Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
XXXX XXXX XXXX Address : XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX, NY XXXX I received a collection notice and a civil court summons from Malen & Associates , P.C., claiming that I owe a debt allegedly related to XX/XX/XXXXXXXX. The information they are reporting appears inaccurate and unverified. I disputed the debt within the required XXXXday period under the FDCPA, but the collector has failed to provide proper validation, such as a signed contract, itemized statements, or proof that the debt legally belongs to me. 

The collector is attempting to collect and report a debt that has not been validated, which violates FDCPA 15 U.S.C. XXXX ( b ). The amount they claim is inconsistent, incomplete, and unsupported. They are also reporting information that does not meet FCRAs accuracy standards under FCRA XXXX, XXXX, and XXXX ( a ). Because the debt has not been verified, it should not be reported to the credit bureaus. 

I am requesting CFPB assistance to : XXXX. Require Malen & Associates to provide full validation of the alleged debt. 
XXXX. Require the furnisher to stop reporting unverifiable and inaccurate information to credit bureaus. 
XXXX. Remove the collection account from my credit reports if they can not provide proper documentation. 
XXXX. Ensure that all collection and legal activity remains paused until validation is completed. 

I am submitting copies of the notice, the court summons, and my dispute letter for review. 


Demand for Permanent Removal of an Inaccurate and Unverified Collection Account FCRA XXXX / XXXX / XXXX ( a ) To Whom It May Concern, I am formally disputing the accuracy and validity of a collection account appearing on my credit report. This account is inaccurate, unverified, and reported in violation of the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 

The collection entry in dispute : Collection Agency : Malen & Associates / XXXX XXXX Original Creditor :XX/XX/XXXXXXXX, XXXX. 
Alleged Balance : {$6100.00} File Number : XXXX Account Ending : XXXX Court Filing Date ( Disputed ) : XX/XX/year>2025 This information is being reported inaccurately, incompletely, and without the necessary verification required by federal law. Under FCRA XXXX and XXXX, I am requesting a full reinvestigation of this account. 

My dispute grounds include the following : XXXX. The creditor has failed to provide proper validation, including a signed contract bearing my signature, as required under FDCPA 15 USC XXXX ( b ). 
XXXX. The information reported is incomplete and inaccurate ( billing amount inconsistencies, account irregularities, and lack of verified documents ). 
XXXX. The furnisher has not certified accuracy as required by FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX. The collection agency is reporting an amount that can not be verified, documented, or validated, which violates both FCRA and FDCPA. 
XXXX. The account may not meet FCRAs standards of maximum possible accuracy, making it legally unreportable. 

For these reasons, I am demanding : Permanent deletion of the collection account from my credit file because the furnisher has failed to verify, validate, or provide documentation proving the accuracy and ownership of this debt. 

Under FCRA XXXX, you are required to complete a reinvestigation within XX/XX/XXXX days. If the furnisher can not produce real evidence ( contract, application, itemized charges, chain of assignment ), you must remove the account. 

Please provide me with : Written confirmation of deletion, or Copies of all documentation used in your reinvestigation If you fail to remove this unverifiable account, I will submit a federal complaint with the CFPB, FTC, and the XX/XX/XXXX Attorney General for violations of the FCRA and FDCPA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation