Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation
State: WI

Complaint narrative:
For XXXX  Global FDCPA & FCRA DEMAND FOR DEBT VALIDATION, METHOD OF VERIFICATION, AND CEASE REPORTING Pursuant to XXXX U.S.C. XXXX, XXXX, and XXXX ( b ) Date : XXXX To : XXXX Global XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Formal Legal Demand XXXX XXXX  Account / Alleged Balance : {$5800.00} To Whom It May Concern, This letter serves as a formal and legally binding demand for immediate debt validation, method of verification, and cessation of all reporting and collection activity regarding the alleged XXXX XXXX  account you are attempting to collect and/or report to the consumer reporting agencies. 

The alleged balance of {$5800.00} is disputed in its entirety. It has been reported as both Open and Placed for Collection, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to the furnishing of false, misleading, and incomplete information. 



DEMAND FOR VALIDATION UNDER FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) You are required to provide the following within fifteen ( 15 ) days of receiving this letter : 1. The original signed agreement or contract bearing the consumers signature that created the alleged debt with XXXX XXXX  ; 2. A complete itemized accounting and billing statement that details how the alleged balance of {$5800.00} was calculated, including all charges, fees, and payments ; XXXX. The name and address of the original creditor ( XXXX XXXX ), and documentation proving your legal right of assignment or ownership to collect this debt ; 4. A full copy of any communication, record, or verification sent to any credit reporting agency in connection with this account ; and 5. Documentation showing the date and method of the last alleged payment or contact with the original creditor.

Failure to produce this documentation within the timeframe required by law will constitute a complete failure to validate under 15 U.S.C. 1692g ( b ), and you must immediately : Cease all collection activity ( calls, letters, and reporting ), and Delete all reporting related to this account from Equifax, Experian, and TransUnion.

VIOLATIONS ALREADY IDENTIFIED 1. False or Misleading Reporting FDCPA 807 ( 2 ) ( A ) : Reporting an account as both Open and Placed for Collection is materially false. Once a debt is placed for collection, it can no longer be reported as open. This creates a false impression of ongoing liability and damages the consumers credit unlawfully. 
2. Failure to Furnish Accurate Information FCRA 623 ( a ) ( 1 ) ( A ) : You have reported inaccurate and incomplete data to one or more credit bureaus without verifying its accuracy, violating your legal duties as a furnisher under federal law.

3. Failure to Conduct Reasonable Investigation FCRA 1681s-2 ( b ) : You are required to investigate disputed information fully and provide evidence of your findings to the consumer and the credit bureau . Electronic confirmations or automated verified responses are not considered reasonable investigation under federal law. 



FINAL NOTICE BEFORE FORMAL ACTION If you fail to provide full validation and documentation within fifteen ( 15 ) calendar days, you will leave the consumer no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Submit reports to the Federal Trade Commission ( FTC ) and State Attorney Generals Office for investigation ; and Initiate civil litigation seeking statutory damages, attorneys fees, and punitive damages under : FDCPA 813, 807, 809 ( b ), and FCRA 616617, 623 ( a ), 1681s-2 ( b ). 

You are hereby instructed to cease all reporting, communication, and collection activity regarding this alleged account until validation is complete and provided in writing. 

Any continued reporting or attempts to collect on this unverified debt will be documented as willful and malicious noncompliance with federal law. 



This is the consumers final written notice. 
You have fifteen ( 15 ) days from receipt to comply in full or face immediate escalation. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Untimely response