{"took":116,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3534,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11119203","_score":20.547007,"_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 formally request that FirstPoint <em>Collection</em> Resolution provide me with detailed, itemized <em>documentation</em> that confirms the debt, including the name of the original creditor and how they arrived at the balance being reported. \n\nDiscrepancies and <em>Removal</em> Request : If FirstPoint <em>Collection</em> Resolution can not provide adequate <em>documentation</em> to <em>verify</em> the debt, I request the immediate <em>removal</em> of this <em>account</em> from my credit report."],"product":["Debt <em>collection</em>"],"company":["FirstPoint <em>Collection</em> Resources"]},"sort":[20.547007,"11119203"]},{"_index":"complaint-public-v1","_id":"15457014","_score":20.487446,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for reporting inaccurate information and failing to ensure proper verification. \n\nXXXX XXXX XXXX XXXX A collection account shows as opened on XX/XX/year>, but is reported as a collection by XX/XX/year> with no prior delinquency history, missing account terms, and no proof of debt.\n\nI disputed this account through Experian, citing FCRA Sections 602A, 611A, and 623A, which require accuracy, reasonable investigation, and proper verification of furnished information.\n\nExperian continues to report this account without proper documentation or confirmation of validity. I am requesting the CFPB to investigate Experians handling of my dispute and require removal or correction of this inaccurate account.","date_sent_to_company":"2025-08-22T14:21:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30314","tags":null,"has_narrative":true,"complaint_id":"15457014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-22T14:11:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I disputed this <em>account</em> through Experian, citing FCRA Sections 602A, 611A, and 623A, which require accuracy, reasonable <em>investigation</em>, and proper <em>verification</em> of furnished information.\n\nExperian continues to report this <em>account</em> without proper <em>documentation</em> or confirmation of <em>validity</em>. I am requesting the CFPB to <em>investigate</em> Experians handling of my dispute and require <em>removal</em> or correction of this inaccurate <em>account</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[20.487446,"15457014"]},{"_index":"complaint-public-v1","_id":"5069590","_score":20.34118,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX account for {$360.00} is being flagged on my TransUnion and XXXX XXXX reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. \nIn XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. \n\nXX/XX/XXXX Mailed Dispute Affidavits to Transunion and XXXX asking for investigation and removal. \n\nXX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. \n\nXX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. \n\nXX/XX/XXXX Received reply from Transunion indicating their investigation proved the item was mine and valid. No documentation provided. \n\nXX/XX/XXXX Mailed Verification Affidavit to both XXXX and Transunion regarding their investigation results. \n\nXX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. \n\nXX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. \n\nPlease note that XXXX did remove this account after their investigation. How can XXXX and Transunion be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.","date_sent_to_company":"2022-01-04T23:04:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"220XX","tags":null,"has_narrative":true,"complaint_id":"5069590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-01-04T23:04:55.000Z","state":"VA","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":["XX/XX/XXXX Mailed Dispute Affidavits to Transunion and XXXX asking for <em>investigation</em> and <em>removal</em>. \n\nXX/XX/XXXX Reply from XXXX indicating their <em>investigation</em> found that the <em>account</em> was mine and <em>valid</em>. No proof or evidence given. \n\nXX/XX/XXXX Received notice from XXXX that the <em>account</em> was mine and <em>valid</em>. No proof or <em>valid</em> <em>documentation</em> included. \n\nXX/XX/XXXX Received reply from Transunion indicating their <em>investigation</em> proved the item was mine and <em>valid</em>. No <em>documentation</em> provided."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.34118,"5069590"]},{"_index":"complaint-public-v1","_id":"21268208","_score":20.26508,"_source":{"product":"Debt collection","complaint_what_happened":"I have requested the following actions from credit collection services on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX A full and thorough investigation of this account Proper validation of the alleged debt Removal of this account from all credit reporting agencies if it can not be properly verified. \nCredit Collection Services is unable to provide sufficient documentation to support the validity of this debt, I request that this account be deleted from my credit reports immediately. This account is causing significant harm to my creditworthiness due to potentially inaccurate reporting.","date_sent_to_company":"2026-04-15T16:55:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"312XX","tags":null,"has_narrative":true,"complaint_id":"21268208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2026-04-15T16:41:57.