Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Debt Recovery Solutions, LLC
State: AR

Complaint narrative:
I am in the middle of trying to buy a home for me and my family and Im being told due to My Credit issues. I am not able. These are the following issues that are prohibiting me from going further in my home buying process.Subject : Formal Demand for Deletion of Unverified and Inaccurate Accounts, Late Payments, Collections, and Inquiries Re : FCRA Violations under 15 U.S.C. 1681 ( a ) ( 1 ), 1681i ( a ) ( 5 ) ( B ), 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681b ( f ), and Related Laws To Whom It May Concern, This letter serves as a formal legal notice and demand under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate, incomplete, and unverifiable entries reported on my XXXX credit file. Under 15 U.S.C. 1681 ( a ) ( 1 ), Congress recognizes the importance of fair and accurate credit reporting. You are required to ensure that all reported data is verified, complete, and obtained with proper consumer authorization. 



Upon careful review of my credit report dated XX/XX/year>, I have identified several items that are either inaccurate, unverifiable, outdated, or reported without permissible purpose. These include, but are not limited to : 1. Unverified Hard Inquiries All hard inquiries listed from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others were not authorized by me in writing, constituting violations under 15 U.S.C. 1681b ( f ).

You are hereby required to delete all hard inquiries immediately, as you can not furnish or maintain inquiries without verifiable written consent.

2. Late Payments and Negative Account Information The following accounts contain unverifiable or inaccurate derogatory data : Dept of Education/XXXX Reports late payments though currently deferred. 
XXXX XXXX XXXX XXXX repossession status, which is under dispute. 
XXXX XXXX XXXX XXXX charge-off without evidence of proper validation. 
XXXXXXXX XXXX XXXX late payments despite closure and payment completion.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any item that can not be verified must be promptly deleted from my file. Continued reporting of disputed information without proof of accuracy constitutes willful noncompliance and defamation of character. 





XXXX. Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX This debt is disputed and unverified. You have no evidence of ownership, assignment, or validation of the alleged debt.

Per 15 U.S.C. 1681s-2 ( b ), furnishers must verify accuracy when notified of a dispute. Failure to provide documented proof within the investigation period mandates immediate removal. 






4. Judgments and Public Records While your report lists no public records, this serves as a reminder that und

er 15 U.S.C. 1681c ( a ) ( 2 ), any civil judgment older than seven years must not be reported.

Legal Notice and Demand for Action Under the FCRA and related consumer laws : You are required to conduct a full reinvestigation under 15 U.S.C. 1681i ( a ) within 30 days of receiving this letter.

If any information can not be fully verified through documented evidence, it must be deleted from my file under 1681i ( a ) ( 5 ) ( A ).

Under 1681i ( a ) ( 6 ) ( B ) ( iii ), you must provide me with the method of verification for each disputed item, including the name, address, and phone number of the furnisher who verified it. 
If any disputed item remains, you must note it as disputed by consumer in all future reports in compliance with 1681c ( f ).

Summary of Requested Deletions All hard inquiries without written authorization. 

All late payments reported by Dept. of EducationXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All collection accounts including XXXX XXXX XXXX. 

Any unverifiable or outdated negative information.

Failure to Comply If these inaccurate and unverifiable items are not deleted within the statutory 30-day period, I will pursue all available remedies including : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), Initiating a civil claim for willful noncompliance under 15 U.S.C. 1681n and 1681o, Seeking damages for defamation, negligent reporting, and emotional distress.

Company response to consumer: Closed with explanation