Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I obtained my most recent credit profiles from XXXX, XXXX, and XXXX. Conn Credit Corp currently appears as the collection agent for an alleged delinquent account. 

This is an unvalidated account that was previously removed from reporting to my personal credit profile.Public records demonstrate that the opening of this account occurred during a timeframe the account information could not possibly be accurate. Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and.or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws, much less the standard of compliant reporting of the documented perfect and complete XXXX XXXX Format compliance of reporting! Your current reporting is significantly questionable and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified XXXX XXXX XXXX reporting. 

Conn 's is reporting inaccurate and incomplete information, in regards to the allegedly derogatory account. I demand, as I have already previously done, validation of the debt. Since Conn 's can not /will not provide the itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. ) Please complete your investigation of this derogatory account and remove this because Conn 's can not validate the information currently being reported on my credit report. REMOVE the following suspect allegation immediately and permanently.

This is, again, my official call for Conn 's discontinuation of reporting of the alleged debt and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and elsewise physically verified and validated claims. Due to at least these few compliance-issues in Conn 's current reporting I demand proof beyond doubt for these claims. This negative/derogatory CONN CREDIT CORP account is deficient as reported, as above-displayed in evidence of uncertified Type questionable, even poor, reporting. Per federal reporting regulations all claims MUST be to minimum possible accuracy and a maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying for the XXXX XXXX Format compliance since, per CDIA, DNP 3-4, Any deviation from these standards jeopardizes the integrity of the data. As such, remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated. Finally, this Record Event appears to me missing its requisite reported : XXXXXXXX XXXX Type ; XXXX : Original Balance ; XXXX Highest Credit/ Orig. Loan Amt. ; XXXX Scheduled Monthly Payment Amt. ; XXXX Special Comment ; XXXX Compliance Con. Code ; In accordance with the FCRA 611 ( 15 U.S.C. 1618 ( 1 ) ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting, I am here now enacting my right ( s ) to contest questionable and/or claims alleged, yet still unproven to be each true, correct, documented as validated and or elsewise undeniably certified compliant information included on my personal consumer credit report. Any allegation of derogatoriness and/or delinquency, without factual document proof demonstrated, I am unable to recognize, and as is/are my RIGHT ( S ), I challenge the REPORT-ABILITY of the deficient allegations of subterfuge. Per federal and applicable reporting laws of my state, Conn 's MUST report with the greatest compliance and accuracy possible and reasonable. It is UNLAWFUL to retain, much less, report deficient claims of which are known or should be known to be not to regulations and/or standard of ethical and lawful reporting. MY NOTIFICATION TO CONN 'S NOW serves to debunk the possibility that CONN 'S DOES NOT KNOW that Conn 's needs to ensure all claims are adequately factual and certifiably reported to be included in the mandated XXXX XXXX format reporting standard. For any alleged account, I DEMAND that Conn 's validate the requisite physically verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts/allegations of injury, TRUE OR NOT! I am willfully allowing Conn 's as long as 5 days to complete your requisite reasonable investigation to either confirm the claims current reporting validity and compliance or REMOVE FROM REPORTING the matter here, now, challenged. I also DEMAND and AUTHORIZE for Conn 's to mail me physical documented proof of your adequate action ( s ) and my then updated personal credit report following your correction ( s ).

This debt has been previously disputed, invalidated and terminated from reporting. AS SUCH, in accordance with the Federal Fair Debt Collection Practices Act ( FDCPA 15 USC sec. 1692 ( a-p ), Conn Credit Corp is hereby notified to cease and desist any and all collection attempts of this alleged debt. I am declining attempts from Conn Credit Corp or any other collection agency with regard to this matter, and Conn Credit Corp has now been formally notified that any further transmission of questionable and/or claims alleged, yet still unproven to be each true, correct, documented as validated and or elsewise undeniably certified compliant information included on my personal consumer credit report, or to any other entity, will result in appropriate legal recourse.

Company response to consumer: Closed with explanation