Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
Subject : Failure to Properly Validate Debt and Failure to Conduct Reasonable Reinvestigation Credit Corp Solutions , Inc. & XXXX  Companies Involved : Debt Collector / Furnisher : Credit Corp Solutions , Inc. ( CCS ) Credit Bureau : XXXX  Account Information : Original Creditor : XXXX XXXX XXXX XXXX XXXX Current Furnisher : Credit Corp Solutions , Inc. 
Reference Number : XXXX XXXX / Account ending in XXXX Alleged Balance : {$1000.00} Summary of Complaint I am disputing an alleged debt being reported by Credit Corp Solutions , Inc. ( CCS ) and furnished to XXXX. Despite multiple written disputes and requests for validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), CCS has failed to provide proper validation.

XXXX, in turn, has verified the account as accurate without conducting a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 



Details of Violations : XXXX. Failure to Provide Validation ( FDCPA ) CCS has not produced a signed and executed contract or application linking me to the alleged debt. 
CCS has not provided a complete and itemized accounting of the alleged balance ( {$1000.00} ). 
CCS has not provided proof of assignment or bill of sale showing they have legal standing to collect. 
Instead, CCS has only sent generic letters and restated information, which does not constitute full validation. 
XXXX. Failure to Conduct Reasonable Reinvestigation ( FCRA ) I submitted formal disputes to XXXX, with copies of CCSs insufficient responses. 
XXXX investigation result ( dated XX/XX/year> ) came back as Verified and Updated, even though CCS provided no actual proof of ownership or liability. 
By law, XXXX  must review all relevant information I submitted and can not rely solely on the furnishers word. 
XXXX. Ongoing Reporting Harm This tradeline continues to appear on my credit report, damaging my creditworthiness. 
It is inaccurate, incomplete, and unverified. 

Requested Resolution : I respectfully request that the CFPB take the following actions : XXXX. Order Credit Corp Solutions , Inc. to cease collection activity until proper validation is provided, including : A signed and executed credit agreement/application, A complete itemized accounting of the alleged debt, and Proof of assignment or bill of sale showing their legal authority to collect. 
XXXX. Order XXXX  to delete this account from my credit file, as they failed to conduct a reasonable reinvestigation under FCRA. 
XXXX. Require both parties to provide written confirmation of their compliance. 

Attachments Provided : My original dispute letters to CCS.

CCSs responses ( showing lack of validation ).

My dispute letters to XXXX. 
XXXX  Verified and Updated dispute results ( dated XX/XX/year> ). 

This account is inaccurate, incomplete, and unverified. Until proper validation is provided, it should not be reported or collected.

Company response to consumer: Closed with explanation