{"took":619,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":80551,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10056626","_score":11.52293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent Experian a request to provide a validation of debt / assignment contract on XX/XX/year>, Instead I received the generic reply \" Account information disputed by consumer ( Meets requirement of the fair Credit Reporting Act '' ) I am certain that they did not investigate my dispute, Instead they used XXXX to provide me with my final results. The debt that is on my credit report is XXXX XXXX XXXX account XXXX. I request that they provide me with the the verification of debt as I previously requested. I request that Experian provide a description of the procedure used to determine the accuracy of the debt. I also request that they include the name and phone number of anyone contacted in connection with the investigation.","date_sent_to_company":"2024-09-06T22:51:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31907","tags":null,"has_narrative":true,"complaint_id":"10056626","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-06T21:09:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I sent Experian a <em>request</em> to <em>provide</em> a validation of <em>debt</em> / assignment contract on XX/XX/year>, Instead I received the generic reply \" Account information <em>disputed</em> by consumer ( Meets requirement of the fair Credit Reporting Act '' ) I am certain that they did not investigate my <em>dispute</em>, Instead they used XXXX to <em>provide</em> me with my final results. The <em>debt</em> that is on my credit report is XXXX XXXX XXXX account XXXX."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[11.52293,"10056626"]},{"_index":"complaint-public-v1","_id":"11474504","_score":11.462493,"_source":{"product":"Debt collection","complaint_what_happened":"**Re : Dispute of Debt - [ XXXX XXXXXXXX ] ** Dear [ Jefferson Capitals LLC ], I am writing to formally dispute the debt associated with the above-referenced account, which I believe is inaccurate or incorrect. I request that you provide me with validation of the debt, as I do not recognize this charge. \n\nI am requesting that you kindly provide the following information to validate the debt : 1. The amount owed and an itemized breakdown of charges.\n\n2. A copy of the original signed contract or agreement outlining the terms and conditions.\n\n3. Any supporting documentation or evidence that proves I owe this debt. \n\nPlease note that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to dispute this debt and request verification. I request that you cease any collection activity until the debt is verified, and I kindly ask that you provide a response within 14 days of receipt of this letter. \n\nIf you are unable to provide the requested documentation or if you continue to report this debt without verification, I will consider pursuing further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and disputing the item with the credit bureaus. \n\nThank you for your attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2025-01-10T07:08:22.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"90016","tags":null,"has_narrative":true,"complaint_id":"11474504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-01-10T06:47:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["**Re : <em>Dispute</em> of <em>Debt</em> - [ XXXX XXXXXXXX ] ** Dear [ Jefferson Capitals LLC ], I am writing to formally <em>dispute</em> the <em>debt</em> associated with the above-referenced account, which I believe is inaccurate or incorrect. I <em>request</em> that you <em>provide</em> me with validation of the <em>debt</em>, as I do not recognize this charge. \n\nI am <em>requesting</em> that you kindly <em>provide</em> the following information to validate the <em>debt</em> : 1. The amount owed and an itemized breakdown of charges.\n\n2."],"product":["<em>Debt</em> collection"],"sub_product":["Telecommunications <em>debt</em>"]},"sort":[11.462493,"11474504"]},{"_index":"complaint-public-v1","_id":"12234673","_score":11.456142,"_source":{"product":"Debt collection","complaint_what_happened":"Hello, I am writing to the Consumer Financial Protection Bureau for assistance regarding a debt collector named Transworld Systems Inc. They have been blatantly disrespectful towards me and my newborn child, with an incorrect medical bill. \n\nI reached out to this debt collector months ago, requesting that the debt be disputed until the hospital could provide accurate information. I had repeatedly confirmed with the hospital that my insurance would cover all expenses related to childbirth. However, months of back-and-forth with the hospital have yielded no results. They continue to promise to call me back and provide more details, but they have yet to do so. \n\nIn addition to this, I politely requested that the debt collector dispute this claim until the hospital complies with its policies and provides me with details of the bill. The debt collector claims that the hospital has confirmed the source of the bill, but the hospital has been unable to provide me with this information. \n\nDespite my requests, the debt collector has refused to fully dispute my claim until the hospital cooperates and provides details of the bill. This behavior violates every law regarding debt collection. The law clearly states that debt XXXX must request verification of the debt from the debtor and that if the debtor still disagrees, they can dispute it with the credit reporting companies. \n\nI am requesting legal assistance in this matter. My account number is XXXX. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-02-26T06:54:15.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"12234673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-02-26T06:49:13.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Despite my <em>requests</em>, the <em>debt</em> collector has refused to fully <em>dispute</em> my claim until the hospital cooperates and <em>provides</em> details of the bill. This behavior violates every law regarding <em>debt</em> collection. The law clearly states that <em>debt</em> XXXX must <em>request</em> verification of the <em>debt</em> from the debtor and that if the debtor still disagrees, they can <em>dispute</em> it with the credit reporting companies. \n\nI am <em>requesting</em> legal assistance in this matter. My account number is XXXX."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[11.456142,"12234673"]},{"_index":"complaint-public-v1","_id":"20038796","_score":11.446337,"_source":{"product":"Debt collection","complaint_what_happened":"I have disputed this debt multiple times via email like the notice they mailed me stated I could do and I formally requested validation of the debt. Specifically, I requested the following information : - Written verification and validation of the alleged debt - The name and address of the original creditor - Documentation proving I am legally responsible for this debt - A full itemized breakdown of the amount they claim I owe. \n- Documentation showing how the current balance was calculated Despite submitting these requests, including sending a dispute via fax, the company has ignored my requests and has not provided the documentation I asked for. \n\nAdditionally, the balance shown in their portal has changed multiple times, increasing to different amounts without explanation. This raises serious concerns about the accuracy and legitimacy of the debt. \nAdditionally, the company stated that I had until XX/XX/XXXX to dispute this debt. I exercised my right to dispute the debt well before that deadline and have done so multiple times. I submitted disputes requesting validation of the debt and supporting documentation, including a fax dispute, but the company has ignored my requests and failed to provide the information I asked for. \n\nBecause I disputed the debt within the timeframe they provided and have retained copies of all communications, including emails and fax confirmations, I will have full documentation showing that I properly disputed this debt. If the company attempts to pursue any legal action without first validating the debt, I will provide these records showing that they failed to respond to my disputes and failed to provide verification of the alleged debt.","date_sent_to_company":"2026-03-06T16:14:58.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"47201","tags":null,"has_narrative":true,"complaint_id":"20038796","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Andrews & Cox, P.C.","date_received":"2026-03-06T15:59:51.000Z","state":"IN","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Additionally, the company stated that I had until XX/XX/XXXX to <em>dispute</em> this <em>debt</em>. I exercised my right to <em>dispute</em> the <em>debt</em> well before that deadline and have done so multiple times. I submitted <em>disputes</em> <em>requesting</em> validation of the <em>debt</em> and supporting documentation, including a fax <em>dispute</em>, but the company has ignored my <em>requests</em> and failed to <em>provide</em> the information I asked for."],"product":["<em>Debt</em> collection"],"sub_product":["Other <em>debt</em>"]},"sort":[11.446337,"20038796"]},{"_index":"complaint-public-v1","_id":"5262908","_score":11.416819,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2021 we were notified by Portfolio Recovery Associates , LLC of an alleged debt. We responded on XX/XX/2021 disputing the debt and requesting that documentation be provided to validate the debt. Rather than validating the debt, we instead continued to be contacted for purposes of collecting the debt, despite failing to validate it per our dispute request. On XX/XX/2021 after receiving another attempt to collect via mail I sent a second notice to Portfolio Recovery Associates , LLC reiterating our dispute of the debt and notifying them that they were now in clear violation of the Fair Debt Collection Practices Act by ignoring our request not to be contacted for purposes of collecting the debt until such a time they could validate it. After this second letter was sent, Portfolio Recovery Associates responded to the dispute by providing some of the documentation we requested to validate the debt and their legal ability to collect on it, but failed to provide satisfactory documentation to validate all of our concerns. Because of this I responded to them via mail on XX/XX/2021 requesting that they provide the additional documents that they had failed to provide and reiterated that we are still in dispute of the debt. Portfolio Recovery Associates responded to this request by re-sending the exact same documentation they had previously provided us while still failing to provide the other requested documents such as proof of their being licensed to collect debts in California and proceeded to threaten us with a lawsuit as a means of intimidation and to prevent having to provide the documentation we requested. Despite being in good faith negotiations regarding a disputed debt, we were concerned over this legal threat and decided to make a payment to Portfolio Recovery Associates as a delay tactic while we decided what to do about our legal dispute requests going ignored while simultaneously being threatened with legal action, despite remaining in ongoing good faith communication with Portfolio Recovery Associates. \n\nTo our surprise, shortly after making this payment we received a lawsuit stipulation for settlement letter from Portfolio Recovery Associates indicating they had sued us despite not informing us that a lawsuit was being filed and despite the fact we were still in ongoing communication with them regarding a dispute that had not been settled. We have already suffered violations of the Fair Debt Collection Practices Act by Portfolio Recovery Associates , LLC from other debts that they ultimately were unable to verify and were written off. Due to this past history with Portfolio Recovery Associates we had every reason to be wary and demand documentation validating the debt as well as their legal ability to collect on any debt they could validate. The threatening and filing of lawsuit without notifying us while failing to provide all the requested documentation is exactly why they should be worried about a lawsuit. If they want a settlement, then we will offer on on our terms if they wish to avoid going to court to resolve the issue.","date_sent_to_company":"2022-02-25T23:07:03.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"92026","tags":null,"has_narrative":true,"complaint_id":"5262908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2022-02-25T22:37:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["After this second letter was sent, Portfolio Recovery Associates responded to the <em>dispute</em> by providing some of the documentation we <em>requested</em> to validate the <em>debt</em> and their legal ability to collect on it, but failed to <em>provide</em> satisfactory documentation to validate all of our concerns. Because of this I responded to them via mail on XX/XX/2021 <em>requesting</em> that they <em>provide</em> the additional documents that they had failed to <em>provide</em> and reiterated that we are still in <em>dispute</em> of the <em>debt</em>."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[11.416819,"5262908"]},{"_index":"complaint-public-v1","_id":"11019027","_score":11.404888,"_source":{"product":"Debt collection","complaint_what_happened":"This company ( Jefferson Capital ) is trying to collect a debt and they are not the original creditor of the debt. They have reported the debt as a collections account to all credit bureaus and has damaged my credit tremendously. I am writing to dispute the validity of the debt you have reported on my credit report and request validation of said debt. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 809 ( b ), which requires debt collectors to provide verification of debts upon the consumers written request. I dispute the entirety of this alleged debt, and I request that you provide the following information : 1. The original signed contract or agreement bearing my signature. 2. The complete account history, including all statements and details of the alleged debt. 3. Verification and proof of your authority to collect this debt on behalf of the original creditor. Please consider this letter as a formal notice pursuant to the FDCPA that I dispute the validity of the debt, and I request that you provide the aforementioned information within 30 days of receiving this letter. If you are unable to provide the requested information within the given time frame, I expect that you will cease collection activities on this account and promptly remove any negative reporting from my credit reports. Your cooperation in this matter is essential to ensuring compliance with the FDCPA and protecting my rights as a consumer. I expect a thorough and timely response to this dispute. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-11T15:49:34.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"11019027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-12-04T20:41:19.000Z","state":"GA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I am exercising my rights under the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), specifically under 809 ( b ), which requires <em>debt</em> collectors to <em>provide</em> verification of <em>debts</em> upon the consumers written <em>request</em>. I <em>dispute</em> the entirety of this alleged <em>debt</em>, and I <em>request</em> that you <em>provide</em> the following information : 1. The original signed contract or agreement bearing my signature. 2. The complete account history, including all statements and details of the alleged <em>debt</em>. 3."],"product":["<em>Debt</em> collection"],"sub_product":["Other <em>debt</em>"]},"sort":[11.404888,"11019027"]},{"_index":"complaint-public-v1","_id":"8963823","_score":11.398815,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint due to Midland Credit Management , IncXXXX ( MCM ) 's repeated failure to provide requested information concerning a debt they allege I owe, their refusal to respond to my disputes and inquiries, and their decision to refer the matter to XXXX, XXXX XXXX XXXX, XXXX, thereby acting in bad faith and violating my rights as a consumer. \n\nDetails of the Complaint : Failure to Provide Information : Despite multiple written requests sent via certified mail on XX/XX/2023, and XX/XX/2023, MCM has failed to provide adequate documentation or verification of the debt, including but not limited to the original creditor 's details, contract, and how the debt amount was calculated. These requests were explicitly outlined in my correspondence, yet MCM has not complied with these basic consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). \nIgnoring Dispute Requests : MCM was notified within the legally prescribed timeframe that I disputed the validity of the debt they claim. The basis of my dispute includes discrepancies in the debt amount and lack of any original contractual agreement linking me to the alleged debt. MCM has neither acknowledged nor resolved these disputes, simply proceeding with collections without validating or verifying the debt. \nReferral to a Law Firm Without Resolution : After failing to provide the requested documentation and disregarding my dispute, MCM has escalated the situation by referring the case to XXXX XXXX XXXX XXXX XXXX, XXXX. This action has been taken without resolving the existing disputes, which I view as an attempt to intimidate and a disregard for lawful debt collection practices.","date_sent_to_company":"2024-05-09T00:08:47.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"20602","tags":null,"has_narrative":true,"complaint_id":"8963823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-05-08T23:57:58.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["These <em>requests</em> were explicitly outlined in my correspondence, yet MCM has not complied with these basic consumer rights under the Fair <em>Debt</em> Collection Practices Act ( FDCPA ). \nIgnoring <em>Dispute</em> <em>Requests</em> : MCM was notified within the legally prescribed timeframe that I <em>disputed</em> the validity of the <em>debt</em> they claim. The basis of my <em>dispute</em> includes discrepancies in the <em>debt</em> amount and lack of any original contractual agreement linking me to the alleged <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[11.398815,"8963823"]},{"_index":"complaint-public-v1","_id":"13114141","_score":11.385567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Debt XXXX Dear XXXX, EXPERIAN, TRANSUNION XXXX EQUIFAX I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. \n\nPlease be advised that : 1. I dispute the entire amount of the alleged debt.\n\n2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.\n\n3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.\n\n4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. \n\nAs per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. \n\nIf you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. \n\nThank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-22T17:10:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07052","tags":null,"has_narrative":true,"complaint_id":"13114141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-22T17:09:55.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>request</em> that you <em>provide</em> validation of the <em>debt</em>, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the <em>debt</em> was reached.\n\n3. You cease any <em>debt</em> collection efforts until this <em>dispute</em> is resolved and verified documents are provided to me.\n\n4. I <em>request</em> my <em>debt</em> account not be reported to any credit agencies until you <em>provide</em> evidence validating the <em>debt</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[11.385567,"13114141"]},{"_index":"complaint-public-v1","_id":"13114296","_score":11.37863,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Debt XXXX Dear XXXX, EXPERIAN, TRANSUNION XXXX EQUIFAX I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. \n\nPlease be advised that : 1. I dispute the entire amount of the alleged debt.\n\n2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.\n\n3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.\n\n4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. \n\nAs per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. \n\nIf you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. \n\nThank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-22T17:10:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07052","tags":null,"has_narrative":true,"complaint_id":"13114296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-22T17:09:55.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>request</em> that you <em>provide</em> validation of the <em>debt</em>, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the <em>debt</em> was reached.\n\n3. You cease any <em>debt</em> collection efforts until this <em>dispute</em> is resolved and verified documents are provided to me.\n\n4. I <em>request</em> my <em>debt</em> account not be reported to any credit agencies until you <em>provide</em> evidence validating the <em>debt</em>."]},"sort":[11.37863,"13114296"]},{"_index":"complaint-public-v1","_id":"13114011","_score":11.37573,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Debt XXXX Dear XXXX, EXPERIAN, TRANSUNION XXXX EQUIFAX I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. \n\nPlease be advised that : 1. I dispute the entire amount of the alleged debt.\n\n2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.\n\n3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.\n\n4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. \n\nAs per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. \n\nIf you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. \n\nThank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-22T17:10:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07052","tags":null,"has_narrative":true,"complaint_id":"13114011","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-22T16:52:30.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>request</em> that you <em>provide</em> validation of the <em>debt</em>, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the <em>debt</em> was reached.\n\n3. You cease any <em>debt</em> collection efforts until this <em>dispute</em> is resolved and verified documents are provided to me.\n\n4. I <em>request</em> my <em>debt</em> account not be reported to any credit agencies until you <em>provide</em> evidence validating the <em>debt</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[11.37573,"13114011"]},{"_index":"complaint-public-v1","_id":"4451802","_score":11.367942,"_source":{"product":"Debt collection","complaint_what_happened":"Persolve Legal Group LLP refuses to provide required documentation in dispute of an alleged debt they claim I owe. I have sent three certified dispute letters dated XX/XX/21, XX/XX/21, and XX/XX/21 to which XXXX XXXX \" Compliance Officer '' fails to provide the requested information to validate this debt. The documents sent do not substantiate the debt, nor the information I requested, three times, and the excuse is that the documents that they received from their \" assignor '' should substantiate the debt. The documents sent, to not provide the information I requested : name and addresses or creditors, when and who the alleged debt was obtained from and the amount at the time it was obtained, verification and documentation that there is a valid basis this alleged debt is owed to the stated creditor, billing statements, itemizations, statute of limitations, and their authority to collect. As a \" Compliance Officer '' the obligation is to provide the requested information under FDCPA.","date_sent_to_company":"2021-06-11T17:25:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"85286","tags":null,"has_narrative":true,"complaint_id":"4451802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Persolve, LLC - Legal - Series 2","date_received":"2021-06-11T17:21:51.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Persolve Legal Group LLP refuses to <em>provide</em> required documentation in <em>dispute</em> of an alleged <em>debt</em> they claim I owe. I have sent three certified <em>dispute</em> letters dated XX/XX/21, XX/XX/21, and XX/XX/21 to which XXXX XXXX \" Compliance Officer '' fails to <em>provide</em> the <em>requested</em> information to validate this <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[11.367942,"4451802"]},{"_index":"complaint-public-v1","_id":"23134971","_score":11.356538,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector ( IC Systems ) never contacted me to give me opportunity to dispute debt. When original debtor ( XXXX XXXX XXXX XXXX ) and XXXX  could provide NO substantive proof of debt, I contacted IC Systems and they refused to provide me with physical address to where I could submit, via US mail, my dispute of debt and request for proof of validity of same.\n\nI wholeheartedly dispute this debt and still request valid, documentary proof of same. \n\nPlease see attached letter elaborating on history of dispute.","date_sent_to_company":"2026-06-11T23:42:05.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"91307","tags":null,"has_narrative":true,"complaint_id":"23134971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2026-06-11T23:22:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["<em>Debt</em> collector ( IC Systems ) never contacted me to give me opportunity to <em>dispute</em> <em>debt</em>. When original debtor ( XXXX XXXX XXXX XXXX ) and XXXX  could <em>provide</em> NO substantive proof of <em>debt</em>, I contacted IC Systems and they refused to <em>provide</em> me with physical address to where I could submit, via US mail, my <em>dispute</em> of <em>debt</em> and <em>request</em> for proof of validity of same.\n\nI wholeheartedly <em>dispute</em> this <em>debt</em> and still <em>request</em> valid, documentary proof of same."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Telecommunications <em>debt</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[11.356538,"23134971"]},{"_index":"complaint-public-v1","_id":"11847143","_score":11.341542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Experian has failed to properly verify a debt on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for validation, they have not provided actual proof that this debt is accurate or that I am legally responsible for it. \n\nXXXX. Details of the Dispute On XX/XX/year>, I submitted a dispute to Experian, requesting validation of a debt that appears on my credit report. \nOn XX/XX/year>, they responded, stating the debt was verified but failed to provide supporting documentation such as an original signed agreement or itemized account statements. \nOn XX/XX/year>, I sent a Method of Verification ( MOV ) request via certified mail, asking how they verified the debt and requesting details of the verifying party.\n\nExperian did not provide the requested documentation but continues to report the debt.\n\n3. FCRA Violations Failure to Properly Investigate Under 15 U.S.C. 1681i ( a ), credit bureaus must conduct a reasonable investigation and provide documentation if requested.\n\nContinued Reporting of Unverified Debt The bureau has not provided proof that this debt is valid, yet they continue to report it.\n\nLack of Transparency They refuse to disclose how they verified the debt, which violates my consumer rights under the FCRA.\n\n4. Desired Resolution I request the immediate deletion of this unverified debt from my credit report. If Experian can provide actual documentation proving that I owe this debt, I request they send it to me. Otherwise, they must remove it.\n\n5. Supporting Documents I have attached : My original dispute letter The credit bureaus response My Method of Verification ( MOV ) request A copy of my credit report showing the disputed debt","date_sent_to_company":"2025-01-31T02:57:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46260","tags":null,"has_narrative":true,"complaint_id":"11847143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T02:26:00.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Desired Resolution I <em>request</em> the immediate deletion of this unverified <em>debt</em> from my credit report. If Experian can <em>provide</em> actual documentation proving that I owe this <em>debt</em>, I <em>request</em> they send it to me. Otherwise, they must remove it.