Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
[ Letter XXXX : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Re : Account Balance {$650.00} - Original Creditor : XXXX XXXX XXXX XXXX XXXX  Report Item Dear Credit Corp Solutions, I am writing to dispute the accuracy and completeness of the above-referenced collection account appearing on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputed information. To date, you have failed to provide adequate validation or verification of this debt.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand a debt validation letter with complete documentation proving your legal right to collect this debt, including the original creditors signed contract and a detailed payment history.

The information reported is either inaccurate, incomplete, or unverifiable, which violates my rights under FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), and FDCPA 1692e and 1692f. The continued reporting of this unverifiable debt causes irreparable harm to my credit reputation and financial wellbeing.

I demand immediate deletion of this collection account from all credit reporting agencies and written confirmation that you have complied with this request. Failure to do so will result in legal action. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX - FIRST ACCESS BANK OF MISSOURI ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX [ Address of XXXX XXXX XXXX ] Re : Account Balance {$500.00} - Original Creditor : XXXX XXXX XXXX  XXXX XXXX  XXXX  Report Item Dear XXXX XXXX XXXX, This letter serves as a formal dispute of the above collection account reported on my XXXX  credit file. Under the FCRA 15 U.S.C. 1681i, you must conduct a reasonable investigation and remove any information that can not be verified. 

Pursuant to FDCPA 15 U.S.C. 1692g, I demand complete validation of this alleged debt, including a copy of the original signed agreement and itemized account statements.

Failure to provide valid proof of this debt renders this entry inaccurate and incomplete under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ). Reporting unverifiable debts violates FDCPA 1692e, 1692f, and causes significant damage to my creditworthiness.

I demand you delete this account from all credit reporting agencies immediately and notify me in writing. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX [ Address of XXXX XXXX XXXX ] Re : Account Balance {$510.00} - Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Report Item Dear XXXX XXXX XXXX, I dispute the accuracy and completeness of this collection account on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). You are legally required to verify this debt with valid documentation.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request a full debt validation with original creditor documentation and payment history.

Reporting unverifiable debts violates FCRA 1681e ( b ), 1681i ( a ), and FDCPA 1692e, 1692f. This inaccurate reporting is damaging my credit and must be permanently removed. 

Please provide written confirmation of deletion. 

Sincerely, XXXX XXXX [ Letter XXXX : XXXX XXXX XXXX - TOTAL CARD BANK OF MISSOURI ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX [ Address of XXXX XXXX XXXX ] Re : Account Balance {$460.00} - Original Creditor : TOTAL CARD XXXX XXXX XXXX XXXX Report Item Dear XXXX XXXX XXXX, This letter is a formal dispute of the collection account referenced above appearing on my Experian credit report. Under FCRA 15 U.S.C. 1681i, you must conduct a reasonable investigation and remove unverifiable information.

Under FDCPA 15 U.S.C. 1692g, I demand validation of the alleged debt including copies of all relevant contracts and detailed account statements.

Failure to produce verification renders this entry inaccurate and incomplete, violating FCRA 1681e ( b ), 1681i ( a ), and FDCPA 1692e, 1692f. 

I demand immediate removal of this inaccurate information and written confirmation thereof. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX [ Address of XXXX XXXX XXXX ] Re : Account Balance {$550.00} - Original Creditor : XXXX XXXX XXXX XXXX  XXXX  Report Item Dear XXXX XXXX XXXX, I dispute the above collection account listed on my XXXX credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you must verify the accuracy of reported debts.

Pursuant to FDCPA ( 15 U.S.C. 1692g ), I demand full debt validation, including original creditor contracts and detailed payment history.

Reporting unverified or inaccurate debts violates my rights under FCRA 1681e ( b ), 1681i ( a ), and FDCPA 1692e, 1692f.

I demand deletion of this inaccurate and unverifiable information from all credit reporting agencies and written confirmation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Dispute of XXXX XXXX XXXX Collection ( Original Creditor : XXXX XXXX XXXX XXXX  ) To Whom It May Concern, I am disputing the accuracy of the {$550.00} collection account by XXXX XXXX XXXX tied to XXXX XXXX XXXX XXXX. 
Under the FCRA and FDCPA, this account must be verified with complete and accurate documentation. I have not been provided a contract, billing statements, or any chain of assignment from the original creditor to XXXX. 
This reporting lacks legal validation and must be removed unless substantiated immediately. 
Please provide confirmation of the outcome of this dispute in writing within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation