Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Capital Management, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for what I believe to be unlawful and unauthorized reporting of a debt to the credit bureaus. I have no record of ever entering into a written contract or agreement with this company. Therefore, their actions not only misrepresent my creditworthiness but also appear to be in direct violation of my rights under federal law. 

Background : Recently, I reviewed my credit report and discovered that XXXX XXXX XXXX is reporting a collection account under my name. I dispute the validity of this alleged debt and assert that I have not received any documentation verifying its legitimacy, including the original creditor, the date of alleged default, and any contract bearing my signature. 

To date, XXXX XXXX XXXX has failed to comply with the requirements outlined under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Legal Violations : FDCPA Violation 15 U.S.C. 1692g ( b ) I have the legal right to dispute a debt and request validation. XXXX XXXX XXXX has failed to provide adequate written verification of the debt, including the name and address of the original creditor, the total amount owed, and evidence that I am legally obligated to pay this alleged debt. 
FCRA Violation 15 U.S.C. 1681s-2 ( a ) This statute prohibits a furnisher of information from reporting inaccurate information to a consumer reporting agency. XXXX XXXX XXXX has reported information about a debt without verifying its accuracy or my responsibility for it. 
FCRA Violation 15 U.S.C. 1681s-2 ( b ) Upon notice of a dispute, a data furnisher is legally required to investigate the disputed information, correct it if inaccurate, and notify all consumer reporting agencies. No such investigation or correction has taken place to my knowledge. 
Formal Request for Verification and Resolution : I demand that XXXX XXXX XXXX immediately : Provide full validation of the debt, including : The name and address of the original creditor A detailed accounting of the alleged debt A copy of the original signed contract or agreement Proof that they have legal authority to collect on this debt Cease and desist all collection activity and communication until proper validation is provided. 
Remove the derogatory item from all credit bureaus ( Experian, TransUnion, and Equifax ) within XXXX business days if they can not provide sufficient documentation. 
Notice of Intent to Take Legal Action : If XXXX XXXX XXXX fails to comply with these requests and continues to report or collect on this account without proper validation, I will pursue legal action against them for : Violations of the FDCPA Violations of the FCRA Defamation and damage to my credit profile I also request that the CFPB investigate this matter thoroughly and take appropriate enforcement actions against XXXX XXXX XXXX to protect consumers from improper and potentially predatory practices.

Company response to consumer: Untimely response