Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company
State: TX

Complaint narrative:
CFPB COMPLAINT SECOND SUBMISSION Product : Debt collection / Credit reporting Company : Credit Service Company , Inc. ( CSC ) Debt Type : Medical debt Relief Requested : Deletion of tradelines Consumer Complaint Narrative I am submitting this second complaint because Credit Service Company , Inc. ( CSC ) has willfully and continuously violated my consumer rights, and correction is no longer an appropriate remedy. Removal of the tradelines is required. 

XXXX. Failure to Validate the Debt Texas Finance Code 392.202 I disputed these alleged medical debts in writing. Under Texas Finance Code 392.202, CSC was required to : Conduct an investigation, and Provide written validation within 30 days of receiving my dispute. 

CSC failed to provide validation within the statutory timeframe and instead continued collection activity and credit reporting. 

Under Texas law, once a collector fails to timely validate, it may not continue collection or reporting activity. CSCs later CFPB response does not cure this violation. A delayed, conclusory statement asserting accuracy does not satisfy 392.202.

CSC therefore violated Texas Finance Code 392.202 ( c ) and ( d ) and lost the legal right to continue collection or reporting. 

XXXX. Unlawful Assessment of Interest FDCPA Violation CSC admits it has been assessing and accruing interest for an extended period on alleged medical debts. 

CSC has never identified : Any contractual provision authorizing interest, Any Texas statute permitting pre-judgment interest on these medical debts, or Any court judgment authorizing interest. 

Under 15 U.S.C. 1692f ( 1 ), collecting or attempting to collect interest not expressly authorized by contract or law is unlawful. 

Medical debt does not automatically accrue interest under Texas law, and assignment to a third-party debt collector does not create new rights. 

CSCs assessment of interest constitutes the collection of amounts not permitted by law, in violation of the FDCPA. 

XXXX. Continued Inaccurate Credit Reporting After Disputes FCRA Violations I previously disputed these accounts directly with the consumer reporting agencies. Despite notice of dispute : CSC continued to furnish inaccurate balances, inflated by unauthorized interest CSC verified the accounts as accurate without lawful validation CSC continued reporting after losing the right to collect or report due to failure to validate This constitutes knowing and willful inaccurate furnishing under 15 U.S.C. 1681s-2 ( b ).

Because CSC lacked legal authority to collect interest and lacked lawful validation of the debt, any continued reporting is inherently inaccurate and unlawful. 

XXXX. Deletion Is the Only Appropriate Remedy At this stage, correction is insufficient and inappropriate because : The balances were never legally accurate CSC forfeited its right to report by failing to validate under Texas law CSC continued reporting after disputes, demonstrating willful noncompliance The tradelines are legally defective, not merely incomplete Under these circumstances, deletion is the only remedy that can cure the violations.

Company response to consumer: Untimely response