Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: CA

Complaint narrative:
I am filing this complaint against Zions Debt Holdings, LLC for continued reporting and collection activity regarding an alleged XXXX XXXX  / XXXX  collection account for {$640.00} ( Account # XXXX ) that is being reported to XXXX. 

I have formally disputed and requested validation of this debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Despite this, Zions Debt Holdings has failed to provide proper validation establishing lawful ownership, authority, and the accuracy of the amount being reported.

Although Zions Debt Holdings provided documents they claim verify the debt, those documents are legally insufficient and contain material discrepancies, including but not limited to : Failure to establish chain of title : The original XXXX contract reflects Account # XXXX, while Zions Debt Holdings is attempting to collect under Account # XXXX, with no documentation explaining the reassignment, conversion, or linkage between the XXXX account numbers. 

No bill of sale or account-level assignment : Zions has not produced a bill of sale, assignment, or schedule of accounts identifying my specific account as part of any portfolio purchase. Generic proof of purchase letters do not meet FDCPA validation standards. 
Unauthorized balance inflation : The original charge-off balance was {$480.00}, yet Zions is reporting {$640.00}, adding {$100.00} in interest and {$60.00} in late fees. The original service contract does not authorize postcharge-off interest or third-party late fees, making these charges unlawful. 

Time-barred debt concerns : The billing history reflects a charge-off date of XX/XX/XXXX. Under California Code of Civil Procedure 337, the statute of limitations for written contracts is four years. Zions did not disclose potential time-barred status as required by Regulation F ( 12 C.F.R. 1006.26 ).

Despite these unresolved validation failures, Zions Debt Holdings continues to report the account to XXXX, constituting ongoing collection activity
and communication of disputed debt to a third party.

Violations FDCPA 1692g ( b ) Failure to Validate Zions Debt Holdings continued collection and credit reporting activity without first providing proper validation. They were legally required to cease all collection activity until verification was provided.

FDCPA 1692e ( 8 ) False and Misleading Credit Reporting Furnishing disput
ed and unverified debt information to XXXX misrepresents the character, amount, and legal status of the alleged debt.

FDCPA 1692c ( c ) Cease & Desist / Refusal to Pay I have formally refused to pay and demanded cessation of all collection activity, including credit reporting. Credit reporting itself constitutes collection activity under XXXX XXXX XXXX Financial Services, LLC, 303 F. Appx 297 ( 6th Cir. XXXX ) and XXXX XXXX Midland Credit Management , Inc., 748 F. Supp. 2d 1030 ( D. XXXX XXXX ). Zions continued reporting after my cease and desist violates 1692c ( c ).

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) As a furnisher, Zions Debt Holdings has a duty to report accurate information and to reasonably investigate disputes forwarded by XXXX. Continued reporting of an inflated, disputed, and unvalidated balance violates these provisions. 

Refusal to Pay & Cease and Desist Notice I hereby refuse to pay this alleged debt and demand that Zions Debt Holdings immediately cease all collection activity, including but not limited to : Credit reporting or furnishing updates to any consumer reporting agency Communicating debt information to third parties Attempting to collect or induce payment Any further attempts to communicate, report, or collect will be treated as willful and knowing violations of federal law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation