Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
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 **WEST CENTRAL TEXAS COLLECTION** XXXX XXXX XXXX XXXX XXXX, TX XXXX **Subject : Final XXXX for XXXX Deletion of XXXX Collection Account and Cessation of Harassing Communications** To Whom It XXXX Concern : I, XXXX XXXX ( XXXX : XXXX, XXXX : XX/XX/XXXX ), formally XXXX the **permanent deletion** of the WEST CENTRAL TEXAS COLLECTION ( XXXX  ) account from my credit reports and the cessation of all unlawful communication XXXX This account violates **Metro XXXX compliance**, the XXXXFair Credit Reporting Act ( XXXX  ) **, and the **Fair Debt Collection Practices Act ( XXXX  ) **. Below are the violations and required actions : -- - # # # XXXX. FCRA XXXX ( b ) and XXXX XXXX XXXX - **Violation** : XXXX continues to report this account as a " collection '' despite acknowledging disputes and failing to validate the debt. 
- **Demand** : **Delete** the account immediately, as no signed contract, billing statements, or proof of ownership from " XXXX XXXX '' has been provided. 

-- - # # # XXXX. FDCPA XXXX ( c ) Harassment** - **Violation** : XXXX admitted to contacting me after I explicitly requested cessation of communication ( XXXX ). 
- **Demand** : Cease **all communication** and confirm compliance in writing. 

-- - # # # XXXX. XXXX XXXX XXXX ( Inaccurate Account Status ) ** - **Violation** : The account is falsely labeled as a " collection '' and linked to a " natural disaster, '' which is fraudulent and unsupported by evidence. 
- **Demand** : **Remove** all derogatory labels and references to disputes/natural disasters. 

-- - # # # XXXX. FCRA XXXX and XXXX XXXX XXXX - **Violation** : Credit bureaus failed to correct inaccuracies despite multiple disputes and CFPB complaints ( last response : XX/XX/XXXX ). 
- **Demand** : **Reinvestigate** using eOSCAR technology and provide a XXXX of XXXX ( MOV ) **. 

-- - # # # **Legal Basis for Deletion** - **FCRA XXXX ( b ) ** : Credit bureaus must ensure maximum accuracy. 
- **FDCPA XXXX ( XXXX ) ** : Prohibits false representations about debt validity. 
- **Metro XXXX XXXX : XXXX accounts must be deleted after 7 years ( opened XX/XX/XXXX ; delete by XX/XX/XXXX ). 

-- - # # # **Demand for XXXX XXXX XXXX. **Permanently delete** the XXXX account from all credit reports. 
XXXX. **Update all closed accounts** to reflect " Closed/Paid as Agreed '' with {$0.00} balances. 
XXXX. **Cease all communication** from XXXX, XXXX FDCPA XXXX ( c ). 
XXXX. Provide **written confirmation** of compliance within XXXX days**. 

**Failure to comply** will result in : - A lawsuit for **statutory damages** ( {$1000.00} per FDCPA/FCRA violation ) and **punitive damages**. 
- Escalation to the XXXX, XXXX Attorney XXXX XXXX and **FTC**. 

-- - # # # **Attached Documentation** XXXX. WCTXCOLLs admission of unlawful contact ( XXXX ). 
XXXX. Proof of prior disputes and CFPB complaints. 
XXXX. Certified mail receipts for past disputes. 



Sincerely, **XXXX  XXXX SSN : XXXX | XXXX : 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