Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint against CREDIT CORP SOLUTIONS INC for what I believe are fraudulent collection practices and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have attached relevant documents, including my Experian credit report and a debt validation letter from CREDIT CORP SOLUTIONS INC, for your review. 

Background of the Debt and Discrepancies : The debt in question originates from a XXXX XXXX XXXX account ( Account Number : XXXX, as per XXXX  report, oXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as per validation letter ). My XXXX  report, dated XX/XX/XXXX, indicates this account is " 100 % paid off '' with a " {$0.00} '' balance. However, CREDIT CORP SOLUTIONS INC, in their debt validation letter dated XX/XX/XXXX, claims I owe {$6500.00} for this same account, stating it was charged off on XX/XX/XXXX, and subsequently sold to them on XX/XX/XXXX. 

This discrepancy is highly concerning. My XXXX  report explicitly states the account is paid off, yet CREDIT CORP SOLUTIONS INC is actively attempting to collect a substantial amount on it. Furthermore, the XXXX  report shows the account was " Charged off. {$5800.00} written off. '' in XX/XX/XXXX, and then " Company sold : CREDIT CORP SOLUTIONS INC. '' This directly contradicts the " 100 % paid off '' status also reported by XXXX. 

Violations of the Fair Credit Reporting Act ( FCRA ) : I believe CREDIT CORP SOLUTIONS INC and potentially the consumer reporting agency have violated several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i - Procedure in case of disputed accuracy : My XXXX  report, a consumer report, contains information that is demonstrably inaccurate ( showing both " paid off '' and " charged off '' for the same account, and a {$0.00} balance while a debt collector claims a significant outstanding balance ). This indicates a failure by the consumer reporting agency to ensure " maximum possible accuracy '' as required by 15 U.S.C. 1681e ( b ) and a failure to properly reinvestigate disputed information. The " Comments '' section on my XXXX  report even states " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), '' confirming that a dispute was initiated. Despite this, the conflicting information persists.

15 U.S.C. 1681s-2 ( a ) - Duty of Furnishers of Information to Provide Accurate Information : If CREDIT CORP SOLUTIONS INC is furnishing information to consumer reporting agencies, and they are attempting to collect a debt that is reported as " paid off '' on my credit report, they may be furnishing inaccurate information. Specifically, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing information if the person " knows or has reasonable cause to believe that the information is inaccurate. '' The discrepancy between the " paid off '' status on my XXXX  report and their collection efforts suggests either inaccurate furnishing or an attempt to collect on a debt that is not legitimately owed.

15 U.S.C. 1681s-2 ( b ) - Duties of Furnishers of Information upon Notice of Dispute : Given that my XXXX XXXX report indicates the account information was " disputed by consumer, '' CREDIT CORP SOLUTIONS INC , as the alleged owner of the debt, should have conducted an investigation and reported the results to the consumer reporting agency. The continued reporting of conflicting information suggests a failure to comply with their duties as a furnisher. 

Additional Concerns : Furthermore, despite the account being reported as " charged off '' and " paid off '' on my XXXX  credit report, CREDIT CORP SOLUTIONS INC has refused to provide me with a XXXX form ( Cancellation of Debt ). This refusal, in light of the conflicting account status, adds to the concerns regarding the accuracy and legitimacy of their debt collection practices and may have tax implications.

Requested Action : I request that the Federal Trade Commission investigate CREDIT CORP SOLUTIONS INC 's collection practices and their reporting of this debt to consumer reporting agencies. I seek : A thorough investigation into the accuracy of the information being reported on my credit file concerning this XXXX XXXX XXXX account. 

Action to ensure that CREDIT CORP SOLUTIONS INC ceases any collection activities on this debt if it is found to be fraudulently collected or inaccurately reported as paid off. 

Enforcement actions against CREDIT CORP SOLUTIONS INC for any violations of the Fair Credit Reporting Act, and to address their refusal to provide the XXXX form given the reported status of the debt. 

I am available to provide any further information or documentation required for this investigation. Thank you for your time and attention to this critical matter.

Company response to consumer: Closed with explanation