching this amount or description is on file. My agent at XXXX called the collection company and the first thing they wanted from my XXXX agent was my full social security number, which she refused to divulge. Then she put me on a third line with him, and the first thing he wanted was my birthdate. I would not give that information to him. Then he very rudely said, " If you will not give me any personal information, I can't help you '' and then hung up. Something is definitely not right about this whole situation.…

Central Portfolio Control is attempting to collect an inaccurate {$40000.00} balance originating from an in-house private student loan with XXXX / XXXX XXXX XXXX I originally attended in XXXX and have re-enrollment records from XXXX. In XXXX, I made a minimum payment to secure my transcripts. Since then, the school was shut down for widespread consumer fraud. Following an official government investigation, the U.S. Department of Education issued a total XXXX XXXX discharge on 100 % of my federal loans for this school due to institutional misconduct. I initiated an automated credit dispute on XX/XX/XXXX of this year via a third-party application, but due to conflicting system errors and automated loops between the credit bureaus, the investigation was never properly executed. Under the federal FTC Holder Rule ( 16 CFR Part 433 ), this private contract inherits the seller 's fraud and is legally void, meaning it can not be legally collected or reported.

Central Portfolio Control is violating the Telephone Consumer Protection Act ( TCPA ) by constantly contacting me about an alleged debt. I dispute owing this company have they have provided me no information for me to identify what allege debt I owe. Stop contacting me and send me debt validation via mail only. Any further contact will result in a lawsuit.

I am not liable for this debt with CENTRAL PORTFOLIO CONT. They did not provide me with the original contract as I requested. I am a victim of identity theft. please remove this from my credit report immediately.

Central portfolio control reported an account for XXXX dollars XXXX my credit reports. I have no knowledge of this debt XXXX am disputing the debt in its entirety.

I ordered a phone and it says it was delivered but I never received them. I contacted this company and let them know that the phone was missing and I hadnt activated it yet and they still tried to hold me accountable and make me pay even though I never activated the phone or received it

Central Portfolio Control Inc, located atXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, and licensed in the State of Arizona, with Collection Agency License/Registration XXXX XXXX XXXXXXXX. This company sent me to XXXX with out the chance to verify or dispute the debt which may be a violation of the Fair Debt Collection Practice Act ( FDCPA ) 15 U.S section 1692g. This is regarding a medical debt for XXXX XXXX XXXX XXXX. I do not have an account #. I have disputed this multiple time and Experian has not helped.

There is a collection on my credit report from a medical facility Ive never been to. Ive tried disputing it, but it has not been resolved. It is in the amount of {$1600.00}.

XX/XX/XXXX of XXXX I sent a cease and desist and verification of debt letter to multiple collection agencies stating I owe this debt. I have not received any information validating the debt stated that was owed.

XX/XX/XXXX, we emailed the our manager that we could no longer live in our unit because of my father 's health concerns. My father has XXXX and many of our neighbors smoke XXXX, we raised these concerns as well as loud neighbors late at night ( XXXX for example ), but the managers didn't enforce anything as this kept happening. After we had submitted our request the manager kept delaying when we would get our " move out forms ''. They then asked for a doctor 's note which we had to make an appointment for further delaying it. We got the doctor 's note and filled out their NOTICE TO VACATE document which is dated with a " scheduled move-out '' date of XXXX. We submitted that document on the XXXX of XXXX with our move out date of the XXXX of XXXX. We left our keys on the XXXX of XXXX and were moved out by then. Because it was a Sunday and their office was not open, we left our keys on the counter and took a picture as I have done in the past with other landlords.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX South Carolina CENTRAL PORTFOLIO CONT XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Account Number : XXXX XXXX XXXX XXXX XXXX Amount : CENTRAL PORTFOLIO CONT - XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Subject : Failure to Correct Inaccurate Credit Reporting After Prior Dispute and Completed Reinvestigation To Whom It May Concern, I am filing this complaint regarding XXXX continued reporting of inaccurate credit information after a completed dispute process that did not result in correction. The account in question is : * Creditor : XXXX XXXX XXXX XXXX This account was included in my XXXX XXXX bankruptcy filed in XX/XX/XXXX and discharged in XX/XX/XXXX. The debt has been legally discharged and should not report an active balance or incorrect account status. Dispute Timeline : * On XX/XX/XXXX, I submitted a dispute to XXXX regarding this inaccurate reporting. * On XX/XX/XXXX, XXXX sent me an email stating it had been approximately 3 days since receiving my dispute, and that they had contacted the creditors and were awaiting a response. I was informed the process could take up to 30 days. * XXXX also mailed me a copy of my credit report during this investigation period.…

I am filing this complaint regarding what I believe were misleading and deceptive debt collection practices. I have been communicating with this collection agency in an effort to resolve an old debt. During negotiations, the agency requested detailed information about my financial hardship, including my unemployment status, medical condition, lack of income, and inability to pay the full amount owed. Following these discussions, the collector presented a settlement amount of approximately {$15000.00} and indicated that the account could be resolved through a payment arrangement. Based on these representations, I believed that payments made under the settlement agreement would be applied toward satisfying the negotiated settlement balance. I subsequently agreed to make a payment of {$5000.00} as part of the settlement arrangement.…

I previously disputed this medical collection for {$650.00}, furnished by Central Portfolio Control ( CPC ), directly with CPC and with the only CRA currently reporting this account, XXXX. Despite evidence that this account is unverifiable/inaccurately reported coming straight from CPC who stated to the XXXX XXXX XXXX that account was recalled and instructed CRA to delete this account as of XX/XX/year>, XXXX continues XXXX report as valid as of today XX/XX/year>. I have seen XXXX update accounts daily so there is no reason that this account should be reporting if XXXX did indeed delete this account from XXXX. Attached : -Screenshot of Central Portfolio Control response to XXXX XXXXScreenshot of XXXX reporting XX/XX/year> XXXX should delete account immediately from XXXX, XXXX required by Federal and State law.…

I called central portfolio control about a medical debt that was opened XX/XX/XXXX for the amount of {$940.00}. This was in XXXX of XXXX. They told me that this account was closed and sent back to the orginal debt. The reason is becsuse in the year of XXXX I had health insurance XXXX. That should have been billed and it was not. I have proof of coverage. When I asked who they sent it back to they declined to give me any information and stated they could no longer access it. I called XXXX to get it taken off my credit history. I told them what central portfolio control told me. They told me it was false information that they are still reporting it on my credit history as a debt I owe. I filed yet an other dispute and I was told to send my proof of insurance coverage via po box to XXXX along with to file a complaint.

I am filing this complaint because [ Central Portfolio Control ] is reporting an inaccurate, predatory, and damaging collection account on my credit report and is engaging in illegal, abusive collection practices. This account stems from my enrollment at [ XXXXXXXX XXXX XXXX XXXX XXXX ]. This program was marketed using deceptive trade practices and explicit, false promises of a job guarantee. I fulfilled my obligations as a student, but the school completely failed to deliver on its job placement commitments. Immediately after my cohort graduated, the company completely disbanded the program, revealing it to be a short-term scam designed solely to secure financing from students before abandoning them without career infrastructure or valid credentials. The fundamental issue is that this debt was predatory and fraudulent from its inception. I am invoking the XXXX XX/XX/year> stipulated final judgment against XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ).…

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

XXXX XXXX XXXX has furnished derogatory credit information to Transunion about a debt which I am not liable to them for. This information has damaged my credit standing and credit score which I use for personal, family, and household purposes. As a result I am suffering damages. The information being furnished is false and misleading. It was never officially validated and should not have been shared without consent obtained directly from me before sharing with another person. Such actions are dangerous and can seriously injure a taxpayer. I am serving notice to them through this complaint to immediately cease use of my legal name to report this information and provide to me the documents obtained and use to give rise to this information.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Trafficking Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 1. Violation of 15 USC 1681s-2 for disseminating inaccurate information. At the time of entering into this agreement I was an uninformed consumer as the terms and conditions were not presented clearly. A conspicuous option on how to opt out of credit reporti XXXX XXXX XXXX XXXX Account Number : XXXX Block and Delete this unauthorized item from my consumer file immediately! 2. Violation of 15 USC 1681s-2 for disseminating inaccurate information. At the time of entering into this agreement I was an uninformed consumer as the terms and conditions were not presented clearly.…

I'm requesting the 1099 C for the debit. Per the collection status debit was charged off. When the debit is charged off the collector received a tax break on the debt. I'm requesting the copy of the 1099C. I am allowing thirty days for resolution if not I will sue for statutory damages.

Im reaching out because I genuinely feel stuck and like Im not getting any real help resolving an issue on my credit report. There is an account from Central Portfolio Control that is currently being reported on XXXX and XXXX, but this same account was already deleted from XXXX due to discrepancies. That alone tells me theres clearly something wrong with how this account is being reported. Ive already taken the proper steps on my end. I sent dispute letters to the credit bureaus and tried to handle this directly, but I got nowhere. The only response I received was that the account was verified, which doesnt make any sense to me because if it truly was verified, XXXX would not have removed it. Thats where my frustration comes inthere is an obvious inconsistency, but no one seems to be addressing it. At this point, I feel like Im just being ignored and not taken seriously.…

Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Central Portfolio Control. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Central Portfolio Control currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ).…

On XX/XX/XXXX my father forwarded me an email regarding an email he received about a debt that I have made payment arrangements for. The email he forwarded me contained, the name of the original debt ( XXXX XXXX ), original creditor of XXXX XXXX, the amount that is due, the payment and history of payments that I have made. I contacted them and they indicated that they would remove the address, and admitted it was an email address that was associated with me. I advised that it was not. It was an email address that was associated with me in only that I worked for a company that used that email address over 18 years ago. My last days at my father 's company was back in XXXX, and I never used the email address for any personal transactions and would have never used it on an account that I opened over a decade later. They indicated they would remove the address, and I asked for compensation in some manner.…

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.