Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Subject : Dispute of Derogatory Credit Report Entry in Violation of the Fair Credit Reporting Act To Whom It May Concern : I am writing to formally dispute a derogatory item that your agency has reported on my credit file. This entry appears to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding the accuracy and completeness of information furnished to consumer reporting agencies. 

I recently obtained a copy of my credit report and noticed that your agency has reported the following accounts : Account Name/Number : No account number listed on credit report Date Opened/Reported : XX/XX/2025 Nature of Dispute : I do not owe this debt and any amount is incorrect as I have not received any validation from this company or the original creditor ( XXXX ). I never owed that amount to XXXX or to Harris & Harris XXXX There is no account number listed which inaccurate information according to the Fair Credit Report Act FCRA.

Under Section 623 of the FCRA, data furnishers such as your agency are required to ensure that any information reported to credit bureaus is accurate and must promptly correct or delete any information found to be inaccurate or unverifiable. I am requesting that you immediately investigate this matter and provide verification of the account you reported. If you can not provide sufficient documentation to support the accuracy of the reporting, you must remove this derogatory item from my credit file. Also, please note that you have listed an inaccurate and unverifiable account number which is also a violation of the FCRA. The date opened is also unverifiable. 

Harris & Harris and XXXX should be ashamed of itself to attempt to ruin someones credit without validating this debt as required by the FCRA. It is inaccurate and I will take the proper legal action, if necessary, against your company and XXXX for the unfair and inaccurate information. I have also submitted a complaint to the Consumer Financial Protection Bureau XXXX XXXX XXXX and XXXX XXXX 

XXXX also does not allow me to look at my past account with them and have prevented access for me to even look at my account history. They refused to send me detailed month by month detailed account information from my past account. I need them to send me all information as well as information regarding payments made to the prior to my account closure. XXXX is a vindictive company as I was with them for 20 years and once I ended my relationship wit them as a customer, they are reporting that I owe them almost {$1000.00}. On top of that they won't send me validation, they just sell my information to a collection agency. I have no idea how this company got my information because no account number or any number was reported either. Inaccurate and incomplete information is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief