Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE INACCURATE, MISLEADING, AND NON-COMPLIANT REPORTING Original Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

My credit report lists XXXX XXXX XXXX XXXX as the original creditor. However, I am currently being contacted by a third party identifying themselves as Complete Credit Solutions, who is attempting to collect on this account.

I did not do business with Complete Credit Solutions. My contractual relationship was solely with XXXX XXXX XXXX XXXX, and I was never notified that this account had been assigned, placed, or otherwise authorized for third-party collection. 

In addition, I have received threatening voicemail messages from Complete Credit Solutions attempting to collect this alleged debt. These communications occurred without prior written validation or proper disclosure, further calling into question the accuracy, legitimacy, and compliance of the reporting.

Inaccurate and Misleading Reporting Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy. 
Reporting this account solely under the original creditor while a separate third party is actively attempting to collect, without identifying that entity, is incomplete and misleading. 
Failure to Properly Disclose Third-Party Collection Activity If XXXX XXXX XXXXXXXX XXXX has assigned, placed, or authorized Complete Credit Solutions to collect this debt, that relationship must be accurately reflected. Failure to disclose this information renders the tradeline inaccurate and non-compliant.

Reasonableness of Furnisher Investigation Upon dispute, the furnisher is required under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation, including verification of : Whether this account has been assigned or placed with a third party Who is legally authorized to collect Whether reporting accurately reflects the current status of the account Collection Conduct Further Undermines Accuracy The receipt of threatening voicemail communications from an undisclosed third party, without proper validation, raises serious concerns regarding the legitimacy and accuracy of the alleged debt and whether the reporting can be verified as compliant with federal law. 
Unverifiable or Incomplete Information Requires Deletion If this account can not be verified as complete, accurate, and not misleading, it must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 




I request that you : Conduct a reinvestigation of this account Verify whether XXXX XXXX XXXX XXXX authorized Complete Credit Solutions to collect Confirm that reporting accurately reflects all parties involved Delete this account if it can not be verified in compliance with the FCRA This letter is not an acknowledgment of liability, It is a formal dispute of accuracy, completeness, and legal compliance. 

Sincerely, 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