Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am writing to formally dispute the above-referenced account and to request its immediate deletion from my consumer credit reports. This dispute is based not merely on disagreement with the balance, but on the * * inability of the furnisher to verify the account with complete and accurate information as required under the Fair Credit Reporting Act ( FCRA ). After reviewing your response, it is clear that your investigation relied exclusively on information provided by the original creditor without addressing material facts that directly impact the accuracy and completeness of the account. Specifically : 1. * * Admitted Billing Error by Creditor * * The creditor has acknowledged that the original tuition rate applied to my account was incorrect and required adjustment. This admission calls into question the overall accuracy and integrity of the balance being reported. 2. * * Failure to Address Administrative and Processing Issues * * I made documented attempts to verify my enrollment and tuition rate prior to the start of the term on XX/XX/XXXX, and submitted emails to the professor through the student portal in which I no longer have access to. I submitted a withdrawal request on XX/XX/XXXX, following guidance from university staff. No confirmation or response was provided. The absence of processing confirmation and lack of communication directly contributed to this dispute and has not been meaningfully addressed in your investigation. 3. * * Excessive Delay in Notice of Alleged Debt * * I did not receive any notice of an outstanding balance until XX/XX/XXXX, XXXX XXXX years after the alleged obligation arose. This delay raises significant concerns regarding the reliability and completeness of the account history being reported. 4. * * Failure to Conduct a Reasonable Investigation * * Your response indicates reliance on creditor-provided documentation without reconciling the above discrepancies. Under the FCRA, a reasonable investigation requires more than simply confirming that a balance exists ; it requires ensuring that the information reported is * * accurate, complete, and not misleading in context * *. Because these material issues remain unresolved, the account can not be considered fully verifiable. Reporting an account under these conditions may result in the furnishing of information that is incomplete or misleading, which is prohibited under federal law. Accordingly, I am requesting the following : Immediate deletion of this account from all consumer reporting agencies Written confirmation that the account has been removed from my credit file Documentation of the procedures used in your investigation, as required under FCRA 611 ( a ) ( 7 ) If this account is not deleted, please provide : Specific documentation demonstrating how the balance was calculated after the admitted billing error Evidence that my withdrawal request was properly processed and evaluated in accordance with institutional policy A complete payment and account history reflecting all adjustments made Please note that continued reporting of information that can not be fully verified as accurate and complete may constitute a violation of the FCRA. I am maintaining detailed records of this matter and reserve the right to pursue further action if necessary. Additionally, I dispute the manner in which this account is being reported in the payment history. The tradeline reflects repeated monthly collection ( C ) statuses from XX/XX/XXXX through the present. This pattern of reporting creates a misleading impression that multiple separate collection events or recurring delinquencies have occurred, when in fact this is a single disputed account. Such reporting may improperly exaggerate the negative impact of the account. Under the Fair Credit Reporting Act, information furnished to consumer reporting agencies must not only be technically accurate, but also complete and not misleading. Repeated monthly collection indicators without proper context or clarification fails to meet this standard. Additionally, I request verification of the Date of First Delinquency ( DOFD ) associated with this account. Any reporting that has the effect of re-aging the account or making the debt appear newer than it actually would constitute a violation of the FCRA. Please investigate whether the reporting of this account complies with FCRA requirements for accuracy, completeness, and proper dating. If not, I request that the tradeline be corrected or deleted accordingly. I expect a response within the timeframe required under federal law. Sincerely, XXXX

Company response to consumer: Closed with explanation