Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding Accounts Receivable, a thirdparty debt collector located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with Account No. XXXX, allegedly owed to XXXX XXXX XXXX XXXX XXXX. Background and Timely Dispute On XX/XX/year>, I sent Accounts Receivable a written dispute and request for validation pursuant to 15 U.S.C. 1692g ( b ). This correspondence was received by their office on XX/XX/year>, as confirmed by USPS delivery records. Under the FDCPA, once a consumer disputes a debt in writing, all collection activity must cease until proper validation is provided. Continued Collection Activity After Dispute Despite confirmed receipt of my dispute, Accounts Receivable continued collection activity : On XX/XX/year>, Accounts Receivable sent me emails demanding payment and referencing potential creditrelated consequences, while validation remained outstanding. On XX/XX/year>, I sent a formal Notice of FDCPA Violations and Demand to Cease All Collection Activity. That notice was received on XX/XX/year>, signed by an individual identified as XXXX XXXX, per XXXX delivery confirmation. Mixed / Misdirected Consumer File While my disputed account remained unresolved, I received an additional written collection letter from Accounts Receivable sent to my home address that : Named a different individual ( not me ), Referenced a different creditor and account, and Alleged a different debt and balance. I have no connection to that account or individual. This indicates an improperly mixed or misattributed consumer file, raising concerns about false or misleading representations and inaccurate recordkeeping. XX/XX/year> Collection Letter ( PostCease Demand ) On XX/XX/year>, Accounts Receivable sent me a letter stating that the balance on my disputed account remains due, inviting payment, and providing payment instructions. The letter explicitly states : This is an attempt to collect a debt. This letter : Was sent after my timely written dispute, Was sent after my written ceasecollection demand, Did not provide full validation of the debt, Continued to assert the debt was owed and requested payment. In the same letter, Accounts Receivable attempted to dismiss the misdirected collection letter sent to my address as unrelated, without confirming any corrective action or segregation of my records. Ongoing Violations Accounts Receivables actions constitute : Continued collection activity during an active validation period ( 15 U.S.C. 1692g ( b ) ), Disregard of a written ceasecommunication demand ( 15 U.S.C. 1692c ( c ) ), False, misleading, or deceptive practices arising from a mixed consumer file ( 15 U.S.C. 1692e ). All relevant correspondence, proof of delivery, emails, and collection letters are attached. Requested Resolution I respectfully request that the CFPB : Require Accounts Receivable to cease all collection activity on this account unless and until lawful validation is provided ; Require written confirmation that my address has been removed from any unrelated or thirdparty accounts ; Require confirmation that no credit reporting has occurred, or correction if it has ; Review Accounts Receivables compliance practices regarding disputed accounts and consumer file accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation