Consumer complaint received 2024-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (TX)

I am filing this complaint regarding the Complete Credit Solutions collection account that remains open and inaccurately reported. I demand immediate action to address the numerous issues with this account, as the handling of this account violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect a timely and thorough resolution. 

1. Violation of FCRA - Collection Account Status : This collection account is still open, reported as Placed for Collection, with a balance of {$1500.00}. I am entitled to accurate and complete information, and FCRA Section 605 ( 15 U.S. Code 1681c ) requires that collection accounts be reported accurately and be removed after seven years. There is no reason this account should still be open if it has been placed for collection. I demand immediate clarification regarding whether this account is still under active collection. If it is, provide details about the steps I need to take to resolve the debt. If it is closed, I expect immediate confirmation of the accounts closure and the removal of any negative reporting.

2. FCRA Violation - Request for Complete Account Information : Under FCRA Section 609 ( 15 U.S. Code 1681g ), I have the legal right to request a full breakdown of the debt, including any fees, interest, and payments made. I demand that you provide me with the exact details of how the {$1500.00} balance was calculated. If I find discrepancies in the reported balance or additional charges that were not authorized, I will take immediate legal action to dispute them.

If this account is being reported inaccurately, I will not hesitate to take further steps to enforce my rights under the FCRA Section 607 ( 15 U.S. Code 1681e ), which demands that information reported to credit bureaus be accurate and complete.

3. FCRA Violation - Failure to Report Accurate Account Status : This collection account is still reported as " Open '' without a clear indication of its status. FCRA Section 605 ( 15 U.S. Code 1681c ) requires that outdated or inaccurate collection accounts be properly closed or reported. I demand that you immediately update the status of this account to reflect its true conditionwhether that be an active collection or a settled/closed account. If this account is marked as open in error, I expect it to be corrected immediately and all related negative impacts on my credit report to be addressed.

4. Demand for Immediate Action and Compliance with the FCRA : I demand that you respond to this complaint immediately, no later than 30 days from the date of this letter, as required by the FCRA Section 611 ( 15 U.S. Code 1681i ). If this issue is not resolved within the allotted time frame, I will file formal disputes with the credit bureaus and consider legal action.

Additionally, I expect that all errors or omissions related to this account be corrected in full compliance with the FCRA. If this account has been mishandled in any way, I will pursue all available remedies to ensure that it is removed from my credit report.

Requested Actions : Immediate Review and Resolution : I demand that you provide a complete breakdown of the {$1500.00} balance, including how the balance was determined, any added fees or interest, and the full payment history.

Clarification of Account Status : Confirm whether this account is still being pursued for collection or if it has been closed. If it is still in collection, provide me with instructions for settlement. If it is closed, provide confirmation of the closure and the removal of this item from my credit report.

Correction of Any Inaccurate Information : Please review and correct any inaccuracies in the reporting of this collection account, ensuring full compliance with the FCRA to reflect accurate and complete information.

I expect a prompt response within 30 days in accordance with FCRA timelines. Should you fail to resolve this issue to my satisfaction, I will escalate this matter by filing disputes with the credit bureaus, submitting a formal complaint to the CFPB, and pursuing legal action if necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX