Consumer complaint received 2023-09-09
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute an inaccurate and unsubstantiated debt collection account that has been reported on my credit report. I am concerned that this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in resolving this matter promptly and satisfactorily. 

Account Information : Creditor : Collections Unlimited Inc Account Number : XXXX I have no recollection of any contractual agreement or financial obligation to Collections Unlimited Inc or any other entity with an account number matching the XXXX mentioned above. Furthermore, I have never signed any agreement, received any services, or incurred any debt that would warrant my responsibility for this alleged debt. 

The FCRA mandates that creditors and debt collectors report accurate and verifiable information to credit reporting agencies. Failure to adhere to these guidelines can result in severe penalties for non-compliance. I believe that the inclusion of this disputed account on my credit report is not only erroneous but also in direct violation of the FCRA. Specifically, I wish to bring to your attention the following sections of the FCRA, which pertain to my rights as a consumer : 1. **Section 609 ( a ) ( 1 ) ** : This section of the FCRA requires that credit reporting agencies provide consumers with a copy of their credit report upon request, which I have obtained, and the right to dispute any inaccurate information contained therein.

2. **Section 611 ( a ) ( 1 ) ( A ) ** : This section states that credit reporting agencies must investigate the disputed information and, if found to be inaccurate, incomplete, or unverifiable, they must promptly delete it or correct it. 

3. **Section 623 ( a ) ( 1 ) ( A ) ** : This section mandates that furnishers of information to credit reporting agencies, including debt collectors, must provide accurate and complete information.

Given the absence of any contractual agreement or legitimate debt, I request the following actions to rectify this situation : 1. An immediate investigation into the accuracy and validity of the debt collection account reported by Collections Unlimited Inc, as mandated by the FCRA.

2. Prompt removal of the disputed account from my credit report, as it is inaccurate and unverifiable.

3. Confirmation in writing that this erroneous information has been removed from my credit report. 

I trust that you will treat this matter with the urgency it deserves, as the inclusion of this inaccurate information on my credit report is having a detrimental impact on my financial well-being. Please be advised that, if this matter is not resolved in a timely and satisfactory manner, I will not hesitate to pursue legal remedies available to me under the FCRA, including but not limited to, filing a complaint with the appropriate regulatory authorities and seeking damages in a court of law. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation