Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Collection Service, LLC
State: AZ

Complaint narrative:
CFPB FORMAL COMPLAINT VALLEY COLLECTION SERVICES ( Account XXXX ) Consumer : XXXX XXXX XXXX Collector : Valley Collection Services Account Number : XXXX Credit Bureau : XXXX ( reported XX/XX/year> ) 1. Summary of Complaint Valley Collection Services is furnishing inaccurate, incomplete, and unverified information to XXXX regarding account XXXX. The account is reported as seriously past due/assigned to attorney or collection agency despite being listed as closed, lacking required payment data, and containing contradictory or missing fields. The furnisher has not validated the debt, has not demonstrated permissible purpose, and has verified disputed information without investigation. These actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 2. FCRA Violations A. FCRA 1681s2 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information The furnisher is reporting : - No date of last payment - No monthly payment - No highest balance - No payment history - A seriously past due status without supporting data- A XXXX term on a nearly XXXX account - A closed account still reported as delinquent These omissions and contradictions constitute inaccurate and incomplete reporting. B. FCRA 1681s2 ( a ) ( 2 ) Duty to Correct and Update The furnisher continues updating the account ( XX/XX/year> ) without correcting missing or contradictory fields. C. FCRA 1681s2 ( a ) ( 3 ) Failure to Mark Account as Disputed The furnisher failed to report the account as disputed by consumer after my dispute. D. FCRA 1681s2 ( b ) Failure to Conduct Reasonable Investigation The furnisher verified the account without providing : - Contract or agreement - Itemized accounting - Proof of ownership or assignment - Payment history - Date of first delinquency This constitutes failure to investigate. E. FCRA 1681e ( b ) Failure to Maintain Reasonable Procedures for Accuracy XXXX is reporting an account with no payment history, no last payment date, no balance history, and an unsupported delinquency status, demonstrating unreliable reporting. F. FCRA 1681c ( a ) ( 4 ) - ( 5 ) Obsolete Information / Missing DOFD The furnisher has not provided the Date of First Delinquency ( DOFD ), preventing determination of the 7year reporting period. 3. FDCPA Violations A. FDCPA 809 ( a ) Failure to Provide Validation The collector has not provided validation, including original creditor information, itemization, contract, or proof of assignment. B. FDCPA 807 False or Misleading Representations Reporting a closed account as seriously past due, and reporting delinquency without supporting dates or history, is materially misleading. C. FDCPA 807 ( 8 ) Failure to Mark as Disputed The collector failed to communicate the dispute to XXXX. D. FDCPA 813 Continued Collection Activity Without Validation Updating the tradeline after a dispute constitutes continued collection activity. 4. Harm to Consumer The inaccurate reporting has caused : - Lower credit score - Denial of credit opportunities - Higher interest rates - Reputational harm - Emotional distress

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief