Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VELO LAW OFFICE
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX credit reporting, insufficient debt validation, and failure to conduct a reasonable investigation in connection with an alleged utility debt originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting and attempting to collect a balance of approximately {$390.00}. I dispute the accuracy and validity of the amount being reported because the creditors own records contain substantial inconsistencies and unresolved discrepancies. Although a debt may legally be assigned or transferred to a third-party collector, federal consumer protection laws still require the collector and furnisher to accurately report and reasonably validate the amount claimed. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors may not : Misrepresent the amount or legal status of a debt Use false, deceptive, or misleading representations Continue collection activity using inaccurate or unreliable information Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to : Report accurate information to credit reporting agencies Conduct a reasonable investigation when a consumer disputes information Correct or delete inaccurate, incomplete, or unverifiable information Despite my disputes and supporting documentation, VELO Associates continues to report the account without adequately resolving the inconsistencies contained in the underlying utility records. The records provided by the utility and collector contain multiple contradictions, including : Conflicting accounting regarding a {$200.00} security deposit ( shown as refunded in one system, applied in another, and absent from earlier reconciliation records ) Overlapping and duplicate XX/XX/year> billing periods Manual AR adjustments that do not appear on original billing statements Statements showing 0 usage and {$0.00} current charges while still carrying forward a balance of {$390.00} Inconsistent billing calculations and unexplained account modifications Lack of a complete itemized reconciliation supporting the balance being reported Additionally, VELO Associates relied primarily on : A membership application Balance-forward statements Internal utility screenshots and summaries These documents establish only that an account existed not that the amount being reported is accurate, reconciled, or properly validated. The collector has failed to provide : A complete itemized accounting of the alleged debt A reasonable explanation reconciling the contradictory records Documentation supporting overlapping or duplicate charges Clear accounting of the deposit handling Sufficient evidence demonstrating that the reported balance is accurate Despite these unresolved discrepancies, the account continues to be furnished to the credit reporting agencies, negatively affecting my credit profile. I am requesting : 1. A full reinvestigation into the accuracy of the reported balance 2. Complete itemized validation and reconciliation of all charges, credits, deposits, and adjustments 3. Verification that the balance being reported is accurate and supported by consistent business records 4. Removal of any inaccurate, unverifiable, misleading, or improperly reported information from all credit reporting agencies 5. Suspension of collection and reporting activity until the dispute is fully resolved 6. Written confirmation of the investigation findings and any corrective actions taken At this time, the balance remains disputed and has not been adequately verified through consistent, reliable, and reconciled records.

Company response to consumer: Closed with explanation