From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXXTelephone : XXXXComplaint against : The Advantage GroupXXXX XXXX or XXXX XXXX, NM XXXX spoke to XXXX at the advantage group, she only asked me my address. She acknowledge that the collection company had accessed my file at the reporting agencies. I said, " You do have my correct address, yet you never notified me of your intent to verify this debt ''. I further asked XXXX with the Advantage Group to provide me with complete verification of the debt that they have on me. If I in fact I owed it, I would seek to pay it. XXXX never sent me any verification of the debt that she put on my credit report. Their attorney conveyed to me in his faxed memo, XXXX XXXX XXXX The Advantage Group 's attorney ) wrote about me, " but he was evasive and would not verify his address or his social security number ''. This is a false statement. They had all my information because the advantage group had placed a unverified collection on my credit report without even a five to 30 day notice to comply. 

It is a matter of protocol that if an agency that has access to a person 's credit file, that same agency requesting information has to know the required data to be able to post a collection and or any information on a consumer. 

I explained to the advantage group 's representative ( XXXX XXXX, in accordance with Federal Consumer Credit Protection Act I had a minimum of 5-30 days to respond to a debt collection attempt. She offered to remove that posted item to my credit file based on our conversation. 

This debt collector is seeking payment for an amount not permitted by law or by the contract in the amount of an interest charge also. 

My original contact was with XXXX XXXX XXXX at his examining offices. I paid the full amount of {$470.00} on the day of the visit via my visa card for all services rendered. I was never told that XXXX XXXX XXXX ( the original vendor for the assumed debt ) would be sending me an additional bill, nor did I have an agreement to pay any accrued interest if any bill went unpaid with XXXX XXXX. This is clearly an attempt at usury cost never agreed to. 

My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt. This alone violated my rights. 

The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights.