Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Credit Corp Solutions , Inc. * * Balance Reported : * * {$570.00} * * Date Opened : * * XX/XX/year> * * Account Status : * * Open Collection Account * * Original Creditor : * * Not Reported/ Unknown * * Complaint * * I am filing this complaint against Credit Corp Solutions , Inc. regarding a collection account being reported on my consumer credit reports. Credit Corp Solutions is reporting a collection account with a balance of {$570.00}. However, the account information being furnished is incomplete because the original creditor is not identified. Without disclosure of the original creditor, I am unable to determine the origin, validity, ownership, or accuracy of the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Reporting a collection account without identifying the original creditor raises concerns regarding compliance with federal reporting requirements and the completeness of the information being furnished. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, Credit Corp Solutions must conduct a reasonable investigation and review all relevant information before continuing to report the account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, debt collectors may not use false, deceptive, misleading, unfair, or unconscionable means to collect or report debts. Debt collectors must possess sufficient documentation establishing the validity of the debt, the amount claimed, and their authority to collect it. I dispute the validity, ownership, and accuracy of this alleged debt and request that Credit Corp Solutions provide : 1. Identification of the original creditor. 2. The original account number associated with the alleged debt. 3. Documentation proving I am legally responsible for the debt. 4. Documentation demonstrating Credit Corp Solutions ' authority to collect the debt. 5. Documentation showing the complete chain of assignment, transfer, or sale of the account. 6. A complete payment history and accounting supporting the balance being reported. 7. Documentation establishing the date of first delinquency. 8. Verification that all information reported to consumer reporting agencies complies with the FCRA and Metro 2 reporting standards. The CFPB has repeatedly emphasized that debt collectors and furnishers must maintain reasonable procedures to ensure the accuracy and integrity of information furnished to consumer reporting agencies. If Credit Corp Solutions can not validate and verify this account, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Credit Corp Solutions conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of this alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation