Consumer complaint received 2021-03-15
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  is reporting this DEBT ( RECIEVEABLE MANAGEMENT ) as a collection on my credit report. I've sent the collection a dispute of validation. The company has not provided any proof validating the DEBT ( RECIEVEABLE MANAGEMENT ) but sent a letter needing more time. FCRA says 30 days a debt collector or CRA has to validate the debt. I all sent a copy of letters between the collection company and myself. XXXX had 30 days to validate the debt. XXXX  removed the collection from my credit report XX/XX/2021. XXXX then today replace this date on my credit report XX/XX/2021. Yet I have not received any validation from this collection, nothing. REINSERTION FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

What XXXX has been doing is beyond damaging to my life XXXX reported inaccurate information about XXXX XXXX, ( 2 ) that XXXX verification procedures were unreasonable, or ( 3 ) that XXXX willfully violated MY rights https : XXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
It's basically illegal what XXXX  has been doing and no one even reads anymore. It states clearly what the law is but XXXX is defiant. Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I'm starting to have serious problems from this stress seriously!

Company response to consumer: Closed with explanation