\n\n5. Supporting Documents I have attached : My original <em>dispute</em> letter The credit bureaus response My Method of Verification ( MOV ) <em>request</em> A copy of my credit report showing the <em>disputed</em> <em>debt</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[11.341542,"11847143"]},{"_index":"complaint-public-v1","_id":"11859342","_score":11.340559,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because TransUnion has failed to properly verify a debt on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for validation, they have not provided actual proof that this debt is accurate or that I am legally responsible for it. \n\nXXXX. Details of the Dispute On XX/XX/24, I submitted a dispute to TransUnion, requesting validation of a debt that appears on my credit report. \nOn XX/XX/24, they responded, stating the debt was verified but failed to provide supporting documentation such as an original signed agreement or itemized account statements. \nOn XX/XX/24, I sent a Method of Verification ( MOV ) request via certified mail, asking how they verified the debt and requesting details of the verifying party. \nTransUnion did not provide the requested documentation but continues to report the debt. \n\nXXXX. FCRA Violations Failure to Properly Investigate Under 15 U.S.C. 1681i ( a ), credit bureaus must conduct a reasonable investigation and provide documentation if requested. \nContinued Reporting of Unverified Debt The bureau has not provided proof that this debt is valid, yet they continue to report it. \nLack of Transparency They refuse to disclose how they verified the debt, which violates my consumer rights under the FCRA. \n\nXXXX. Desired Resolution I request the immediate deletion of this unverified debt from my credit report. If TransUnion can provide actual documentation proving that I owe this debt, I request they send it to me. Otherwise, they must remove it. \n\nXXXX. Supporting Documents I have attached : My original dispute letter The credit bureaus response My Method of Verification ( MOV ) request A copy of my credit report showing the disputed debt","date_sent_to_company":"2025-01-31T03:19:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46260","tags":null,"has_narrative":true,"complaint_id":"11859342","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-31T02:59:13.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Desired Resolution I <em>request</em> the immediate deletion of this unverified <em>debt</em> from my credit report. If TransUnion can <em>provide</em> actual documentation proving that I owe this <em>debt</em>, I <em>request</em> they send it to me. Otherwise, they must remove it. \n\nXXXX. Supporting Documents I have attached : My original <em>dispute</em> letter The credit bureaus response My Method of Verification ( MOV ) <em>request</em> A copy of my credit report showing the <em>disputed</em> <em>debt</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[11.340559,"11859342"]},{"_index":"complaint-public-v1","_id":"12741389","_score":11.3321085,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing in response to your communication regarding a debt owed. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.\n\nSpecifically, I request that you provide the following information : 1. Proof that I owe this debt : Provide documentation showing that I am legally responsible for this debt, including a copy of the original signed agreement or contract.\n\n2. Breakdown of the debt : Provide a detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges.\n\n3. Proof of ownership of the debt : Provide documentation proving that your company has the legal right to collect this debt, including a copy of the agreement transferring the debt from the original creditor to your company.\n\n4. Account history : Provide a complete history of the account, including the date the account was opened, the date of the last payment, and any charges or credits applied to the account.\n\n5. Original creditor information : Provide the name, address, and contact information of the original creditor.\n\nUntil you provide this information, I dispute the validity of this debt and request that you cease all collection activities, including reporting this account to credit bureaus.\n\nAdditionally, if this debt has been reported to any credit bureaus, I request that you notify them that the debt is disputed.\n\nPlease send all correspondence regarding this matter to the address listed above. I look forward to your prompt response.","date_sent_to_company":"2025-03-31T20:43:28.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"12741389","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DRB-40, LLC","date_received":"2025-03-31T20:28:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["I am writing in response to your communication regarding a <em>debt</em> owed. I am <em>requesting</em> that you <em>provide</em> validation of this <em>debt</em> as required by the Fair <em>Debt</em> Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.\n\nSpecifically, I <em>request</em> that you <em>provide</em> the following information : 1. Proof that I owe this <em>debt</em> : <em>Provide</em> documentation showing that I am legally responsible for this <em>debt</em>, including a copy of the original signed agreement or contract.\n\n2."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[11.3321085,"12741389"]},{"_index":"complaint-public-v1","_id":"19134076","_score":11.30157,"_source":{"product":"Debt collection","complaint_what_happened":"I was contacted by a debt collector company regarding an alleged debt. II was contacted by a debt collector company regarding an alleged debt. I request were in validation of the debt, including proof that the debt is mine and that the company has a legal right to collect it. \nThe company filled to provide proper validation, but continue collection activity that included repeated contact despite my request for a wedding and communication only I dispute this debt and believe the companies actions may violate the fair debt collection practice act ( FDCPA ). I am requested at the company provide a proper validation with cease collection efforts. \nThe company reported or threatened to report this debt to credit report agencies without providing validation of the debt The original credit of prior debt collector sold or transferred an alleged debt to a second party debt collection company the new debt collector contact me regarding the debt, but did not provide documentation so that the debt was legally transferred to them or that they had the story to collect it I requested validation of the debt, including proof of ownership and amount owed the company filled to provide proper validation, but continue collection activities the dispute this debt, and believe the companies actually may violate the fair debt collector practice act FDCPA I am requesting that the company either provide proper validation or seize collection effort. The debt was reported to the credit reporting agencies without proper validation or provided.","date_sent_to_company":"2026-01-30T16:46:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"19134076","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2026-01-30T16:24:12.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["the company filled to <em>provide</em> proper validation, but continue collection activities the <em>dispute</em> this <em>debt</em>, and believe the companies actually may violate the fair <em>debt</em> collector practice act FDCPA I am <em>requesting</em> that the company either <em>provide</em> proper validation or seize collection effort."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> was result of identity theft"]},"sort":[11.30157,"19134076"]},{"_index":"complaint-public-v1","_id":"12067989","_score":11.279821,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the debt referenced above, which you claim I owe. After reviewing my records, I believe this debt is inaccurate, and I request that you cease all collection activities related to this matter until you can provide proof of the debt. \n\nThe reasons I dispute this debt are as follows : This debt is not mine, The amount is incorrect. \n\nUnder the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with validation of this debt, including : The original creditor 's name and address A statement of the amount owed Proof of my responsibility for this debt Please note that you are required by law to cease collection efforts until the debt is verified. \n\nAdditionally, if you have reported this debt to any credit reporting agencies, I request that you inform them that the debt is in dispute and provide any relevant documentation as required. \n\nI look forward to your prompt response to resolve this issue and the matter being deleted from my report. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-12T17:23:08.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"19013","tags":null,"has_narrative":true,"complaint_id":"12067989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Management Holdings, LLC","date_received":"2025-02-12T17:18:59.000Z","state":"PA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> the <em>debt</em> referenced above, which you claim I owe. After reviewing my records, I believe this <em>debt</em> is inaccurate, and I <em>request</em> that you cease all collection activities related to this matter until you can <em>provide</em> proof of the <em>debt</em>. \n\nThe reasons I <em>dispute</em> this <em>debt</em> are as follows : This <em>debt</em> is not mine, The amount is incorrect."],"product":["<em>Debt</em> collection"]},"sort":[11.279821,"12067989"]},{"_index":"complaint-public-v1","_id":"12071143","_score":11.278667,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the debt referenced above, which you claim I owe. After reviewing my records, I believe this debt is inaccurate, and I request that you cease all collection activities related to this matter until you can provide proof of the debt. \n\nThe reasons I dispute this debt are as follows : This debt is not mine and The amount is incorrect. \nUnder the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with validation of this debt, including : The original creditor 's name and address A statement of the amount owed Proof of my responsibility for this debt Please note that you are required by law to cease collection efforts until the debt is verified. \n\nAdditionally, if you have reported this debt to any credit reporting agencies, I request that you inform them that the debt is in dispute and provide any relevant documentation as required. \n\nI look forward to your prompt response to resolve this issue, and it being removed from my credit report. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-12T17:16:54.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"19013","tags":null,"has_narrative":true,"complaint_id":"12071143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Management Holdings, LLC","date_received":"2025-02-12T16:58:57.000Z","state":"PA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> the <em>debt</em> referenced above, which you claim I owe. After reviewing my records, I believe this <em>debt</em> is inaccurate, and I <em>request</em> that you cease all collection activities related to this matter until you can <em>provide</em> proof of the <em>debt</em>. \n\nThe reasons I <em>dispute</em> this <em>debt</em> are as follows : This <em>debt</em> is not mine and The amount is incorrect."],"product":["<em>Debt</em> collection"]},"sort":[11.278667,"12071143"]},{"_index":"complaint-public-v1","_id":"11631101","_score":11.275511,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed several items on my Equifax credit report that I believe to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information on my credit report, and Equifax is required to investigate the dispute and respond within a reasonable time frame.\n\nAfter initiating my dispute, Equifax provided the results, but failed to inform me how the disputed items were verified. Specifically, I did not receive a clear explanation of the methods used to confirm the accuracy of the debt or which parties were involved in verifying the information. Under FCRA Section 1681i ( a ) ( 4 ), when a consumer disputes an item, the credit reporting agency is required to provide an explanation of the investigation results, including the names of parties involved in the verification process. However, Equifax did not meet these obligations and did not provide sufficient proof of verification. \nIn addition to disputing the accounts with Equifax, I contacted the debt collector reporting the debt directly and requested debt validation, as I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ). According to FDCPA Section 1692g ( b ), a debt collector must provide verification of the debt if requested by the consumer within 30 days. However, despite my request, the debt collector failed to respond with any form of debt validation or documentation proving that the debt was mine. \nThe debt collectors failure to provide validation of the debt is a violation of the FDCPA, which requires debt collectors to provide proof that the debt is valid, including the amount of the debt and the creditors identity. They did not provide this information, nor did they substantiate their claims to Equifax, which left me with no confirmation that the debt was valid or that it had been verified.\n\nAfter completing my dispute with Equifax, I contacted them directly to request the removal of the disputed accounts. Equifax, however, showed no proof that the debt was mine or that it had been properly verified by the debt collector. Despite acknowledging their lack of evidence, they refused to remove the disputed accounts from my credit report. \nViolation of FCRA Section 1681i : Under FCRA Section 1681i ( a ) ( 6 ), if the information on the credit report is found to be inaccurate or can not be verified, it must be deleted from the report. In my case, Equifax failed to provide any evidence of the verification process, and the debt collector did not respond with validation. Therefore, the disputed accounts should have been removed from my credit report, as they could not be substantiated. \n\nThe Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, like Equifax, must ensure the accuracy and completeness of the information they report. Under FCRA Section 1681i, once a dispute is filed, the credit reporting agency is required to investigate and, if the information can not be verified, must remove the disputed information. This includes situations where the creditor or debt collector fails to provide validation or verification of the debt.\n\nFurther, according to FCRA Section 1681i ( a ) ( 3 ), if the investigation does not confirm that the information is accurate or verifiable, the credit reporting agency must delete or modify the information. Since Equifax failed to demonstrate that the information was properly verified and the debt collector failed to provide validation, the disputed accounts should have been removed from my credit report immediately.","date_sent_to_company":"2025-01-19T01:40:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"11631101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-19T01:21:31.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["However, Equifax did not meet these obligations and did not <em>provide</em> sufficient proof of verification. \nIn addition to <em>disputing</em> the accounts with Equifax, I contacted the <em>debt</em> collector reporting the <em>debt</em> directly and <em>requested</em> <em>debt</em> validation, as I am entitled to under the Fair <em>Debt</em> Collection Practices Act ( FDCPA ). According to FDCPA Section 1692g ( b ), a <em>debt</em> collector must <em>provide</em> verification of the <em>debt</em> if <em>requested</em> by the consumer within 30 days."]},"sort":[11.275511,"11631101"]},{"_index":"complaint-public-v1","_id":"13101728","_score":11.266729,"_source":{"product":"Debt collection","complaint_what_happened":"PORTFOLIO RECOV ASSOC Balance Amount : {$2600.00} I am writing to dispute the above-mentioned collection account. After reviewing my records, I believe that your agency did not provide me with proper notice of the debt as required by law. Specifically, I did not receive a validation notice that included the amount of the debt, the name of the original creditor, and my rights to dispute the debt. \nFurthermore, I was not informed of my rights to dispute the debt and request verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). As a result, I was not aware of my options to dispute the debt or request verification. \nI hereby dispute the debt and request that you provide verification of the debt, including : A detailed breakdown of the debt amount The name and address of the original creditor Documentation showing that I was provided with a validation notice Until I receive this information, I request that you cease all collection activities and remove any negative marks from my credit report.","date_sent_to_company":"2025-04-21T18:30:11.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"11510","tags":null,"has_narrative":true,"complaint_id":"13101728","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-04-21T17:13:37.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Furthermore, I was not informed of my rights to <em>dispute</em> the <em>debt</em> and <em>request</em> verification of the <em>debt</em> as required by the Fair <em>Debt</em> Collection Practices Act ( FDCPA ). As a result, I was not aware of my options to <em>dispute</em> the <em>debt</em> or <em>request</em> verification."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[11.266729,"13101728"]},{"_index":"complaint-public-v1","_id":"11119203","_score":11.259704,"_source":{"product":"Debt collection","complaint_what_happened":"What Happened? \n\nI am writing in regard to the account listed by FirstPoint Collection Resolution, with an open balance of {$270.00}, which has been reported on my credit report. I would like to provide clarification of the situation and address concerns regarding the validity of the debt. \n\nDisputed Account : I dispute the validity of this account, as I have no recollection of the debt or agreement with the original creditor. I believe this information is either inaccurate or incomplete, and it should be investigated further. I did not authorize any debt or have any dealings with FirstPoint Collection Resolution.\n\nFailure to Provide Proof of Debt : Despite my previous requests for verification, FirstPoint Collection Resolution has failed to provide sufficient evidence that I am responsible for this debt. I ask that they furnish clear documentation of the debts origin, including the original creditors information, the amount owed, and any contracts or agreements that substantiate their claim. \n\nRequest for Documentation : As a consumer, I am entitled to request proof of any outstanding debt and verification of any amount being reported to my credit file. I formally request that FirstPoint Collection Resolution provide me with detailed, itemized documentation that confirms the debt, including the name of the original creditor and how they arrived at the balance being reported. \n\nDiscrepancies and Removal Request : If FirstPoint Collection Resolution can not provide adequate documentation to verify the debt, I request the immediate removal of this account from my credit report. I am entitled to a credit report free from inaccuracies, and I believe this account does not belong there. \n\nPlease provide me with the requested information in writing. If I do not receive the appropriate documentation, I will take further action, including filing disputes with credit bureaus and potentially pursuing legal remedies if necessary.","date_sent_to_company":"2024-12-11T16:50:20.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"70805","tags":null,"has_narrative":true,"complaint_id":"11119203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FirstPoint Collection Resources","date_received":"2024-12-11T16:36:38.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I would like to <em>provide</em> clarification of the situation and address concerns regarding the validity of the <em>debt</em>. \n\n<em>Disputed</em> Account : I <em>dispute</em> the validity of this account, as I have no recollection of the <em>debt</em> or agreement with the original creditor. I believe this information is either inaccurate or incomplete, and it should be investigated further. I did not authorize any <em>debt</em> or have any dealings with FirstPoint Collection Resolution."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[11.259704,"11119203"]},{"_index":"complaint-public-v1","_id":"13437754","_score":11.253998,"_source":{"product":"Debt collection","complaint_what_happened":"The letter below was sent to collecting services. \n\nRe : Request for Forward Flow Agreement or Chain of Title of Ownership of Account Number XXXX I am writing to request documentation that verifies your company 's ownership and rights to collect on the above-referenced account. As you are aware, I previously requested validation of the debt, and your response included a summary statement. \n\nHowever, I must inform you that a summary statement is not a valid means of providing validation of the debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, validation of a debt must include : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement that the debt will be assumed valid unless disputed within 30 days ; and 4. A statement that if disputed, the debt collector will obtain verification of the debt.\n\nTo properly validate the debt, I am requesting that you provide either : 1. A copy of the Forward Flow Agreement between the original creditor and your company, which outlines the terms of the sale or transfer of the debt.\n\n2. The Chain of Title of Ownership, which provides a complete record of all assignments, sales, or transfers of the debt from the original creditor to your company. \n\nPlease provide the requested documentation within 30 days of receipt of this letter. Failure to provide this information will lead me to dispute the debt and report any inaccuracies to the credit reporting agencies.","date_sent_to_company":"2025-05-10T03:07:12.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"30265","tags":null,"has_narrative":true,"complaint_id":"13437754","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-05-10T02:40:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Failure to <em>provide</em> this information will lead me to <em>dispute</em> the <em>debt</em> and report any inaccuracies to the credit reporting agencies."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[11.253998,"13437754"]},{"_index":"complaint-public-v1","_id":"18725341","_score":11.250576,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2025, I received a notice from Sequium Asset Solutions ( Ref : XXXX ) regarding an alleged debt to XXXX. I formally disputed this debt via email on the same day and requested full validation, specifically requesting a copy of a contract bearing my signature, as I never signed a contract with XXXX. \nSequium acknowledged the dispute on XX/XX/2025. I allowed 30 days for them to provide proof. They failed to provide any documentation. On XX/XX/2025, I sent a Final Notice demanding they close the file due to their failure to validate the debt.\n\nAs of today, Sequium has failed to provide validation, has failed to prove I have any legal obligation to pay this debt, and has failed to confirm the closure of the account despite my formal dispute. They are in violation of the FDCPA for failing to provide validation upon request.","date_sent_to_company":"2026-01-14T20:41:33.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"33907","tags":null,"has_narrative":true,"complaint_id":"18725341","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2026-01-14T20:14:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["On XX/XX/2025, I received a notice from Sequium Asset Solutions ( Ref : XXXX ) regarding an alleged <em>debt</em> to XXXX. I formally <em>disputed</em> this <em>debt</em> via email on the same day and <em>requested</em> full validation, specifically <em>requesting</em> a copy of a contract bearing my signature, as I never signed a contract with XXXX. \nSequium acknowledged the <em>dispute</em> on XX/XX/2025. I allowed 30 days for them to <em>provide</em> proof. They failed to <em>provide</em> any documentation."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Telecommunications <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[11.250576,"18725341"]},{"_index":"complaint-public-v1","_id":"11116619","_score":11.24654,"_source":{"product":"Debt collection","complaint_what_happened":"Heres a sample of how you might describe what happened for your dispute : I am disputing the debt associated with Midland Credit Management that was reported on my credit file. The account, which shows an open balance of {$640.00}, was opened on XX/XX/year>. I have no knowledge of the transaction or obligation that led to this reported balance. \n\nI previously disputed this debt with Midland Credit Management and requested clarification regarding the origin and ownership of the debt, but I have not received sufficient documentation to verify the debt. I am requesting that they provide proof of ownership and the original creditor 's name, the amount owed, and the amount paid to purchase the debt. \n\nFurthermore, I am concerned that Midland Credit Management is attempting to collect a debt that they XXXX not legally own, as they are not the original creditor. If they purchased the debt, they need to provide documentation proving they have the legal right to collect on it. I have not been given the required validation, which has resulted in this debt remaining on my credit report and negatively impacting my XXXX XXXX. \n\nTo resolve this, I am requesting that Midland Credit Management provide proof of the debts ownership and any related documents verifying its legitimacy. If they can not provide this, I request that the debt be removed from my credit report.","date_sent_to_company":"2024-12-11T17:51:22.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"70805","tags":null,"has_narrative":true,"complaint_id":"11116619","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-12-11T17:46:21.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["To resolve this, I am <em>requesting</em> that Midland Credit Management <em>provide</em> proof of the <em>debts</em> ownership and any related documents verifying its legitimacy. If they can not <em>provide</em> this, I <em>request</em> that the <em>debt</em> be removed from my credit report."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[11.24654,"11116619"]},{"_index":"complaint-public-v1","_id":"13376104","_score":11.245374,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. \n\nPlease be advised that : XXXX. I dispute the entire amount of the alleged debt. \nXXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. \nXXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. \nXXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. \n\nAs per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. \n\nIf you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. \n\nThank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-07T13:32:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"13376104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FourLeaf Federal Credit Union","date_received":"2025-05-07T13:13:31.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>request</em> that you <em>provide</em> validation of the <em>debt</em>, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the <em>debt</em> was reached. \nXXXX. You cease any <em>debt</em> collection efforts until this <em>dispute</em> is resolved and verified documents are provided to me. \nXXXX. I <em>request</em> my <em>debt</em> account not be reported to any credit agencies until you <em>provide</em> evidence validating the <em>debt</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[11.245374,"13376104"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":80551,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":80551}]}},"product":{"doc_count":80551,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":36899,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":36578},{"key":"Other personal consumer report","doc_count":321}]}},{"key":"Debt 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