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I have requested the following actions from credit <em>collection</em> services on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX A full and thorough <em>investigation</em> of this <em>account</em> Proper validation of the alleged debt <em>Removal</em> of this <em>account</em> from all credit reporting agencies if it can not be properly <em>verified</em>. \nCredit <em>Collection</em> Services is unable to provide sufficient <em>documentation</em> to support the <em>validity</em> of this debt, I request that this <em>account</em> be deleted from my credit reports immediately."],"product":["Debt <em>collection</em>"]},"sort":[20.26508,"21268208"]},{"_index":"complaint-public-v1","_id":"13232487","_score":19.884878,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed a collection account from Collection Associates Ltd on my credit report that I do not recognize and was never notified about. I did not receive any written notice or validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full investigation into the validity of this debt and the removal of this collection from my credit report if it can not be properly verified. \n\nThis account is causing harm to my credit and was placed without my knowledge or proper communication. I want this account removed if Collection Associates Ltd can not provide documentation proving the debt is mine, including the original creditor, amount, and dates.","date_sent_to_company":"2025-04-29T17:16:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"13232487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COLLECTION ASSOCIATES, LTD.","date_received":"2025-04-29T17:13:16.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I noticed a <em>collection</em> <em>account</em> from <em>Collection</em> Associates Ltd on my credit report that I do not recognize and was never notified about. I did not receive any written notice or validation of the debt as required under the Fair Debt <em>Collection</em> Practices Act ( FDCPA ). I am requesting a full <em>investigation</em> into the <em>validity</em> of this debt and the <em>removal</em> of this <em>collection</em> from my credit report if it can not be properly <em>verified</em>."],"company":["<em>COLLECTION</em> ASSOCIATES, LTD."]},"sort":[19.884878,"13232487"]},{"_index":"complaint-public-v1","_id":"10436641","_score":19.831982,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I believe this account is inaccurately reported or should not be included in my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, verifiable, and reported within the allowable time frames. \n\nI am requesting that TransUnion : Investigate the validity of this account. \nVerify that XXXX XXXX XXXX XXXX XXXX and the original creditor, XXXX XXXX XXXX  XXXX XXXX, have adhered to all reporting guidelines under the FCRA. \nRemove the collection account if it can not be verified or if it is inaccurately reported. \nPlease inform me of the results of your investigation and provide an updated copy of my credit report reflecting the removal of the collection if appropriate. I have enclosed supporting documentation to assist with your investigation. \n\nThank you for your time and prompt attention to this matter.","date_sent_to_company":"2024-10-14T01:35:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77532","tags":null,"has_narrative":true,"complaint_id":"10436641","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-14T01:26:13.000Z","state":"TX","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":["<em>Verify</em> that XXXX XXXX XXXX XXXX XXXX and the original creditor, XXXX XXXX XXXX  XXXX XXXX, have adhered to all reporting guidelines under the FCRA. \nRemove the <em>collection</em> <em>account</em> if it can not be <em>verified</em> or if it is inaccurately reported. \nPlease inform me of the results of your <em>investigation</em> and provide an updated copy of my credit report reflecting the <em>removal</em> of the <em>collection</em> if appropriate. I have enclosed supporting <em>documentation</em> to assist with your <em>investigation</em>."]},"sort":[19.831982,"10436641"]},{"_index":"complaint-public-v1","_id":"17885248","_score":19.762516,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/2025 Subject : Request for Removal of Collection Account To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account currently appearing on my credit report. After reviewing my file, I believe this account is being reported inaccurately or without full verification as required by the Fair Credit Reporting Act ( FCRA ). Please conduct a thorough reinvestigation and verify the accuracy of this account. If the furnisher of the information can not provide complete documentation proving the validity of the debt, I am requesting its immediate removal from my credit file in accordance with FCRA Section 611.\n\nAccount Information : Creditor Name : LVNV Funding Collection Agency : XXXX XXXX XXXX XXXX I have attached a copy of my government-issued ID and a recent proof of address for verification purposes. Please provide the results of your investigation to the mailing address listed below within the 30-day period allowed by law.\n\nSincerely,","date_sent_to_company":"2025-11-29T03:13:27.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"76006","tags":null,"has_narrative":true,"complaint_id":"17885248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-11-29T02:54:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["If the furnisher of the information can not provide complete <em>documentation</em> proving the <em>validity</em> of the debt, I am requesting its immediate <em>removal</em> from my credit file in accordance with FCRA Section 611.\n\n<em>Account</em> Information : Creditor Name : LVNV Funding <em>Collection</em> Agency : XXXX XXXX XXXX XXXX I have attached a copy of my government-issued ID and a recent proof of address for <em>verification</em> purposes."],"product":["Debt <em>collection</em>"]},"sort":[19.762516,"17885248"]},{"_index":"complaint-public-v1","_id":"12568726","_score":19.681597,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Inaccurate Collection Account on My Credit Report - Investigation Request I am filing a dispute regarding an inaccurate collection account appearing on my credit report. This account is being reported to XXXX XXXX with account number : XXXX, and is considered incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. The presence of this account on my credit report is negatively impacting me, so I request its immediate removal if it can not be verified with legal documentation. I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and the collection agency are in compliance with the FCRA. I appreciate your prompt attention to this matter.","date_sent_to_company":"2025-03-19T16:39:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12568726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Regional Management Corporation","date_received":"2025-03-19T16:35:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have requested validation of this <em>account</em> from the credit bureau, but they have not provided sufficient evidence that this debt is <em>valid</em> and belongs to me. The presence of this <em>account</em> on my credit report is negatively impacting me, so I request its immediate <em>removal</em> if it can not be <em>verified</em> with legal <em>documentation</em>. I have attached a formal dispute letter along with supporting documents."],"product":["Debt <em>collection</em>"]},"sort":[19.681597,"12568726"]},{"_index":"complaint-public-v1","_id":"12568299","_score":19.668976,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Inaccurate Collection Account on My Credit Report - Investigation Request I am filing a dispute regarding an inaccurate collection account appearing on my credit report. This account is being reported by : XXXX  with account number : XXXX, and is considered incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. The presence of this account on my credit report is negatively impacting me, so I request its immediate removal if it can not be verified with legal documentation. I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and the collection agency are in compliance with the FCRA. I appreciate your prompt attention to this matter.","date_sent_to_company":"2025-05-08T16:18:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12568299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Alorica Inc.","date_received":"2025-03-19T16:21:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have requested validation of this <em>account</em> from the credit bureau, but they have not provided sufficient evidence that this debt is <em>valid</em> and belongs to me. The presence of this <em>account</em> on my credit report is negatively impacting me, so I request its immediate <em>removal</em> if it can not be <em>verified</em> with legal <em>documentation</em>. I have attached a formal dispute letter along with supporting documents."],"product":["Debt <em>collection</em>"]},"sort":[19.668976,"12568299"]},{"_index":"complaint-public-v1","_id":"7381624","_score":19.635357,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX known as \" XXXX '' serving as the Servicer for the account. I hereby request a thorough re-investigation of this matter based on the following concerns : Lack of Valid Validation of Debt : XXXX has repeatedly failed to provide any valid verification of debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite my previous requests for a contractual agreement containing my full signature and matching my social security number, XXXX has not produced the necessary documentation to establish the legitimacy of the debt. \n\n\nDisputed Origin of the Account : XXXX alleges that the Collections status is from an account that originated on XX/XX/XXXX, with XXXX XXXX XXXX, XXXX, and further claims the last payment was received on XX/XX/XXXX, for {$80.00}, with the account being charged off on XX/XX/XXXX, with a balance of {$2100.00}. I dispute the validity of this account 's origin with XXXX XXXX XXXX, XXXX, as I have never had any creditor relationship with XXXX XXXX XXXX, XXXX. through a contractual agreement executed with my full signature and matching my social security number. This constitutes a violation of the FDCPA, as the burden of proof lies with XXXX to demonstrate the existence of a valid debt. \n\n\nFailure to Produce Assignment Transfer of Debt : XXXX has not provided any verification of debt through an Assignment Transfer of Debt, as required by the FDCPA. This documentation is essential to validate the ownership and legitimacy of the collections account. The absence of such documentation further raises doubts about the legality and accuracy of the collections entry. \n\n\nXXXX 's response has been inadequate and has not fulfilled the legal requirements for verification of debt, as outlined by the FDCPA. Instead, XXXX has provided a false billing statement and terms and conditions, which do not constitute a valid contractual agreement under the FDCPA. This action has resulted in an inaccurate and misleading representation of my credit history with TransUnion. \n\n\nI demand that TransUnion initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry reported by XXXX XXXX XXXX, taking into account the requirements set forth by the FDCPA. I urge TransUnion to verify the existence of a valid contractual agreement, the permissible purpose for accessing my credit information, and the proper documentation regarding any Assignment Transfer of Debt, as mandated by the FDCPA. \n\n\nFurthermore, I request that TransUnion provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute, specifically addressing the violations of the FDCPA. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry if found to be invalid or unverifiable. \n\n\nYour immediate attention to this matter is greatly appreciated. I believe that resolving this dispute in accordance with the law is essential, and I kindly request transparency throughout the re-investigation process, in compliance with the FDCPA.","date_sent_to_company":"2023-08-10T13:59:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"7381624","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-10T13:51:46.000Z","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":["Failure to Produce Assignment Transfer of Debt : XXXX has not provided any <em>verification</em> of debt through an Assignment Transfer of Debt, as required by the FDCPA. This <em>documentation</em> is essential to validate the ownership and legitimacy of the <em>collections</em> <em>account</em>. The absence of such <em>documentation</em> further raises doubts about the legality and accuracy of the <em>collections</em> entry."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.635357,"7381624"]},{"_index":"complaint-public-v1","_id":"7380459","_score":19.635357,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by Resurgent Receivables LLC, with Resurgent Capital Services L.P. known as \" Resurgent '' serving as the Servicer for the account. I hereby request a thorough re-investigation of this matter based on the following concerns : Lack of Valid Validation of Debt : Resurgent has repeatedly failed to provide any valid verification of debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite my previous requests for a contractual agreement containing my full signature and matching my social security number, Resurgent has not produced the necessary documentation to establish the legitimacy of the debt. \n\n\nDisputed Origin of the Account : Resurgent alleges that the Collections status is from an account that originated on XX/XX/XXXX, with XXXX XXXX XXXX XXXX, and further claims the last payment was received on XX/XX/XXXX, for {$80.00}, with the account being charged off on XX/XX/XXXX, with a balance of {$2100.00}. I dispute the validity of this account 's origin with XXXX XXXX XXXX XXXX, as I have never had any creditor relationship with XXXX XXXX XXXX XXXX through a contractual agreement executed with my full signature and matching my social security number. This constitutes a violation of the FDCPA, as the burden of proof lies with Resurgent to demonstrate the existence of a valid debt. \n\n\nFailure to Produce Assignment Transfer of Debt : Resurgent has not provided any verification of debt through an Assignment Transfer of Debt, as required by the FDCPA. This documentation is essential to validate the ownership and legitimacy of the collections account. The absence of such documentation further raises doubts about the legality and accuracy of the collections entry. \n\n\nResurgent 's response has been inadequate and has not fulfilled the legal requirements for verification of debt, as outlined by the FDCPA. Instead, Resurgent has provided a false billing statement and terms and conditions, which do not constitute a valid contractual agreement under the FDCPA. This action has resulted in an inaccurate and misleading representation of my credit history with XXXX. \n\n\nI demand that XXXX initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry reported by Resurgent Receivables LLC, taking into account the requirements set forth by the FDCPA. I urge XXXX to verify the existence of a valid contractual agreement, the permissible purpose for accessing my credit information, and the proper documentation regarding any Assignment Transfer of Debt, as mandated by the FDCPA. \n\n\nFurthermore, I request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute, specifically addressing the violations of the FDCPA. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry if found to be invalid or unverifiable. \n\n\nYour immediate attention to this matter is greatly appreciated. I believe that resolving this dispute in accordance with the law is essential, and I kindly request transparency throughout the re-investigation process, in compliance with the FDCPA.","date_sent_to_company":"2023-08-10T13:59:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"7380459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-08-10T13:59:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to Produce Assignment Transfer of Debt : Resurgent has not provided any <em>verification</em> of debt through an Assignment Transfer of Debt, as required by the FDCPA. This <em>documentation</em> is essential to validate the ownership and legitimacy of the <em>collections</em> <em>account</em>. The absence of such <em>documentation</em> further raises doubts about the legality and accuracy of the <em>collections</em> entry."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.635357,"7380459"]},{"_index":"complaint-public-v1","_id":"7378248","_score":19.635357,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by Resurgent Receivables LLC, with Resurgent Capital Services L.P. known as \" Resurgent '' serving as the Servicer for the account. I hereby request a thorough re-investigation of this matter based on the following concerns : Lack of Valid Validation of Debt : Resurgent has repeatedly failed to provide any valid verification of debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite my previous requests for a contractual agreement containing my full signature and matching my social security number, Resurgent has not produced the necessary documentation to establish the legitimacy of the debt. \n\n\nDisputed Origin of the Account : Resurgent alleges that the Collections status is from an account that originated on XX/XX/XXXX, with XXXX XXXX XXXX, XXXX, and further claims the last payment was received on XX/XX/XXXX, for {$80.00}, with the account being charged off on XX/XX/XXXX, with a balance of {$2100.00}. I dispute the validity of this account 's origin with XXXX XXXX XXXX, XXXX, as I have never had any creditor relationship with XXXX XXXX XXXX, XXXX. through a contractual agreement executed with my full signature and matching my social security number. This constitutes a violation of the FDCPA, as the burden of proof lies with Resurgent to demonstrate the existence of a valid debt. \n\n\nFailure to Produce Assignment Transfer of Debt : Resurgent has not provided any verification of debt through an Assignment Transfer of Debt, as required by the FDCPA. This documentation is essential to validate the ownership and legitimacy of the collections account. The absence of such documentation further raises doubts about the legality and accuracy of the collections entry. \n\n\nResurgent 's response has been inadequate and has not fulfilled the legal requirements for verification of debt, as outlined by the FDCPA. Instead, Resurgent has provided a false billing statement and terms and conditions, which do not constitute a valid contractual agreement under the FDCPA. This action has resulted in an inaccurate and misleading representation of my credit history with XXXX. \n\n\nI demand that XXXX initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry reported by Resurgent Receivables LLC, taking into account the requirements set forth by the FDCPA. I urge XXXX to verify the existence of a valid contractual agreement, the permissible purpose for accessing my credit information, and the proper documentation regarding any Assignment Transfer of Debt, as mandated by the FDCPA. \n\n\nFurthermore, I request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute, specifically addressing the violations of the FDCPA. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry if found to be invalid or unverifiable. \n\n\nYour immediate attention to this matter is greatly appreciated. I believe that resolving this dispute in accordance with the law is essential, and I kindly request transparency throughout the re-investigation process, in compliance with the FDCPA.","date_sent_to_company":"2023-08-10T13:51:19.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"7378248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-08-10T13:51:16.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Failure to Produce Assignment Transfer of Debt : Resurgent has not provided any <em>verification</em> of debt through an Assignment Transfer of Debt, as required by the FDCPA. This <em>documentation</em> is essential to validate the ownership and legitimacy of the <em>collections</em> <em>account</em>. The absence of such <em>documentation</em> further raises doubts about the legality and accuracy of the <em>collections</em> entry."],"product":["Debt <em>collection</em>"]},"sort":[19.635357,"7378248"]},{"_index":"complaint-public-v1","_id":"13880941","_score":19.410086,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.\n\nLegal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. \nDemand for Action : I demand that Credit Bureau immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within XXXX business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. \nSupporting Documentation ( if applicable ) :","date_sent_to_company":"2025-06-05T00:22:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"323XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13880941","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-05T00:21:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or <em>collection</em> activities without proper validation. If the <em>collection</em> agency has not provided sufficient <em>verification</em> of the debt, including but not limited to proof of the original debt, the <em>account</em> 's <em>validity</em> is questionable. I have not received any proper <em>documentation</em> to support this debt."]},"sort":[19.410086,"13880941"]},{"_index":"complaint-public-v1","_id":"13882460","_score":19.36612,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.\n\nLegal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ].\n\nDemand for Action : I demand that Credit Bureau immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. \nSupporting Documentation ( if applicable ) :","date_sent_to_company":"2025-06-05T00:22:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"323XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13882460","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-05T00:12:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or <em>collection</em> activities without proper validation. If the <em>collection</em> agency has not provided sufficient <em>verification</em> of the debt, including but not limited to proof of the original debt, the <em>account</em> 's <em>validity</em> is questionable. I have not received any proper <em>documentation</em> to support this debt."]},"sort":[19.36612,"13882460"]},{"_index":"complaint-public-v1","_id":"12567988","_score":19.342129,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Inaccurate Collection Account on My Credit Report - Investigation Request I am filing a dispute regarding an inaccurate collection account appearing on my credit report. This account is being reported to : BANK OF AMERICA with account number : XXXX, and is considered incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. The presence of this account on my credit report is negatively affecting me, and I am requesting its immediate removal if it can not be verified with legal documentation. I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and the collection agency are in compliance with the FCRA. I appreciate your prompt attention to this matter.","date_sent_to_company":"2025-03-19T16:45:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12567988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-19T16:41:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have requested validation of this <em>account</em> from the credit bureau, but they have not provided sufficient evidence that this debt is <em>valid</em> and belongs to me. The presence of this <em>account</em> on my credit report is negatively affecting me, and I am requesting its immediate <em>removal</em> if it can not be <em>verified</em> with legal <em>documentation</em>. I have attached a formal dispute letter along with supporting documents."],"product":["Debt <em>collection</em>"]},"sort":[19.342129,"12567988"]},{"_index":"complaint-public-v1","_id":"12367369","_score":19.342129,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Inaccurate Collection Account on My Credit Report Investigation Request I am filing a dispute regarding an inaccurate collection account that appears on my credit report. This account is being reported by : JEFFERSON CAPITAL SYSTEM under account number : XXXX, and is deemed to be incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). \nI have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. \n\nThe presence of this account on my credit report is negatively affecting me, so I am requesting its immediate removal if it can not be verified with legal documentation. \n\nI have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and collection agency comply with the FCRA. \n\nI appreciate your prompt attention to this matter.","date_sent_to_company":"2025-03-07T20:00:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12367369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-03-07T19:49:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have requested validation of this <em>account</em> from the credit bureau, but they have not provided sufficient evidence that this debt is <em>valid</em> and belongs to me. \n\nThe presence of this <em>account</em> on my credit report is negatively affecting me, so I am requesting its immediate <em>removal</em> if it can not be <em>verified</em> with legal <em>documentation</em>. \n\nI have attached a formal dispute letter along with supporting documents."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[19.342129,"12367369"]},{"_index":"complaint-public-v1","_id":"21861559","_score":19.336468,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX XXXX, I had an account with XXXX that involved leased equipment. I made multiple attempts to return the equipment, but XXXX refused to accept it. Despite my efforts, the account was charged for unreturned equipment and later reported as a debt. \n\nThis alleged debt was subsequently placed with third-party collection agencies, including Jefferson Capital Systems LLC ( approx. {$570.00} ) and XXXX XXXX ( approx. {$330.00} ), and is currently being reported on my credit. \n\nI have disputed this matter and requested documentation verifying the validity of the debt, including proof that the equipment was not returned and that I am legally responsible for the balance. To date, no sufficient documentation has been provided. \n\nThis debt is not valid, as I made good-faith efforts to return the equipment and resolve the issue. The continued reporting and collection of this account is inaccurate and has negatively impacted my credit. \n\nI am requesting a full investigation, validation of the debt, and removal of this account from my credit report if it can not be properly verified. \n\nI have documentation showing that the original creditor, XXXX, issued a settlement offer regarding this account and indicated the possibility of selling the account to a third party. This demonstrates that the account was not properly resolved and was transferred despite my prior attempts to return the equipment and resolve the matter. \n\nI also made efforts via phone to return the equipment, which were refused. As a result, the balance should not have been assessed or reported as a valid debt.","date_sent_to_company":"2026-05-05T17:32:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"22030","tags":null,"has_narrative":true,"complaint_id":"21861559","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-05-04T18:50:28.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am requesting a full <em>investigation</em>, validation of the debt, and <em>removal</em> of this <em>account</em> from my credit report if it can not be properly <em>verified</em>. \n\nI have <em>documentation</em> showing that the original creditor, XXXX, issued a settlement offer regarding this <em>account</em> and indicated the possibility of selling the <em>account</em> to a third party. This demonstrates that the <em>account</em> was not properly resolved and was transferred despite my prior attempts to return the equipment and resolve the matter."],"product":["Debt <em>collection</em>"]},"sort":[19.336468,"21861559"]},{"_index":"complaint-public-v1","_id":"12557408","_score":19.31525,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Inaccurate Collection Account on My Credit Report - Investigation Request I am filing a dispute regarding an inaccurate collection account appearing on my credit report. This account is being reported to : COLUMBIA DEBT RECOVERY with account number : XXXX, and is considered incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. The presence of this account on my credit report is negatively impacting me, so I request its immediate removal if it can not be verified with legal documentation. I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and the collection agency are in compliance with the FCRA. I appreciate your prompt attention to this matter.","date_sent_to_company":"2025-03-19T16:48:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12557408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-03-19T16:45:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have requested validation of this <em>account</em> from the credit bureau, but they have not provided sufficient evidence that this debt is <em>valid</em> and belongs to me. The presence of this <em>account</em> on my credit report is negatively impacting me, so I request its immediate <em>removal</em> if it can not be <em>verified</em> with legal <em>documentation</em>. I have attached a formal dispute letter along with supporting documents."],"product":["Debt <em>collection</em>"]},"sort":[19.31525,"12557408"]},{"_index":"complaint-public-v1","_id":"12361712","_score":19.303465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Inaccurate Collection Account on My Credit Report Investigation Request I am filing a dispute regarding an inaccurate collection account that appears on my credit report. This account is being reported by : COLUMBIA BEBT RECOVERY under account number : XXXX, and is deemed to be incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). \n\nI have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. \n\nThe presence of this account on my credit report is negatively affecting me, so I am requesting its immediate removal if it can not be verified with legal documentation. \n\nI have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and collection agency comply with the FCRA. \n\nI appreciate your prompt attention to this matter.","date_sent_to_company":"2025-03-07T19:48:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12361712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-03-07T19:17:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have requested validation of this <em>account</em> from the credit bureau, but they have not provided sufficient evidence that this debt is <em>valid</em> and belongs to me. \n\nThe presence of this <em>account</em> on my credit report is negatively affecting me, so I am requesting its immediate <em>removal</em> if it can not be <em>verified</em> with legal <em>documentation</em>. \n\nI have attached a formal dispute letter along with supporting documents."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[19.303465,"12361712"]},{"_index":"complaint-public-v1","_id":"12568809","_score":19.302755,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Inaccurate Collection Account on My Credit Report - Investigation Request I am filing a dispute regarding an inaccurate collection account appearing on my credit report. This account is being reported to : OPORTUN/ PROGRESO FINAN, with account number : XXXX, and is considered incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. The presence of this account on my credit report is negatively affecting me, so I request its immediate removal if it can not be verified with legal documentation. I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and the collection agency are in compliance with the FCRA. I appreciate your prompt attention to this matter.","date_sent_to_company":"2025-03-19T16:21:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12568809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPORTUN FINANCIAL CORPORATION","date_received":"2025-03-19T16:14:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have requested validation of this <em>account</em> from the credit bureau, but they have not provided sufficient evidence that this debt is <em>valid</em> and belongs to me. The presence of this <em>account</em> on my credit report is negatively affecting me, so I request its immediate <em>removal</em> if it can not be <em>verified</em> with legal <em>documentation</em>. I have attached a formal dispute letter along with supporting documents."],"product":["Debt <em>collection</em>"]},"sort":[19.302755,"12568809"]},{"_index":"complaint-public-v1","_id":"12454310","_score":19.257172,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"\" I am filing this complaint because XXXX XXXX XXXX has reported a collection account on my credit report without my authorization or valid verification of the debt.\n\nUnder the Fair Credit Reporting Act ( FCRA ) Section 603 ( b ) and Fair Debt Collection Practices Act ( FDCPA ) Section 809, it is illegal for a debt collector to report negative information without my consent and without proper validation. \n\nI have not received proof that this debt is valid or that the collector has the right to report it. Despite my previous disputes, they have failed to provide documentation. This is a violation of my consumer rights. \n\nI request the CFPB to investigate this matter and require the immediate removal of this unauthorized collection from my credit report. I also request that the debt collector provide written proof if they claim to have my consent to report this debt. ''","date_sent_to_company":"2025-03-13T18:16:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02072","tags":null,"has_narrative":true,"complaint_id":"12454310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-13T18:16:15.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["\" I am filing this complaint because XXXX XXXX XXXX has reported a <em>collection</em> <em>account</em> on my credit report without my authorization or <em>valid</em> <em>verification</em> of the debt.\n\nUnder the Fair Credit Reporting Act ( FCRA ) Section 603 ( b ) and Fair Debt <em>Collection</em> Practices Act ( FDCPA ) Section 809, it is illegal for a debt collector to report negative information without my consent and without proper validation."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[19.257172,"12454310"]},{"_index":"complaint-public-v1","_id":"16889890","_score":19.254583,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  marked my dispute as completed within about one hour of submission without conducting a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The account in question is a medical collection for a date of service when I was insured under SSDI ( Medicare/Medicaid ) . I provided valid proof of coverage showing that I am not responsible for this debt. XXXX  failed to review or forward my evidence to the furnisher and closed the dispute improperly. I am requesting a full reinvestigation, verification of my documentation, and removal of this inaccurate medical collection.","date_sent_to_company":"2025-10-30T02:57:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27360","tags":null,"has_narrative":true,"complaint_id":"16889890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Management Holdings, LLC","date_received":"2025-10-30T02:57:05.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am requesting a full reinvestigation, <em>verification</em> of my <em>documentation</em>, and <em>removal</em> of this inaccurate medical <em>collection</em>."],"company":["<em>Collection</em> Management Holdings, LLC"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[19.254583,"16889890"]},{"_index":"complaint-public-v1","_id":"20816874","_score":19.253872,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Request for Investigation and Removal of Debt from Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of a debt that has been reported in my name regarding an account originally associated with Affirm , Inc. and referenced by your company. \nAccording to the information provided, this account reflects a balance of {$430.00} as of XX/XX/year>, related to a purchase through XXXX XXXX XXXX. At this time, I am requesting a full investigation into the accuracy and validity of this debt. \nI do not recall authorizing or having full knowledge of this account in the manner it has been reported. Additionally, I have not received sufficient documentation verifying that this debt is valid, accurate, and legally collectible. \nUnder my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Provide complete verification of this debt, including original account documentation Confirm that your company has the legal authority to collect on this account Verify that all reported information is accurate and complete If you are unable to provide proper validation of this debt, I respectfully request that this account be removed from all credit reporting agencies immediately. \nAdditionally, if any information reported is found to be inaccurate, incomplete, or unverifiable, I request its prompt deletion in accordance with federal law. \nPlease note that this letter is not an acknowledgment of responsibility for the debt, but rather a request for validation and investigation. \nI appreciate your prompt attention to this matter and expect a response within the timeframe required by law. \nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-31T18:44:06.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"95212","tags":null,"has_narrative":true,"complaint_id":"20816874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2026-03-31T18:43:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["At this time, I am requesting a full <em>investigation</em> into the accuracy and <em>validity</em> of this debt. \nI do not recall authorizing or having full knowledge of this <em>account</em> in the manner it has been reported. Additionally, I have not received sufficient <em>documentation</em> <em>verifying</em> that this debt is <em>valid</em>, accurate, and legally collectible."],"product":["Debt <em>collection</em>"]},"sort":[19.253872,"20816874"]},{"_index":"complaint-public-v1","_id":"20816873","_score":19.253872,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Request for Investigation and Removal of Debt from Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of a debt that has been reported in my name regarding an account originally associated with XXXX XXXX XXXX and referenced by your company. \nAccording to the information provided, this account reflects a balance of {$430.00} as of XX/XX/year>, related to a purchase through XXXX XXXX XXXX. At this time, I am requesting a full investigation into the accuracy and validity of this debt. \nI do not recall authorizing or having full knowledge of this account in the manner it has been reported. Additionally, I have not received sufficient documentation verifying that this debt is valid, accurate, and legally collectible. \nUnder my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Provide complete verification of this debt, including original account documentation Confirm that your company has the legal authority to collect on this account Verify that all reported information is accurate and complete If you are unable to provide proper validation of this debt, I respectfully request that this account be removed from all credit reporting agencies immediately. \nAdditionally, if any information reported is found to be inaccurate, incomplete, or unverifiable, I request its prompt deletion in accordance with federal law. \nPlease note that this letter is not an acknowledgment of responsibility for the debt, but rather a request for validation and investigation. \nI appreciate your prompt attention to this matter and expect a response within the timeframe required by law. \nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-31T18:44:10.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"95212","tags":null,"has_narrative":true,"complaint_id":"20816873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"January Technologies, Inc","date_received":"2026-03-31T18:30:39.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["At this time, I am requesting a full <em>investigation</em> into the accuracy and <em>validity</em> of this debt. \nI do not recall authorizing or having full knowledge of this <em>account</em> in the manner it has been reported. Additionally, I have not received sufficient <em>documentation</em> <em>verifying</em> that this debt is <em>valid</em>, accurate, and legally collectible."],"product":["Debt <em>collection</em>"]},"sort":[19.253872,"20816873"]},{"_index":"complaint-public-v1","_id":"12466306","_score":19.251976,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"\" I am filing this complaint because XXXX XXXX XXXX has reported a collection account on my credit report without my authorization or valid verification of the debt.\n\nUnder the Fair Credit Reporting Act ( FCRA ) Section 603 ( b ) and Fair Debt Collection Practices Act ( FDCPA ) Section 809, it is illegal for a debt collector to report negative information without my consent and without proper validation. \n\nI have not received proof that this debt is valid or that the collector has the right to report it. Despite my previous disputes, they have failed to provide documentation. This is a violation of my consumer rights. \n\nI request the CFPB to investigate this matter and require the immediate removal of this unauthorized collection from my credit report. I also request that the debt collector provide written proof if they claim to have my consent to report this debt. 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