Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding a debt that I believe to be incorrect or inaccurate. I am requesting the Consumer Financial Protection Bureaus assistance in investigating this matter. 
Details of the Disputed Debt : Creditor Name : Harris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I have reviewed my credit report and noticed a debt listed under Harris & Harris which I believe to be inaccurate, unjust, and never existed. I have attempted to resolve the issue directly with the creditor, but the matter remains unresolved. Specifically, I am disputing the following issues : 1. [ Inaccuracy/Issue # 1 ] : The debt never existed.

2. [ Inaccuracy/Issue # 2 ] : Comcast claimed that I agreed to a contract, after being with them for 4 years. We received a new modem because they stated the one, we had was outdated. After such things, the internet still didnt work, and we proceeded to close the account. Thats when we were told that we were in a contract. This never happened. The lady who set us up on the new modem, unknowingly, added us to a contract, without our approval. 
Despite my efforts to resolve this, the creditor has failed to provide sufficient documentation or evidence to validate the debt or correct the reported information. As a result, the debt is still being reported as valid and continues to impact my credit score.

Request for CFPB Action : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and seek corrections. As a consumer, I also have the right to request documentation or proof of any debt being reported. The creditor has not provided sufficient documentation to substantiate the debt in question. 
Therefore, I am requesting that the Consumer Financial Protection Bureau intervene and assist in resolving this matter by : 1. Investigating the creditors reporting and collection practices.

2. Ensuring the creditor provides sufficient documentation to validate the debt, as required by law.

3. Taking appropriate action to ensure that my credit report is updated if the debt is found to be inaccurate or improperly reported. 
Documents Enclosed : A copy of my credit report showing the disputed debt. 
Any correspondence with the creditor ( if applicable ). 
Documentation proving my claim ( if applicable ). 
I trust that the CFPB will take appropriate action to resolve this issue. Please keep me informed of any updates regarding this matter, and feel free to contact me at [ phone number ] or via email at [ email address ]. 
Thank you for your attention to this complaint. I look forward to your prompt assistance in resolving this issue.

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