Consumer complaint received 2022-01-05
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to file a complaint against Clark County Collections, for there non-compliance of Federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and state laws. Clark County Collections agency has illegally chosen to continue to report inaccurate, incomplete and unverified information to the credit bureaus, regardless of my numerous attempts and communications to remedy this situation. 
Clark County Collection agency is in violation of the Federal and State laws based on the following : 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I am writing to file a complaint against Clark County Collections, for there non-compliance of Federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and state laws. Clark County Collections agency has illegally chosen to continue to report inaccurate, incomplete and unverified information to the credit bureaus, regardless of my numerous attempts and communications to remedy this situation.

Clark County Collection agency is in violation of the Federal and State laws based on the following : 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
In response to my attempts to resolve this dispute with Clark County Collection service, they continue to send me statements reflecting a balance of {$2000.00}, However they are reporting a balance of {$2400.00} to the credit reporting agencies. They have failed to send me anything in writing that validates the debt that they are currently reporting. The first letter that I mailed them regarding this was sent on XX/XX/2021, in which by law they had 30 days to respond with validation of the debt or remove the collection account from my report. I then sent another letter in attempt to remedy this situation on XX/XX/2021 after they failed to validate the debt. Lastly, I sent in a final written request for validation on XX/XX/2021. They have still failed to validate the debt and continues to report inaccurate, incomplete and unverified debt. By law this should have been removed from my credit report following my XXXX attempt to rectify this, but this account is still being reported illegally and it has continued to damage my credit history. 
The only resolution I am looking for at this point from Clark County Collection Service, is for them to remove this inaccurate, unverified account from my credit report immediately. They have mailed me a copy of my original lease from the original creditor but there is no clause or provision in that lease that justifies the inaccuracy of what they say I owe vs. what they are actually reporting. I am happy to attach proof of all of my communications as well as the documents that they have mailed me thus far.

Company response to consumer: Closed with explanation