Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zions Debt Holdings
State: OK

Complaint narrative:
Zions Debt Holdings is reporting a derogatory collection account of {$1400.00} on my Equifax credit report for a debt that was XXXX in my XXXX XXXX XXXX. The tradeline lists the original creditor as XXXX ; the underlying debt is a XXXX security services contract with XXXX, which XXXX later acquired. I filed Chapter XXXX bankruptcy in the XXXX Bankruptcy XXXX for the XXXX XXXX of Oklahoma on XX/XX/XXXX ( Case No. XXXX ), and my discharge was entered XX/XX/XXXX. The debt predates my bankruptcy filing by approximately XXXX years and was XXXX. Zions Debt Holdings reports this tradeline as " opened '' XX/XX/XXXX nearly XXXX months AFTER my discharge was entered. They acquired a XXXX debt and furnished it to Equifax as an open collection. The XXXX open date also misrepresents the age of a XXXX debt. I disputed this account through Equifax multiple times, including disputes completed XX/XX/XXXX and XX/XX/XXXX. The account was removed from my Equifax report my XX/XX/XXXX Equifax report shows XXXX collection accounts but Zions Debt Holdings re-reported it in approximately XX/XX/XXXX, and it appears on my Equifax report as of XX/XX/XXXX, with the balance last updated XX/XX/XXXX. I never received the written reinsertion notice required by 15 U.S.C. 1681i ( a ) ( 5 ). I also note my XX/XX/XXXX dispute was marked " completed '' the same day it was submitted, indicating no meaningful investigation occurred. I notified Zions Debt Holdings directly by phone on XX/XX/XXXX, providing my bankruptcy case number. Their representative acknowledged the information and stated the account would be removed. No action was taken. I called again on XX/XX/XXXX and was told no corrective action had been initiated. Both calls were recorded. On XX/XX/XXXX, a formal written demand was delivered by certified mail ( delivery confirmed ), including my case number and discharge documentation. They have continued reporting the account every month since. Their stated justification is that they were not properly notified of my bankruptcy. This is legally incorrect. My Chapter XXXX case had no asset distribution to creditors ; debts in a no-asset Chapter XXXX are XXXX regardless of creditor notice because no claims bar date was ever set. Zions Debt Holdings is knowingly reporting a XXXX debt as owed, in violation of the FCRA 's accuracy requirements ( XXXX XXXX. XXXX ), the FDCPA 's XXXX on misrepresenting the legal status of a debt ( XXXX XXXX. XXXX ( XXXX ) ( A ) ), and the bankruptcy discharge injunction ( XXXX XXXX. XXXX ). I request : ( XXXX ) permanent deletion of this tradeline from all consumer reporting agencies ; ( XXXX ) written confirmation that the account is closed and will not be re-reported, sold, or transferred ; and ( XXXX ) cessation of all collection activity on this XXXX debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation