Consumer complaint received 2023-02-19
Company: Zions Debt Holdings
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to a bankruptcy Order of Discharge granted to me under 11 U.S.C. 727, I, XXXX XXXX XXXX, am XXXX of many debts, including a specified debt of Vivint ( XXXX XXXX XXXX is how the XXXX. Bankruptcy XXXX spelled it ). The amount of debt, when discharged in a XXXX  XXXX was about {$3500.00}. On XX/XX/XXXX, I noticed that a collections agency named XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX reported that I have an active collections with Vivint with the same account number ( XXXX ). I responded with a cease and desist demand letter ( attached ) and cited violations of the FCRA, FDCPA, and Defamation of Character. The certified mail number, as I recall, was : XXXX. Under assumption, XXXX XXXX XXXX should have informed their client, XXXX, of this information. Please bear in mind that the Order of Discharge ( attached ) from the US Bankruptcy Court was transmitted to " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX, UT XXXX, under a Certificate of Notice ( attached ), with XXXX XXXX XXXX XXXX the XXXX of the court who did such action. This was done ( assumingly from the attached order of discharge ) on XX/XX/XXXX. On XX/XX/XXXX, I noticed that a new collections agency, Zions Debt Holdings, XXXX, reported a new open account of collections with the same account number " ( XXXX ) ''. I sent this new collections agency ( attached ) and Vivint a cease and desist notice and intent to report a complaint to your office, the FTC, and the CFPB XXXX Utah XXXX and/or the United States Government as necessary. I also declared intent of litigation if the collections agency does not cure the reporting within 15 days of receiving the letter in certified mail. Certified Mail for XXXX : XXXX and for Zions Debt Holdings XXXX : XXXX. Further, I have submitted a dispute request to XXXX to show this at least to be discharged in Bankruptcy XXXX XXXX. As it stands now, I am having to repeat disputing new collections agencies reporting a debt I was legally discharged from ; and, now I must consider this to be fraudulent activity, at least by XXXX. 
Furthermore, under the same bankruptcy case and discharge, I have to keep reporting to XXXX and XXXX that a debt being reported as still " Charged-off '' and not " discharged in bankruptcy XXXX  XXXX '' by the creditor, LendingClub ( either at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, or at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX I most recently did this at least a third time to XXXX, who claims to agree with the creditor that it is still an open closed charged-off account. This particular account was co-signed by another debtor, XXXX XXXX XXXX ; however, the XXXX Bankruptcy court granted me an order of discharge for my debt to XXXX. I view and assume this continual inaccurate reporting to credit bureaus as XXXX XXXX XXXX, and violations of the FCRA and FDCPA, as well as Fraudulent Activity, at least on the part of XXXX. 
I have also just filed the complaint with the Utah State Attorney General 's Office.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation