Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: AR

Complaint narrative:
I am filing this complaint against XXXX XXXX  regarding their failure to validate a debt and failure to respond to multiple written disputes, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I sent a certified dispute and validation demand letter to XXXX regarding account number ending in XXXX, which is being reported on my credit profile. I made it clear that I was not acknowledging ownership of the alleged debt and that I was challenging the accuracy and legality of the reporting. 

Specifically, I outlined the following violations : The account is reported as charged off while simultaneously showing a past due balance, which is misleading and contradictory under the FCRA. 

The account shows delinquencies reported during an active XXXX  XXXX bankruptcy, filed XX/XX/XXXX, and dismissed XX/XX/XXXX violating the automatic stay provision of 11 U.S.C. 362. 

XXXX has not responded at all to my formal dispute letter sent on XX/XX/XXXX, nor have they provided any documentation validating the debt that I requested mailed out on XX/XX/XXXX. 

Despite this, the account remains on my credit report, and XXXX has failed to delete the inaccurate and unverifiable tradeline. XXXX has consistently claimed to XXXX  that this debt is accurate, but has yet to provide ME with ANY validation and I am sure that XXXX  is relying heavily on the E-Oscar system ( an automated system which lacks any REAL validation ). 

This lack of response is a violation of : FCRA 623 ( a ) ( 1 ) ( A ) reporting inaccurate or incomplete information FCRA 623 ( a ) ( 2 ) failing to update or correct known errors FCRA 611 ( a ) failure to investigate consumer disputes FDCPA 809 ( b ) continuing collection activity without validation I am requesting that the CFPB intervene and compel XXXX XXXX to : Delete the account from all credit reporting agencies immediately Provide written FULL AND COMPLETE validation of the alleged debt if they intend to continue any form of collection. Validation should outline the requirements sent in my validation letter that is attached to this complaint. 

It is important to mention that XXXX has sold this debt to another collection agency that has since reached out to me to collect. I have also sent a validation letter to that debt collector. I am assuming XXXX has transferred or sold the account yet they are still actively furnishing the tradeline to credit bureaus, even though the debt is no longer with them. Associated Credit Services ( the collection agency ) has not responded as well and I am assuming that they are awaiting a validation from XXXX. Interesting that I have not heard back from this agency about a validation as well. 

This raises concerns of : Double reporting Incorrect ownership And an ongoing failure to update the account status, violating FCRA 623 ( a ) ( 2 ) and 623 ( a ) ( 1 ) ( A ) I am including the intial letters that were sent to XXXX and if further needed, I will gladly provide the certified mail tracking numbers. I will include the emails from Associated Credit Services as well Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation