• Report: #580027

Complaint Review: CPC -- Central Portfolio Control

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  • Submitted: Thu, March 11, 2010
  • Updated: Sat, March 13, 2010

  • Reported By: Robyn — Chester Maryland United States of America
CPC -- Central Portfolio Control
6640 City Oak Road Eden Priarie, Minnesota United States of America

CPC -- Central Portfolio Control John B. Wow. Dont even know where to begin VERY RUDE Eden Priarie, Minnesota

*Consumer Suggestion: A couple ideas

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They will not stop calling.  HSBC Best Buy had an account that is and was incorrect and they could not prove it was mine.  In fact everytime I called customer service in India they informed me they could not give me any info on the account because my date of birth did not match.  Wow really?  Then they passed it to a collection agency.  First source advantage.  I sent them a dispute letter.  They did nothing.  Told me nothing they could do because they were getting ready to sell the debt.  It now is in the hands of CPC and they are really incompetent.  The person on the phone who keeps calling (sometimes 3 times in less then 5 minutes) identified himself as John B.  I tried to explain the situation to him and he told me I was lying and owed this debt.  He then proceded to tell me the law in Maryland which was totally incorrect.  I asked if he was an attorney and he proceeded to tell me "no, you still owe the debt"  How do you even have a conversation with someone like that.  Does anyone know if it is possible to sue all these companies who keep just selling this off and not removing it from my credit.  I disputed my credit report to all 3 and one of them removed it.  Two did not. 

This report was posted on Ripoff Report on 03/11/2010 06:10 PM and is a permanent record located here: http://www.ripoffreport.com/r/CPC-Central-Portfolio-Control/Eden-Priarie-Minnesota-55344/CPC-Central-Portfolio-Control-John-B-Wow-Dont-even-know-where-to-begin-VERY-RUDE-Ed-580027. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

A couple ideas

AUTHOR: Tim - (U.S.A.)

"Does anyone know if it is possible to sue all these companies who keep just selling this off and not removing it from my credit."

Well, it's possible to sue anybody for anything. The question is what you would sue them for and whether it would do you any good.

There are a few different things you can do, some practical, some not.

First, you could file suit against the collection agency. Based solely on the information contained in your report, I don't see a basis for suing them for money. Rather, the proper avenue would be to seek a "declaratory judgment" that the debt is not yours together with an order requiring the agency to remove the blight on your credit reports, and barring them from taking any further collection actions (including transferring the debt to another agency).

Second, you could attempt to have HSBC/Best Buy investigate the issue and get some documentation from them showing that the debt is incorrect. Then, refile disputes with the other credit reporting agencies, using the documentation as evidence to support your dispute.

There are a few other things you could try, but they would be more complicated and/or premature.

Of course, your best option is to consult with a local, qualified attorney.

Best of luck!

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