Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: PR

Complaint narrative:
I am writing in response to a recent derogatory claim in my credit report regarding account # XXXX, which Zions Debt Holdings has acquired from XXXX XXXX concerning services at XXXX XXXX, XXXX, PR XXXX. I must formally dispute the validity and accuracy of this alleged debt. I initiated a cancellation of services with XXXX at the time in XXXX. The service was not cancelled as requested, creating additional charges Zion Debt has placed the burden of proof of a request for cancellation for something that happened to too many years ago. These charges keep appearing every few years after the are sold to third parties. I have disputed these amounts in several occasions, resolved in my favor but temporarily harming my credit report. It is therefore concerning that this account continues to reappear on my credit report through various debt purchasers without proper notification. As an individual who diligently manages her financial obligations, consistently maintaining an excellent XXXX score in the XXXX for many years, I only honor debts that are legitimately owed. My concern in this matter is not the principal sum, but rather the principle of addressing what I consider as unfair and potentially non-compliant debt collection practices. It raises questions about the due diligence performed by Zions Debt Holdings in acquiring accounts with such a disputed and complex history. I request immediate cessation of all collection activities related to this account and its prompt removal from my credit report. I also formally request comprehensive validation of this alleged debt, including all original contractual agreements, detailed billing statements from XXXX, and unequivocal proof that this debt is legitimately owed by me since I requested the cancellation of services. Cancellation was requested as the cameras were not operating and the phone calls were not addressed. XXXX did not cancel the service as requested and began billing for services not provided and already requested to be cancelled. I also want to understand if companies have the right to keep selling this accounts and keep including this in my credit report indefinitely as if it was a recent derogatory mark. Under the provisions of the Fair Credit Reporting Act ( FCRA ), a charged-off account, similar to the one referenced, is generally permitted to remain on a consumer 's credit report for a maximum duration of seven years. This period is specifically calculated from the date of the initial delinquency on the account. I believe this period has long been expired. It is crucial to note that the subsequent sale or assignment of this debt to another entity, such as Zions Debt Holdings, does not, under any circumstances, reset or extend this statutory seven-year reporting period. Consequently, any reporting of this alleged debt on my credit file beyond the legally mandated seven-year window from the date of initial delinquency would contravene consumer protection regulations and the FCRA. Otherwise. I request the CFPB to clarify. This clarification reinforces the urgency of my previous request for the immediate and complete removal of account # XXXX from all credit reporting agency files. I therefore expect Zions Debt Holdings to ensure full compliance with all applicable consumer protection laws and regulations pertaining to both debt collection practices and credit reporting standards.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation