Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kingston Data & Credit International Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kingston Data and CreditXXXX XXXX XXXX XXXX XXXX  Re : Account XXXX XXXX XXXX XXXX {$1600.00} Reported XX/XX/XXXX, XXXX and Demand for Immediate Deletion To Whom It May Concern : I am writing to formally dispute the validity of the alleged {$1600.00} debt you are reporting on my credit reports under the above-referenced account and to demand its immediate deletion from all three credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX 
This alleged debt is not owed for the following independently sufficient reasons : 1. Valid Cancellation Within the Initial Rescission PeriodI signed the membership agreement in XX/XX/year> and canceled the contract within 5 days of signing ( well within the 35 day right-of-rescission period provided in virtually every XXXX XXXX membership agreement in Texas ). I paid no membership dues beyond the initial fees and I notified the club in writing and in person of my cancellation within the rescission window. XXXX XXXX accepted the cancellation at that time and never informed me the cancellation was ineffective.

XXXX. Permanent Medical Cancellation with Physician DocumentationIn early 2025 I suffered a XXXX and subsequently sustained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that permanently prevent me from ever safely using a gym again. Enclosed is a letter dated XX/XX/year> from my treating XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  explicitly restricting me from all gym activities and physical exercise.Under the XXXX XXXX membership agreement and Texas consumer law, this constitutes a permanent medical condition that qualifies for immediate contract termination with no further obligation. 
Despite these two independently valid cancellations, XXXX XXXX wrongfully continued billing and ultimately sold or assigned the alleged debt to your agency. Because the contract was lawfully terminated, no balance is owed. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I hereby demand that you : * Immediately cease all collection activity on this account. 
* Delete this tradeline from my credit reports with XXXX XXXX XXXX XXXX within 30 days. 
* Provide me written confirmation that the account has been closed as deleted or paid in full for less than full balance account disputed by consumer ( whichever is accurate ). 
If you fail to delete this inaccurate item or continue collection efforts, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and my private attorney for violations of the FDCPA and FCRA. 
Enclosures : * Physician letter from XXXX XXXX XXXX, MD dated XX/XX/year> * Copy of cancellation request/email sent to club ( if you have it ) * Proof of certified mailing to XXXX XXXX ( if applicable ) Sincerely,

Company response to consumer: Closed with explanation