Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am filing a formal complaint against Zion Debt Holdings regarding a fraudulent collection account being reported to the credit bureaus under my name, which appears to originate from an alleged debt tied to XXXX ( the original creditor ). I have never had any business or account relationship with either Zion Debt Holdings or XXXX. 

This account is a clear case of identity theft or fraudulent reporting. I have made multiple attempts to dispute this with the credit bureaus and with Zion Debt Holdings directly, and to date, no corrective action has been taken. The continued reporting of this false account is causing serious and ongoing harm to my credit profile, reputation, and financial well-being. 

I am demanding that Zion Debt Holdings IMMEDIATELY remove and delete this account from all consumer credit reporting agencies. If this issue is not resolved within XXXX business days, I have retained legal counsel and intend to initiate legal action for damages, attorney fees, and other remedies available under federal law. 



Legal Violations : Fair Credit Reporting Act ( FCRA ) : XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Duty to Report Accurate Information Zion Debt Holdings is reporting a false debt that I do not owe. Furnishing knowingly inaccurate data is a direct violation of the FCRA. 
XXXX. FCRA 623 ( a ) ( 3 ) Duty to Provide Notice of Dispute I have disputed this account. Zion Debt Holdings is required to indicate that the debt is in dispute on all reports to credit bureaus, which they have failed to do.

3. FCRA 623 ( b ) ( 1 ) Duty to Investigate Disputes Upon receiving a consumer dispute, the furnisher must conduct a reasonable investigation, correct or delete inaccurate information, and report the results. Zion Debt Holdings has not provided any proof of validation and continues to report inaccurate information. 
XXXX. FCRA 605B Blocking of Information Resulting from Identity Theft Once notified of identity theft, the furnisher and bureaus must block the fraudulent information from appearing on a credit report. Zion Debt Holdings is ignoring this provision and continuing to report false data. 



Fair Debt Collection Practices Act ( FDCPA ) : 1. FDCPA 809 ( 15 U.S.C. 1692g ) Validation of Debts Debt collectors are required to provide proper validation of a debt upon request. I have never received any documentation verifying that this debt is mine, despite disputing it. 
XXXX. FDCPA 807 ( 8 ) False or Misleading Representations Reporting or threatening to report a debt that is not owed is a false representation and constitutes deceptive practices under federal law.

3. FDCPA 807 ( 2 ) ( A ) Misrepresentation of Legal Status of Debt Zion Debt Holdings has misrepresented the character, amount, or legal status of this alleged debt by reporting it as valid without proof or verification. 



Notice of Intent to Sue : I have retained legal counsel and will pursue legal action in civil court if this matter is not resolved within XXXX calendar days of receipt of this notice. I will be seeking : Immediate deletion of the fraudulent account from all credit reporting agencies ( XXXX XXXX XXXX ) Statutory damages under FCRA and FDCPA Punitive damages for willful noncompliance Attorney fees and court costs Compensation for reputational and financial harm caused by this false reporting Resolution Demanded : Immediate deletion of the Zion Debt Holdings collection account associated with XXXX from all credit reporting bureaus Written confirmation that the debt has been permanently removed and will not be re-reported Cessation of all collection activity related to this account If Zion Debt Holdings fails to comply, I will proceed with a lawsuit and will also file formal complaints with the CFPB, FTC, and state attorney generals office.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation