Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
* * Consumer Financial Protection Bureau XXXX * * * * Company : * * Harris & Harris , Ltd . * * Balance Reported : * * {$390.00} * * Date Opened : * * XX/XX/year> * * Account Status : * * Open Collection Account * * Original Creditor : * * XXXX XXXX * * Complaint * * I am filing this complaint against Harris & Harris XXXX XXXX regarding a collection account being reported on my consumer credit reports. Harris & Harris XXXX XXXX is reporting a collection account with a balance of {$390.00} allegedly associated with XXXX XXXX. I dispute the validity, accuracy, completeness, and ownership of this alleged debt and request a thorough investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation when a consumer disputes information being reported. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, debt collectors are prohibited from using false, deceptive, misleading, unfair, or unconscionable means in connection with the collection of a debt. Debt collectors must maintain sufficient documentation to establish the validity of the debt, the amount owed, and their authority to collect it. I dispute this account and request that Harris & Harris provide : 1. A copy of the original agreement or contract creating the alleged obligation. 2. Documentation proving I am legally responsible for the debt. XXXX. Documentation establishing Harris & Harris ' authority to collect on behalf of or through assignment from XXXX XXXX. XXXX. A complete accounting of the alleged balance, including any fees, interest, adjustments, credits, or payments. XXXX. Documentation establishing the date of first delinquency. XXXX. Documentation demonstrating that the amount reported is accurate. XXXX. XXXX that all information furnished to consumer reporting agencies complies with FCRA requirements and XXXX XXXX reporting standards. XXXX. Copies of any records used to verify the account during any prior dispute investigations. The CFPB has emphasized that debt XXXX and furnishers must possess adequate records to support the accuracy and integrity of information reported to consumer reporting agencies. If Harris & Harris can not provide competent evidence validating the debt, continued reporting XXXX constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Harris & Harris conduct a reasonable investigation and provide all documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation