Consumer complaint received 2024-04-27 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: Zions Debt Holdings
State: NY

Complaint narrative:
FAILURE TO COMPLY CFPB complaint number XXXX XX/XX/year> On XX/XX/year> Zion debt holding responded to my cfpb notice of violation with the following We purchased your XXXX XXXX account. The balance owed is {$2200.00}. We are willing to settle your account for a discounted amount of {$800.00}, if paid by XX/XX/year>. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zionsdebtholdings.com with account # XXXX. 

Zion Debt Holdings failed to follow my cease and desist which was sent to them on XX/XX/year> XXXX The following complaint was ZIONS DEBT HOLDINGS, You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction and failed the requirements imposed pursuant to 15 usc 1692c ( a ) my consumer report is evidence of communication, you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. my consumer report is evidence of communication,, it is evident that ZIONS DEBT HOLDINGS, pursuant to 15 U.S. Code 1692e ( 8 ), has communicated false credit information about me, the consumer, to CRA 's. This communication includes information ZIONS DEBT HOLDINGS either knew or should have known to be false. This misconduct has had a detrimental impact on my reputation, making it difficult for me to obtain credit extensions. Consequently, I am experiencing emotional distress as a direct result of their actions. Under 15 U.S. Code 1692k ( a ) ( 1 ), ZIONS DEBT HOLDINGS is held liable for the actual damages caused by their false reporting, specifically the harm inflicted on my reputation and the resulting effects on my ability to access credit. Furthermore, they are subject to fines of up to {$1000.00} for their unfair and misleading conduct. In addition, pursuant to 15 U.S. Code 1692e ( 10 ) ZIONS DEBT HOLDINGS use of false representation or deceptive means ( reporting to credit bureaus ) to collect or attempt to collect any debt or to obtain information concerning a consumer., pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to ZIONS DEBT HOLDINGS actions, I assert that they have violated 15 U.S. Code 1692d ( 1 ) by using criminal means of identity theft to harm my reputation ( consumer reports ). As a consequence of this misconduct, I hold them liable for actual damages and emotional distress under 15 U.S. Code 1692k ( a ) ( 1 ). They are also subject to fines of up to {$1000.00}. While ZIONS DEBT HOLDINGS claims to be a " Furnisher '' of information and asserts their obligation to furnish accurate information, it is important to note that pursuant to 12 CFR 1022.41 ( c ) ( 2 ), you can not be considered a " Furnisher '' because you are acting as a " consumer reporting agency '' as defined by 15 U.S. Code 1681a of the Fair Credit Reporting Act ( FCRA ) .My identifying information, which includes my name, social security number, government identification number, date of birth, and account number ( a unique electronic identification number used to identify me as the consumer ), falls within the definition of identifying information outlined in 12 CFR 1022.3 ( g ) ( 1 ). When combined with information about my transactions and experiences, this constitutes a consumer report under 15 U.S. Code 1681a ( d ) ( 1 ) ( A ). It is crucial to recognize that 15 U.S. Code 1681 }, is a consumer reporting agency because this information pertains to my creditworthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of assessing my eligibility for credit. Additionally, it directly impacts my credit score as specified in 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ), being that you are acting as a consumer report agency you are in violation of the FCRA 15 U.S. Code 1681b ( 2 ) no written instructions to furnish a report on my behalf In addition ZIONS DEBT HOLDINGS engage in conduct to harass, oppress, and abuse i the consumer in connection with the collection of a alleged debt ( communication reporting to consumer reporting agencies ), as shown in attachment to this complaint stating i owe any alleged debt pursuant to 15 U.S. Code 1692d ( 2 ) is The use of obscene or profane language holds you liable to fines up to 1,000 pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such actions from { creditor_name } I the consumer pursuant to 15 usc 1692c ( d ), Pursuant to 15 usc 1692c ( c ) i am refusing to pay this debt and demanding you to cease all communications pursuant to 15 usc 1692a communications means the conveying of information regarding a debt directly or indirectly to any person through any medium including any and all including consumer reports, consumer reporting agency, debt collectors, family, friends, associates, social media Pursuant to 15 usc 1692c ( c ) ( 2 ) i am invoking my specified remedy as the creditor who created this debt, Pursuant to 15 usc 1692c ( c ) ( 1 ) i am demanding you to terminate all debt collections efforts send account back to creditor notification shall be complete upon receipt of letter With Explicit Reservation of all Right, Without Prejudice UCC 1-308. XXXX XXXX Please note failure to cease all communication including text messages, emails, phone calls, consumer reports, any third parties including but not limited to family and friends any other debt collectors if this account is reporting to any consumer reporting agency please remove this tradeline from my consumer file

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