Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: NV

Complaint narrative:
ATTESTATION LETTER UNDER PENALTY OF PERJURY From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX To : Zions Debt Holding Date : XXXX Subject : Formal Attestation and Demand for Verified Validation of Debt To Whom It XXXX Concern, I, XXXX XXXX XXXX attest that the following statements and facts are true, accurate, and complete to the best of my personal knowledge, understanding, and belief : FACTUAL ASSERTIONS On or about XX/XX/year>, I issued a lawful Cease and Desist communication to Zions Debt regarding alleged collection activity. This notice revoked consent for any further contact and demanded validation of the alleged debt pursuant to 15 U.S. Code 1692c ( c ) and 1692g ( b ) Including communicating with me indirectly or directly through any forms of mediums including reporting on my consumer report.

Despite this, Zions Debt continued to send collection attempts, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Continued contact after notice is a violation of 15 U.S.C. 1692c ( communication without permission ) and potentially 1692d ( harassment or abuse ).

Zions has not provided full debt validation as required by law, including : A signed contract or agreement with my wet signature ; A full chain of assignment from the original creditor ; A breakdown of how the amount alleged is calculated ; Any evidence of my express written consent to share, store, or sell my private data.

I have no contractual relationship with Zions Debt, have not consented to any data collection or communication, and I dispute any alleged debt.

I was never provided a clear, complete disclosure of terms, in violation of 15 U.S.C. 1692g ( a ) and potentially the Truth in Lending Act ( TILA ) if applicable.

If Zions Debt has sent communications bearing official logos, sent requests for payment through the mail, or used misleading representations without my permission, I request you affirm whether you have complied with 15 U.S.C. 1692e ( false or misleading representation ).

LEGAL DEMAND FOR SWORN REBUTTAL You are hereby required to respond to each factual point above within 10 days from the date of receipt with a sworn, point-for-point rebuttal under penalty of perjury.

Failure to do so shall constitute tacit agreement that all points are true and accurate, and will be interpreted as : Admission that the alleged debt is invalid ; Agreement to cease and desist all further communication ; removal from all consumer reports.

Agreement to remove all reporting of said debt from any consumer reporting agencies ; Agreement to issue a {$5000.00} payment to me for damages due to harassment, unlawful contact, and failure to comply with federal law.

DECLARATION UNDER PENALTY OF PERJURY I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge, understanding, and belief. 

Executed on this XXXX of XX/XX/year>. 

Signature : XXXX XXXX XXXX XXXX : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation