Complaint Review: Collecto Inc CCA

I am currently being sued by CCA for medical bills they claim I owe to them.  I of course filed a counter claim that includes multiple violationf of the FDCPA, and the Colorado FDCA.  CCA violate the FDCPA because they claim to be a trade name under Collecto, Inc., however when I received a copy of my credit report, I noticed that they are using the name Collection Company of America to report debt on my credit report.  In the State of Colorado it is illegal to use more than one alias under the Collection Companies original agency, this one being COllecto Inc out of Norwell, MA.  The loaw is very clear that damanges can be sought for actual damages in each instance that they conduct business unlawfully, further the Collection Agency rules under the Attorney Generals office states that it a crime, punishable by law for false reporting on a credit report, when the company knows and willingly puts that information on the credit report.  The agent for CCA was successful in fooling the judge by providing him with certificates that they obtained at one time with the Attorney General's Office, even though the licenses they provided are not active in the Office.  Anyone can get a certificate, but when the certificate is inactive there is no way other thatn to provide a statement from the Attorney General's Office stating the license is not in fact active.  Be not fooled by this company, they operate under many assumed dba's, and the newest one in Colorado is EOS CCA.  There are many lawsuits filed against Collecto Inc, and each one of the many trade names, do your research!  I went to the Attorney General's website to verify the license, and I also visited the Secretary of State Business License database, both are free, and you can print copies of the documents they filed with the state.  I reccomend that anyoone contacted by this company, immediately sen a verification of debt letter asking them to provide in writing the verification and assignment of debt.  I have an excellent form that I will give you, send me your email address, and I would be happy to send it to you.  Make sure you ask them to provide a statement of what you owe, what it is for, and the dates.  Be very clear to them that they must stop collections immediately because you are disputing the debt.  They cannot report to the credit bureaus any information, or it will be grounds for a lawsuit under the FDCPA.  I would reccommend that you spend the money to get the return receipt certified mail receipt with these people because they will claim they never received it.  These people do not play by the books, and have been sued time and time again.  They claim on some business application to be a foreign company.  Do your homework on these people.  I will update the outcome of my lawsuits I am filing against each and every one of the trade names, and the people who use their services with the knowledge of the many dba's they use.

I have tons of paperwork, and copies of lawsuits, and business applications I am willing to send to anyone willing to stand up and fight back!

Always file a counterclaim, because even if they sue you, you have rights that cannot be violated.