Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
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 Subject : Formal Complaint - Collection Account Reporting Without Full Validation I FCRA 611, FDCPA 809 ( b ) To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by [ Debt Collector Name ], who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). ACCOUNT IN DISPUTE : Collection Agency : [ Debt Collector Name ] Original Creditor : [ Original Creditor ] Account Number : [ Last XXXX digits ] Reported Balance : $ [ Amount ] Date Opened : [ MM/YYYY ] Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX list all that apply ] LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA 809, the collector either : Failed to provide full chain of assignment or legal ownership, Sent only generic billing statements or screenshots not tied to my identity, Could not supply an original signed contract or application showing my agreement to this debt, Continued to report the item to the credit bureaus without marking the account as " disputed '', violating FCRA 623 ( a ) ( 3 ). Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt XXXX. XXXX. Proof of your legal authority to collect in my state of residence, including collection licenses and registration numbers required under my state 's consumer protection laws ; Copies of any and all notices sent to me regarding this debt, including the Initial notice of debt and any subsequent communication ; XXXX. Verification that this debt Is being reported accurately, in full compliance with FCRA 623 ( a ) ( 1 ) ( A ), which requires data furnishers to report only data that is complete and accurate ; XXXX. XXXX. Proof of compliance with FCRA 623 ( a ) ( 5 ) regarding the proper reporting of the date of first dellnquency to ensure that the account is not illegally reaged on my credit report ; A statement confirming whether any payments or legal actions have been taken on this alleged account and whether the statute of limitations has expired under applicable state law. Until and unless you provide all of the above documentation and fully validate the alleged debt, you are required by law to Immediately cease reporting this account to the credit bureaus and stop all collection efforts. Continuing to report this account without proper documentation constitutes willful noncompliance and may result in legal action under FCRA 616 and 617, as well as FDCPA violations for unfair collection practices and failure to cease collection after dispute. If this debt is being reported to the credit bureaus without full validation, it may also represent a violation of FCRA 607 ( b ), which mandates that furnishers maintain reasonable procedures to assure maximum possible accuracy of information. A failure to conduct a reasonable investigation in response to this dispute would constitute a violation of FCRA 611 ( a ) { 1 ) ( A ). Please note that : This is not a refusal to pay but a notice of dispute and a request for proof of obligation. Any attempt to collect this alleged debt without providing the requested validation constitutes a violation of FDCPA 809 ( b ). Failure to comply will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of XXXX Attorney General in my state. This leller serves as a legal record of my dispute and request for validation. I expect a full response within 30 calendar days, as required by law. You are prohibited from selling, transferring, or continuing to report this account until this matter is resolved. If you can not validate this account in full, it must be permanently deleted from all consumer reporting agencies. All future communication must be in writing. I do not consent to phone calls or electronic messages.

Company response to consumer: Closed with explanation