Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Knight Adjustment Bureau
State: TX

Complaint narrative:
KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Debt Validation and Verification of Paid Account Account XXXX To Whom It May Concern, I am writing to formally request detailed validation and verification of the debt associated with my name and carrying the account number XXXX, which your agency is currently reporting on my credit report. This account has been paid in full as of XX/XX/year>. Under the guidelines of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX ( XXXX ) guidelines, and the Consumer Financial Protection Bureau ( CFPB ) directives, I am entitled to request and obtain comprehensive validation of this debt and confirmation of its paid status. 

XXXX. Proof of Ownership & Assignment ( FCRA Section 623 ( a ) ( XXXX ) & XXXX Guidelines ) : ** In accordance with FCRA Section 623 ( a ) ( XXXX ) and XXXX guidelines, please provide documentation proving that Knight Adjustment Bureau legally owns or has been assigned the debt in question. This should include all assignment and transfer agreements that demonstrate the chain of custody of the debt from the original creditor, XXXX XXXX XXXX XXXX, to your agency. 

XXXXOriginal Signed Agreement ( FCRA Section 611 & FDCPA Section 809 ( b ) ) : ** Under FCRA Section 611 and FDCPA Section 809 ( b ), I request a copy of the original signed agreement or contract that establishes my obligation to pay the original creditor. This contract must include all terms and conditions and be clearly legible.

**3. Proof of Paid Status ( FCRA Section 611 & FDCPA Section 809 ( b ) ) : ** Under FCRA Section 611 and FDCPA Section 809 ( b ), I request documentation that confirms this debt was paid in full. This documentation should include a receipt or confirmation of payment and a clear statement from Knight Adjustment Bureau indicating that the debt has been settled and is no longer owed.

**4. Itemized Account Statement ( CFPB Guidelines ) : ** According to CFPB guidelines, I request a complete and itemized statement reflecting the account 's activity. This must include all charges, interest, fees, and any payments applied to the account, thereby detailing how the current balance was calculated.

**5. Accurate Account Reporting ( CFPB Guidelines ) : ** According to CFPB guidelines, I request that you provide evidence that all information regarding this account reported to the credit bureaus ( XXXX, XXXX, and XXXX ) is accurate and complete. Any discrepancies or inaccuracies must be corrected immediately. 

XXXX. Legible Payment History ( FCRA Section 623 ( b ) ) : ** FCRA Section 623 ( b ) mandates that data furnishers verify the accuracy of the information they report. Please provide a complete record of the payment history, including the original date of delinquency, the date of payment, and any adjustments made to the account balance.

**5. State Licensing Information ( CFPB & FDCPA Section 809 ( a ) ) : ** I request proof that Knight Adjustment Bureau is authorized to operate and collect debts in my state XXXX This should include your collection agencys license to collect debts in my state and any relevant registration or permit details. 

Failure to provide the requested validation and documentation within 30 days from the receipt of this letter will oblige me to file complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office, as this would constitute a violation of the FDCPA and FCRA. 

In the interim, until all requested documentation/information is verified/provided that the debt is correctly reported as paid, all collection activities, including updates to credit bureaus, should cease. If you are unable to validate the debt and its paid status, I respectfully request that you terminate all collection actions and facilitate the removal of this collection account from my credit report with all major credit bureaus. 

Please acknowledge receipt of this request and inform me of your findings at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation