Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: TX

Complaint narrative:
CFPB Escalation Complaint Company : Zions Debt Holdings Original Creditor : XXXX XXXX Debt Amount Claimed : {$780.00} I am filing this escalation complaint regarding repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), CFPB Regulation F, and the Fair Credit Reporting Act ( FCRA ) by Zions Debt Holdings. These violations include continued collection activity after a dispute, incomplete debt validation, improper reinsertion of a collection account after deletion, inaccurate credit reporting, and use of an unverified and incorrect address.

Timeline of Events and Violations 1. Initial Collection Notice Zions Debt Holdings claimed to have purchased an alleged debt from XXXX XXXX related to utility services dated XX/XX/XXXX, with an original balance of {$560.00}, later increased through interest and fees to {$780.00}.

2. Improper Address Use The initial validation/collection correspondence was sent to an unverified address in a different state than where the alleged service occurred. This address was not confirmed as accurate or current prior to initiating collection activity, raising concerns under Regulation Fs location and communication accuracy requirements.

3. Timely Dispute and Debt Validation Request I timely disputed the alleged debt and requested full validation in writing. This included requesting : Proof of contractual obligation Itemization of charges Proof of ownership/assignment Authority to collect Accurate reporting verification This dispute invoked my rights under 15 U.S.C. 1692g and CFPB Regulation F.

4. Incomplete and Insufficient Validation Response Zions Debt Holdings responded with a form letter that merely restated : The alleged creditor name Provided a letter they sent to unverified address out of state XX/XX/XXXX Balance amounts Interest and fees They failed to provide : A copy of any contract or service agreement bearing my signature Proof of assignment or purchase of the debt Evidence that the amount reported is accurate Documentation authorizing them to collect or report This response does not meet the legal standard for debt validation and constitutes an incomplete response.

5. Continued Collection Activity After Dispute Despite the active dispute and lack of proper validation, Zions Debt Holdings continued collection activity, including : Sending collection emails offering payment and pay-for-delete Attempting to induce payment while the debt remained disputed This violates 15 U.S.C. 1692c ( c ) and CFPB Regulation F, which prohibit continued collection efforts after a dispute until validation is properly provided.

6. Improper Credit Reporting and Reinsertion Zions Debt Holdings reported the collection to the credit bureaus.

Between XX/XX/XXXX and XX/XX/XXXX, the collection account : Was removed Then reinserted during the same time period without proper notice or certification This reinsertion caused a XXXX-point credit score drop, resulting in measurable financial harm.

The reinsertion was done without compliance with FCRA reinsertion requirements, including : Certification of accuracy Advance consumer notice This violates 15 U.S.C. 1681i ( a ) ( 5 ).

7. Ongoing Inaccurate and Harmful Reporting The collection account continues to appear despite : No proper validation An ongoing active dispute Evidence of procedural violations This constitutes willful and negligent noncompliance with federal consumer protection laws.

Violations Cited : FDCPA ( 15 U.S.C. 1692g ) Failure to properly validate debt FDCPA ( 15 U.S.C. 1692c ( c ) ) Continued collection after dispute CFPB Regulation F ( 12 CFR Part 1006 ) Improper collection communications and failure to cease activity FCRA ( 15 U.S.C. 1681i ) Improper reinsertion and inaccurate reporting FCRA ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate information after notice of dispute Harm Caused : XXXX-point credit score decrease Ongoing credit damage Increased cost of credit Emotional distress, frustration and time spent correcting unlawful actions all while still making 100 % of payments on time Requested Resolution I am requesting that the CFPB require Zions Debt Holdings to : Immediately and permanently delete the collection account from all credit reporting agencies Cease all collection activity related to this alleged debt Confirm deletion in writing Ensure no future reinsertion occurs Review their compliance procedures to prevent similar violations Closing Statement Zions Debt Holdings has demonstrated a pattern of noncompliance with federal law by ignoring dispute rights, providing incomplete validation, continuing collection activity, and manipulating credit reporting to the consumers detriment. This escalation is necessary due to their failure to correct these violations voluntarily and severity of damages. I am prepared to take legal action. 

Regards, XXXX XXXX

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