Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: West Central Texas Collection Bureau
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX | XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX po box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX **Subject : Formal Demand for Permanent Deletion of Inaccurate WEST CENTRAL TEXAS COLLECTION Account ( XXXX ) Under XXXX XXXX Compliance and FCRA** To Whom It May Concern : I, XXXX XXXX ( SSN : XXXX, DOB : XX/XX/XXXX ) XXXX formally dispute the inaccurate reporting of the WEST CENTRAL TEXAS COLLECTION account ( XXXX ) on my credit reports. This account violates **XXXX  XXXX compliance standards** and the **Fair Credit Reporting Act ( FCRA 611 ) **. I demand its **permanent deletion** due to the following violations : -- - # # # **Metro 2 Compliance Violations** 1. ** 3.3.5 ( Inaccurate Original Creditor ) : ** - **XXXX** : Lists " XXXX XXXX XXXX '' as the original creditor. 
- **XXXX** : Lists XXXX WEST CENTRAL TEXAS COLLECTION. '' - *Violation* : XXXX XXXX requires uniform and accurate creditor information. 

2. ** 3.2.2 ( Invalid Account Type ) : ** - Reports the account as an " Open account '' ( XXXX ) instead of a **debt collection account**. 
- *Violation* : Misclassification breaches XXXX XXXX account type guidelines. 

3. ** 3.2.1 ( Missing Status Information ) : ** - **XXXX** : Fails to report the accounts status ( e.g., " In Collections '' ). 
- *Violation* : XXXX XXXX mandates clear status codes for transparency. 

XXXX. ** XXXX ( Duplicate Remarks ) : ** - Repeats " Account information disputed by consumer '' ( XXXX ). 
- *Violation* : XXXX XXXX prohibits redundant remarks. 

XXXX. XXXX XXXX ( Invalid Payment History ) : ** - Reports " No payment history available '' despite being a collection account. 
- *Violation* : XXXX XXXX requires accurate payment history for collections. 

XXXX. **XXXX  XXXX ( Failure to Flag Dispute ) : ** - Omits **Compliance Condition Code " XXXX '' ** despite disputes. 
- *Violation* : XXXX XXXX mandates dispute flags for consumer transparency. 

-- - # # # **Legal Basis for Deletion** Under **FCRA 611 ( a ) ( 1 ) ( A ) **, credit bureaus must conduct a " reasonable reinvestigation. '' WEST CENTRAL TEXAS COLLECTION failed to : - Provide verifiable proof of debt ownership ( e.g., signed contract ). 
- Report a valid original creditor or debt transfer documentation. 
- Apply XXXX XXXX codes ( e.g., Compliance Condition Code " AH '' ).

-- - # # # **Demand for Action** 1. **Permanently delete** this account from all credit reports. 
XXXX. **Investigate and correct** systemic inaccuracies. 
XXXX. Provide a **Method of Verification ( MOV ) ** confirming compliance. 

**Failure to resolve within 30 days** will result in : - Escalation to the **Consumer Financial Protection Bureau ( CFPB ) **.

- Legal action under **FCRA 616** for willful non-compliance. 

-- - # # # **Attached Documentation** 1. Credit reports ( XXXX, XXXX, XXXX XXXX. 
2. Screenshots of discrepancies ( XXXX, XXXX, XXXX ). 

-- - **Certified Mail Tracking # ** : [ Insert after sending ] Sincerely, XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX | Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation