Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate, Incomplete, and/or Unverifiable Derogatory Information Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
File/Report Reference : Credit Report Dated XX/XX/XXXX Personal Identifiers : Date of Birth XX/XX/XXXX ; Current Address XXXXXXXX XXXX XXXXXXXX Dear XXXX  : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I demand that you conduct a reasonable reinvestigation of the disputed information in my consumer file within 30 days of receipt of this notice ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). If the disputed information is found to be inaccurate, incomplete, or can not be verified, you must promptly delete it permanently from my file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Failure to do so may constitute willful or negligent noncompliance, exposing you to liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, costs, and attorney 's fees ( 15 U.S.C. 1681n, 1681o ). 
This dispute is not frivolous and is supported by the enclosed copy of my XXXX  credit report ( dated XX/XX/XXXX ), with the disputed item highlighted. 


1. Collection Account 1ST CRD SRVC ( First Credit Services ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ( as of XX/XX/XXXX ) Status : Collection / Charge-Off, Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Remarks : Placed for collection Creditor/Furnisher : FIRST CREDIT SERVICES, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Phone : XXXX ) This derogatory collection entry is inaccurate, incomplete, and/or unverifiable. [ Customize here if you have specific facts, XXXX. : " I have no knowledge of incurring this alleged debt ; it does not belong to me ; the amount is incorrect ; there is no valid chain of assignment or original creditor verification ; or it was satisfied/settled but not updated. '' If no specific facts, leave as : " I dispute the validity, accuracy, and completeness of this entry in its entirety. '' ] Pursuant to 15 U.S.C. 1681i ( a ), you must forward this dispute to the furnisher for investigation ( 15 U.S.C. 1681s-2 ( b ) ) and complete your reinvestigation within 30 days. If the furnisher fails to verify the information with all relevant documentation ( including original source records ), or if it remains inaccurate/incomplete/unverifiable, you must permanently delete this item from my file and refrain from reinserting it without proper certification ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). You must also provide me with written results of the reinvestigation, including a description of the procedure used and, if deleted, confirmation thereof ( 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ) ).

Additionally, this entry violates your duty to follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). 
To First Credit Services ( copy of this letter enclosed for your records ) : As the furnisher, you must investigate this dispute within the statutory period and correct/delete any inaccurate/unverifiable information reported to CRAs ( 15 U.S.C. 1681s-2 ( b ) ). Pursuant to 15 U.S.C. 1692c ( c ) ( FDCPA ), I demand you cease all further communication with me regarding this alleged debt, except as required by law to confirm cessation of collection efforts or advise of specific remedies.

I enclose : Copy of my XXXX  credit report ( highlighted disputed item ) Copy of government-issued ID Proof of current address Send all correspondence and reinvestigation results to me at the address above. I reserve all rights and remedies under the FCRA, including legal action for noncompliance. 
Sincerely, XXXX XXXX XXXX XXXX. 

Enclosures : As listed above cc : First Credit Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation