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Im following up on a complaint against XXXX XXXX and Landmark Strategy Group for practices that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
According to my agreement with XXXX XXXX, all disputes related to my account were to be resolved through arbitration. However, without my consent or any arbitration proceedings, XXXX XXXX sold my loan to a collection agency, Landmark Strategy Group. In their response they admitted they don't own the debt that it was owned by a collection agency. I believe this act constitutes a breach of contract and violates my rights as a consumer.
When I became aware of this issue, I contacted XXXX XXXX and expressed my willingness to repay the debt directly to them. Despite my willingness to settle the debt, XXXX XXXX refused to recall the debt that I believe was sold illegally.
Furthermore, in the course of this transaction, XXXX XXXX disclosed my personal information to Landmark Strategy Group without my consent. I believe this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which restricts the dissemination of consumer information without a legitimate business need.
Following the acquisition of my loan, Landmark Strategy Group has engaged in harassment in an attempt to collect the alleged debt. They have called me multiple times during work hours and even contacted my workplace directly. They have also threatened to report the debt to credit reporting agencies if I didn't pay them. In order to avoid further harassment and potential harm to my credit report, I felt forced to pay Landmark Strategy Group.
I believe these actions constitute violations of FDCPA Section 806 ( 5 ), which prohibits causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer in connection with the collection of any debt at the consumer 's place of employment ; and FDCPA Section 807 ( 5 ), which prohibits the threat to take any action that can not legally be taken or that is not intended to be taken.
In light of these concerns, I request that the CFPB investigate these issues and take appropriate action to protect my rights as a consumer. I also ask that XXXX XXXX remove this account from my credit report immediately, as I believe it was wrongly sold and reported to the collection agency.
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