Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
First Point XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. We experienced an oversight in updating the name from XXXX XXXX to XXXX. 
FCRA 1681e ( b ) : Furnishers must follow reasonable procedures to assure maximum possible accuracy in the information they report. Reporting a defunct creditor name for over a year is not reasonable it is willful noncompliance.

FCRA 1681i ( a ) ( 5 ) ( A ) : Once an inaccuracy is discovered, the furnisher must promptly correct or delete it. Admitting an error and failing to correct it before multiple verifications violates this section.

Oversight is not a legal defense under FCRA 1681n ( willful violations ). Courts have held that continued reporting after knowledge of inaccuracy is per se willful.

2. This was not deceptive or misleading.

FDCPA 807 ( 2 ) ( A ) : Prohibits false representation of the character, amount, or legal status of any debt. Reporting a debt as owed to an entity that ceased operations on XX/XX/year> is inherently misleading. 

CFPB UDAAP Standards : Misrepresenting the creditors identity constitutes a deceptive act consumer perception is the benchmark, not the collectors intent.

3. The debt remains valid and outstanding.

FDCPA 809 ( b ) : If a consumer disputes a debt, the collector must obtain verification and provide it before further collection. They have not provided any signed contract, account statements, or assignment showing XXXX legally owns or has authority to collect this debt post-North State dissolution.

FCRA 1681s-2 ( b ) ( 1 ) ( D ) : After notice of dispute, furnishers must delete any disputed information that can not be verified. Without proof of valid assignment, verification is a violation.

4. We have ceased collection per your request.

FDCPA 807 ( 8 ) : Continuing to report a tradeline as active/collectible when no collection activity is occurring is materially misleading. If collection has ceased, status must be updated to reflect that or removed entirely.

FCRA 1681i ( a ) ( 5 ) ( A ) ( ii ) : Requires deletion when disputed data can not be verified. Ceasing collection while keeping it on the credit report is inconsistent with lawful reporting.

5. Retaliatory Reporting Indicators This tradeline was added/re-verified after multiple disputes, despite admissions of inaccuracy.

FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Prohibits furnishing information after notice from a consumer that it is inaccurate.

CFPB Regulation V ( 12 CFR 1022.42 ( a ) ) requires furnishers to have dispute handling procedures that prevent retaliatory re-reporting.

Retaliatory furnishing is also an unfair act under UDAAP subject to CFPB enforcement and civil penalties. 

6. Successor Liability XXXX FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or have reasonable cause to believe is inaccurate. 

XXXX acquired XXXX XXXX XXXX XXXX XXXXXXXX  making them the successor entity responsible for ensuring data accuracy. 

Continuing to allow First Point to furnish under a defunct name after XX/XX/year> makes XXXX equally liable for all FCRA and FDCPA violations .

Permanent Deletion Request Given the admitted inaccuracy, the defunct creditor name, the cessation of collection activity, and the retaliatory verification after multiple disputes, continued reporting is unlawful under : FCRA 1681e ( b ), 1681i ( a ) ( 5 ), 1681s-2 ( a ), 1681s-2 ( b ) FDCPA 807 ( 2 ) ( A ), 807 ( 8 ), 809 ( b ) UDAAP / CFPB Regulations Resolution : Permanent deletion from all consumer reporting agencies with written confirmation from First Point and XXXX that the tradeline will never be reinserted .

Company response to consumer: Closed with explanation