Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Debt Validation & Cease-and-Desist Demand XXXX XXXX XX/XX/XXXX To : Credit Corp Solutions Inc . 
Attn : XXXX Department XXXX XXXX XXXX XXXX XXXX Notice of Violation of FDCPA, FCRA, XXXX XXXX Standards I am formally disputing the alleged debt your company claims to collect under reference No. XXXX, purportedly associated with XXXX Bank XXXX XXXX. This request is made pursuant to 15 U.S.C. 1692g ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681e ( b ), and in accordance with Metro 2 data furnishers ' obligations to ensure maximum possible accuracy. 
XXXX. Full Debt Validation Demand You must immediately cease all collection activity and provide the following within 30 days of receipt of this notice : a. A complete chain of assignment from the original creditor ( XXXX Bank ) to XXXX XXXX XXXX, including each transfer of ownership, dated and documented. 
b. A true and complete Power of Attorney ( POA ) or written authority showing your current legal authority to collect on behalf of the legal owner. 
XXXX XXXX complete double-sided accounting ledger and full transactional history from account inception to present, itemizing all charges, fees, payments, credits, and interest that support the alleged balance of {$740.00}. 
d. A copy of the original signed contract or wet-signature agreement establishing liability to the original creditor. 
e. Documentary proof that the account has not been securitized, sold, or otherwise transferred in a manner that extinguishes the consumer 's liability or changes who has the legal right to collect. 
f. A complete record of all communications ( including emails and letters ) sent to any third parties or relatives concerning this alleged debt. 
Your records indicate communications to a relative on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX If you report to any credit bureau, under 15 U.S.C. 1681s-2 ( b ), you must ensure no data is furnished or re-reported until the account has been fully validated and verified. Any continued reporting constitutes willful and negligent noncompliance under 15 U.S.C. 1681e ( b ), 1681n, and 1681o.

3. Unlawful Inquiry Activity Under the FCRA Your company has accessed the consumers XXXX report through multiple soft inquiries without verified permissible purpose as required by 15 U.S.C. 1681b ( f ). 
Recorded inquiries include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each inquiry, absent a valid collection authority or consumer consent, violates 15 U.S.C. 1681q and may also constitute impermissible access under the Fair Credit Reporting Act. As cited in FTC XXXX XXXX XXXX to XXXX ( XXXX ), no entity XXXX access a credit report without a legitimate, certified permissible purpose. 
SO PLEASE CERTIFY TO ME WHY MY CREDIT REPORT WAS PULLED BY XXXX XXXX SOLUTIONS WITHOUT PERMISSIBLE PURPOSE ; SUCH UNAUTHORIZED ACCESS ESTABLISHES A PRIVATE RIGHT OF ACTION UNDER XXXX XXXX XXXX and XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ) : Full accounting and proof of ownership required. - Fields v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Must itemize and prove each charge. - XXXX v. XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : XXXX requires documented proof. - XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Attorneys and agents collecting debts are subject to FDCPA. 
XXXX. Cease and Desist & Preservation of Evidence Under 15 U.S.C. 1692c ( c ), you must cease all communication with the consumer and third parties. Preserve all relevant evidence including call logs, emails, and assignment documents. 6. Remedies and Reservation of Rights Failure to comply will constitute willful and negligent violations under the FDCPA, FCRA, and Metro 2 standards.

Each instance is alleged to be a separate violation of 15 U.S.C. 1692c ( b ).

6.Metro 2 Data Furnishing Compliance If you furnish data to any consumer reporting agency, you are notified under 15 U.S.C. 1681s-2 ( b ) that no information may be reported or re-reported until the account has been fully validated, verified for accuracy, and documented with original-source proof in compliance with Metro 2 standards and the furnisher 's duty of maximum possible accuracy under 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1692g ( b ) ( FDCPA ) validation and suspension of collection pending verification. - 15 U.S.C. 1692c ( b ) restrictions on communication with third parties. - 15 U.S.C. 1681e ( b ) & 1681i ( a ) ( FCRA ) furnishers ' duties to ensure accuracy and reinvestigate disputed information. - 15 U.S.C. 1681n & 1681o civil liability for willful and negligent noncompliance with the FCRA. 
Representative case law reflecting these obligations includes : - Fields v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; - XXXX v. XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; - XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
XXXX and Desist & Preservation of Evidence Pursuant to XXXX5 U.S.C. 1692c ( c ), you must cease communications with the consumer and any third parties regarding this alleged debt. Any future communication must be in writing and directed to the consumer only. This letter also serves as formal notice to preserve all relevant evidence ( electronic and physical ), including call logs, emails, internal notes, chain-of-title documents, assignment instruments, and transactional ledgers.

9.Remedies and Reservation of Rights Failure to comply with the demands in this letter will be treated as willful and negligent noncompliance with the FDCPA and FCRA and Metro 2 data furnishing standards. The consumer reserves all rights, including but not limited to - Filing claims for statutory damages, actual damages, and attorney 's fees under 15 U.S.C. 1692k, 1681n, & 1681o ; - Filing administrative complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and applicable state attorneys general ; - Initiating private civil litigation to enjoin unlawful collection activity and seek all available relief.

Conclusion Provide the requested documentation within 30 days. Until you provide the requested verification, any attempt to pursue collection, report this account to any credit reporting agency, or communicate with third parties will be considered a violation and may result in legal action. 
Respectfully submitted, XXXX XXXX XXXX ALL RIGHTS.

Company response to consumer: Closed with explanation