Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
Southern Credit Adjustment is reporting an alleged collection account in the amount of {$7700.00}, with North Carolina XXXX XXXX  listed as the original creditor. The account is reported as a collection account opened on XX/XX/XXXX, with a status of Unpaid as of XX/XX/XXXXXXXX XXXX 

This account is being reported in a way that is unlawful, misleading, and harmful. Most importantly, Southern Credit Adjustment has failed to provide validation proving that : The debt is legitimate, The balance is accurate, They have the legal right to collect. 

Instead, they attempt to continue reporting without evidence, which is a direct violation of federal law. 



Detailed Legal Violations XXXX. FDCPA Violations ( 15 U.S.C. 1692g ( a ) - ( b ) ) The FDCPA requires a debt collector to provide proper written validation when a debt is disputed.

Validation is not optional it must include : The name of the original creditor, Proof of the legal right to collect ( assignment, ownership, or transfer documents ), A complete accounting of how the alleged balance was calculated, A copy of the original contract or signed enrollment agreement. 
Southern Credit Adjustment has provided none of this.

They continue reporting the debt as active while ignoring validation requirements.

1692g ( b ) specifically prohibits reporting or collection activity until validation is produced. Every day they continue reporting without proof is a fresh violation. 



XXXX. False and Misleading Credit Reporting ( FCRA 15 U.S.C. 1681e ( b ) ) The FCRA requires that all credit reporting be accurate and not misleading.

This account is contradictory and misleading because : It is listed as Unpaid but shows no payment history, no terms, no past due amount, and no monthly payment.

It is reported as a collection but fails to disclose essential details of the obligation.

Reporting an account without complete information creates the false impression of an ongoing unpaid debt when no proof has been established. 
This is not accuracy it is reckless reporting that causes serious damage to the consumers financial reputation. 



XXXX. Failure to Reinvestigate Properly ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ) When a consumer disputes an account, the furnisher must reinvestigate within 30 days and either : Verify the debt with supporting documentation, OR Delete the entry entirely. 
Southern Credit Adjustment has attempted to bypass this requirement by providing no validation and continuing to report. 
This is not reinvestigation it is stonewalling and a willful violation of federal law. 



XXXX. Breach of Furnisher Duties ( FCRA 15 U.S.C. 1681s-2 ( b ) ) Furnishers are legally required to : Conduct a reasonable investigation into disputes, Report the results of that investigation, Correct or delete inaccurate or unverified information. 
Instead of conducting a reasonable investigation, Southern Credit Adjustment provided nothing and continues to publish this collection. 
This is a blatant breach of statutory duties. 



XXXX. Misrepresentation and Pattern of Abuse The companys reporting practices show a deliberate pattern of abuse. 
By listing debts without validation, ignoring disputes, and continuing to report, they are attempting to exploit the credit reporting system. 
This harms not only the consumer in this case but also the broader credit system, because it creates a precedent where debts can be reported without proof. 



Why This Matters This alleged {$7700.00} collection account is : Defamatory it paints an inaccurate picture of the consumers financial history. 
Damaging it lowers credit scores and creates barriers to housing, employment, and lending. 
Unlawful it is reported without validation, without accuracy, and without compliance with federal law. 
Predatory it subjects the consumer to ongoing harm while the company refuses to provide evidence of its validity. 

Every day this account remains on a credit report is another day of illegal damage to the consumers financial life.

Company response to consumer: Closed with explanation