Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CRE Credit Services
State: CO

Complaint narrative:
b'(Aggressive / UDAAPFocused Version)\nA fair and lawful resolution requires the company to take the following corrective actions without delay:\n\nImmediately delete the disputed tradeline associated with Account No. XXXX due to the furnishers failure to produce competent, documentary evidence capable of verification under FCRA 611(a) and Washingtons RCW 19.182.\n\nCease all furnishing of this information to any consumer reporting agency. Continued reporting of information knownor reasonably expectedto be inaccurate constitutes a knowing violation of FCRA 623(a)(1)(A) and creates ongoing liability.\n\nProvide a complete, itemized Method of Verification, including the identity of the individual who verified the information, the documents reviewed, and the date/time of verification. Generic or automated responses do not satisfy federal reinvestigation requirements.\n\nCorrect all consumer reports where this tradeline has been furnished and provide written confirmation of the corrections.\n\nAcknowledge and remediate the UDAAP exposure created by furnishing unverified, inaccurate information and failing to conduct a reasonable reinvestigation. These acts constitute unfair and deceptive practices under 12 U.S.C.  55315536.\n\nAddress violations of the Washington Consumer Protection Act (RCW 19.86) arising from deceptive reporting practices, failure to investigate, and the resulting financial harm.\n\nImplement internal controls to prevent recurrence, including documented procedures for verification, reinvestigation, and accuracy assurance.\n\nThis resolution is necessary to restore accuracy, mitigate ongoing harm, and bring the company into compliance with federal law, Washington State law, and CFPBenforced UDAAP standards.\nalso\n\n1. COVER LETTER  FORMAL DISPUTE & VALIDATION DEMAND\n\n\n[XXXX XXXX XXXX \n[XXXX XXXX XXXX \n[XXXX WA, XXXX  \n[XXXX \n[XXXX  \n\n[Date] XX/XX/2026\n\n[Debt Collector / Agency Name] XX/XX/XXXX \n[ XXXX XX/XX/XXXX, CA XXXX\n\n\nRE: FORMAL DISPUTE OF ALLEGED DEBT  \n    VALIDATION DEMAND UNDER 15 U.S.C. 1692g & 12 CFR 1006.34  \n    CEASE COLLECTION UNTIL FULL COMPLIANCE\n\nTo Whom It May Concern:\n\nThis letter serves as a **formal dispute** of the alleged debt referenced in your recent communication. Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, and Regulation F, 12 CFR 1006.34, you are hereby notified that:\n\n1. **I dispute the validity, amount, ownership, and enforceability of the alleged debt.**  \n2. **You must cease all collection activity until you provide full validation as required by law.**  \n3. **You are prohibited from reporting, furnishing, or continuing to furnish information to any consumer reporting agency until validation is completed.**\n\nThis dispute is made timely and unequivocally.\n\nFailure to comply will constitute violations of federal law and Washingtons Consumer Protection Act (RCW 19.86).\n\n2. REQUIRED VALIDATION MATERIALS (Reg F 1006.34(c))You are required to provide the following:\n\n1. **Itemization of the alleged debt**  \n   - Itemization date (as defined by Reg F)  \n   - Amount on itemization date  \n   - Itemized interest, fees, payments, credits, and adjustments  \n\n2. **Name of the creditor to whom the debt is currently owed**  \n   - Full legal name  \n   - Chain of title from original creditor to present collector  \n\n3. **Copy of the original agreement**  \n   - Contract, application, or instrument bearing my signature  \n   - Terms and conditions allegedly creating the obligation  \n\n4. **Proof of your legal authority to collect**  \n   - Assignment, bill of sale, or servicing agreement  \n   - Documentation showing you have standing to collect  \n\n5. **Verification of accuracy**  \n   - A sworn statement from the creditor attesting to the accuracy and completeness of the records  \n\n6. **Required disclosures**  \n   - MiniMiranda  \n   - Validation notice compliant with 12 CFR 1006.34(c)  \n   - Itemization table  \n   - Consumerresponse information  \n\n3. CEASE COLLECTION UNTIL VALIDATION IS COMPLETEUnder 15 U.S.C. 1692g(b), you must cease:\n\n- Phone calls  \n- Letters  \n- Emails  \n- Text messages  \n- Thirdparty communications  \n- Credit reporting  \n- Any collection activity whatsoever  \n\nuntil you have provided full validation.\n\n4. PROHIBITION ON CREDIT REPORTING DURING DISPUTEYou are prohibited from:\n\n- Reporting the alleged debt  \n- Continuing to furnish information  \n- Updating tradelines  \n- Verifying disputed information  \n\nuntil validation is completed.\n\nAny reporting during a pending dispute constitutes:\n\n- FDCPA 1692e(8) violation  \n- FCRA 623(a)(3) violation  \n- Washington CPA violation (RCW 19.86)\n\n5. NOTICE OF RECORDING & COMMUNICATION RESTRICTIONSAll communications must be in writing.\n\nYou are prohibited from calling my phone number(s).  \nYou are prohibited from contacting my employer.  \nYou are prohibited from contacting third parties.\n\nAny violation will be documented and used as evidence in regulatory complaints.\n\n6. NOTICE OF POTENTIAL VIOLATIONS (PREESCALATIONBe advised that the following actions constitute violations:\n\n- Attempting to collect without validation  \n- Misrepresenting the character, amount, or legal status of the debt  \n- Threatening actions you cannot legally take  \n- Failing to provide required disclosures  \n- Continuing collection during dispute  \n- Reporting disputed information without marking it disputed  \n- Using false, deceptive, or misleading representations  \n\n7. DEMAND FOR DOCUMENT PRESERVATION (LITIGATION HOLD)You are instructed to preserve:\n\n- Call logs  \n- Audio recordings  \n- Account notes  \n- Internal communications  \n- Collection system data  \n- All documents related to this alleged debt  \n\nDestruction or alteration of evidence will be treated as spoliation.\n\n8. RIGHTS RESERVED (UCC 1308)\n\nAll rights are reserved without prejudice under UCC 1308.\n\nNothing in this correspondence shall be construed as:\n\n- An admission  \n- A waiver  \n- A promise to pay  \n- A consent to jurisdiction  \n- A validation of the alleged debt  \n\n9. SIGNATURE BLOCK\n\n\nSincerely,\nXXXX XXXX XXXX XXXX, also Fair Resolution (Aggressive / UDAAPFocused Version)\nA fair and lawful resolution requires the company to take the following corrective actions without delay:\n\nImmediately delete the disputed tradeline associated with Account No. XXXX due to the furnishers failure to produce competent, documentary evidence capable of verification under FCRA 611(a) and Washingtons RCW 19.182.\n\nCease all furnishing of this information to any consumer reporting agency. Continued reporting of information knownor reasonably expectedto be inaccurate constitutes a knowing violation of FCRA 623(a)(1)(A) and creates ongoing liability.\n\nProvide a complete, itemized Method of Verification, including the identity of the individual who verified the information, the documents reviewed, and the date/time of verification. Generic or automated responses do not satisfy federal reinvestigation requirements.\n\nCorrect all consumer reports where this tradeline has been furnished and provide written confirmation of the corrections.\n\nAcknowledge and remediate the UDAAP exposure created by furnishing unverified, inaccurate information and failing to conduct a reasonable reinvestigation. These acts constitute unfair and deceptive practices under 12 U.S.C.  55315536.\n\nAddress violations of the Washington Consumer Protection Act (RCW 19.86) arising from deceptive reporting practices, failure to investigate, and the resulting financial harm.\n\nImplement internal controls to prevent recurrence, including documented procedures for verification, reinvestigation, and accuracy assurance.\n\nThis resolution is necessary to restore accuracy, mitigate ongoing harm, and bring the company into compliance with federal law, Washington State law, and CFPBenforced UDAAP standards. also COVER LETTER  FORMAL DISPUTE & VALIDATION DEMAND\n\n\n[XXXX XXXX XXXX XXXX   \n[XXXX XXXX XXXX  \n[XXXX WA XXXX\n[XXXX  \n[XXXX XXXX\n\n[Date]XX/XX/2026\n\n[Debt Collector / Agency Name] XXXX XXXX XXXX \n[XXXX XXXX XXXX  \n[XXXX XXXX XXXX\n\nRE: FORMAL DISPUTE OF ALLEGED DEBT  \n    VALIDATION DEMAND UNDER 15 U.S.C. 1692g & 12 CFR 1006.34  \n    CEASE COLLECTION UNTIL FULL COMPLIANCE\n\nTo Whom It May Concern:\n\nThis letter serves as a **formal dispute** of the alleged debt referenced in your recent communication. Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, and Regulation F, 12 CFR 1006.34, you are hereby notified that:\n\n1. **I dispute the validity, amount, ownership, and enforceability of the alleged debt.**  \n2. **You must cease all collection activity until you provide full validation as required by law.**  \n3. **You are prohibited from reporting, furnishing, or continuing to furnish information to any consumer reporting agency until validation is completed.**\n\nThis dispute is made timely and unequivocally.\n\nFailure to comply will constitute violations of federal law and Washingtons Consumer Protection Act (RCW 19.86).\n\n2. REQUIRED VALIDATION MATERIALS (Reg F 1006.34(c))You are required to provide the following:\n\n1. **Itemization of the alleged debt**  \n   - Itemization date (as defined by Reg F)  \n   - Amount on itemization date  \n   - Itemized interest, fees, payments, credits, and adjustments  \n\n2. **Name of the creditor to whom the debt is currently owed**  \n   - Full legal name  \n   - Chain of title from original creditor to present collector  \n\n3. **Copy of the original agreement**  \n   - Contract, application, or instrument bearing my signature  \n   - Terms and conditions allegedly creating the obligation  \n\n4. **Proof of your legal authority to collect**  \n   - Assignment, bill of sale, or servicing agreement  \n   - Documentation showing you have standing to collect  \n\n5. **Verification of accuracy**  \n   - A sworn statement from the creditor attesting to the accuracy and completeness of the records  \n\n6. **Required disclosures**  \n   - MiniMiranda  \n   - Validation notice compliant with 12 CFR 1006.34(c)  \n   - Itemization table  \n   - Consumerresponse information  \n\n3. CEASE COLLECTION UNTIL VALIDATION IS COMPLETE Under 15 U.S.C. 1692g(b), you must cease:\n\n- Phone calls  \n- Letters  \n- Emails  \n- Text messages  \n- Thirdparty communications  \n- Credit reporting  \n- Any collection activity whatsoever  \n\nuntil you have provided full validation.\n\n4. PROHIBITION ON CREDIT REPORTING DURING DISPUTE You are prohibited from:\n\n- Reporting the alleged debt  \n- Continuing to furnish information  \n- Updating tradelines  \n- Verifying disputed information  \n\nuntil validation is completed.\n\nAny reporting during a pending dispute constitutes:\n\n- FDCPA 1692e(8) violation  \n- FCRA 623(a)(3) violation  \n- Washington CPA violation (RCW 19.86)\n\n5. NOTICE OF RECORDING & COMMUNICATION RESTRICTIONS All communications must be in writing.\n\nYou are prohibited from calling my phone number(s).  \nYou are prohibited from contacting my employer.  \nYou are prohibited from contacting third parties.\n\nAny violation will be documented and used as evidence in regulatory complaints.\n\n6. NOTICE OF POTENTIAL VIOLATIONS (PREESCALATION BE advised that the following actions constitute violations:\n\n- Attempting to collect without validation  \n- Misrepresenting the character, amount, or legal status of the debt  \n- Threatening actions you cannot legally take  \n- Failing to provide required disclosures  \n- Continuing collection during dispute  \n- Reporting disputed information without marking it disputed  \n- Using false, deceptive, or misleading representations  \n\n7. DEMAND FOR DOCUMENT PRESERVATION (LITIGATION HOLD)You are instructed to preserve:\n\n- Call logs  \n- Audio recordings  \n- Account notes  \n- Internal communications  \n- Collection system data  \n- All documents related to this alleged debt  \n\nDestruction or alteration of evidence will be treated as spoliation.\n\n8. RIGHTS RESERVED (UCC 1308)\n\nAll rights are reserved without prejudice under UCC 1308.\n\nNothing in this correspondence shall be construed as:\n\n- An admission  \n- A waiver  \n- A promise to pay  \n- A consent to jurisdiction  \n- A validation of the alleged debt  \n\n9. SIGNATURE BLOCK\n\n\nSincerely,\nXXXX XXXX XXXX

Company response to consumer: Untimely response