Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : FORMAL DISPUTE REGARDING INACCURATE AND UNVERIFIABLE COLLECTION ACCOUNT ( S ) - DEMAND FOR REMOVAL UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) Dear XXXX Dispute Department, This letter serves as a formal dispute of inaccurate, incomplete, and/or unverifiable information appearing on my consumer credit report, Account Number [ Your Credit Bureau Account Number , if applicable, or report reference number ]. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

My identifying information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX I am disputing the following collection account that appear on my credit report to be deleted : Disputed Account 1 : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number XXXX XXXX Account XXXX Opened ( as reported ) : XXXX XXXX ( as reported ) : XXXX XXXXXXXXSpecific Reason for Dispute & Inaccuracy : '' I have no record of ever receiving validation or verification of this debt from the alleged creditor/collector, as required by law. This account is unsubstantiated and unverifiable. '' Disputed Account XXXX : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number XXXX  XXXX Account Number:XXXX Date Opened ( as reported ) : XX/XX/XXXX Balance ( as reported ) : {$2100.00} Specific Reason for Dispute & Inaccuracy : " I have no record of ever receiving validation or verification of this debt from the allegedcreditor/collector, as required by law. This account is unsubstantiated and unverifiable. '' Disputed Account XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number XXXX  XXXX Account Number:XXXX Date Opened ( as reported ) : XX/XX/XXXX Balance ( as reported ) : {$580.00} Specific Reason for Dispute & Inaccuracy : " I have no record of ever receiving validation or verification of this debt from the alleged creditor/collector, as required by law. This account is unsubstantiated and unverifiable. '' Under 15 U.S.C. 1681i ( Section 611 of the FCRA ), you are obligated to conduct a reasonable investigation into the accuracy of these items within 30 days of receiving this dispute. You must also forward all relevant information concerning this dispute to the furnisher ( s ) of this information ( [ Name of Collection Agency/Creditor ] in each instance ). The furnisher ( s ) must then conduct their own investigation, review all relevant information provided by you, and report the results back to you. 
If, after investigation, the information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted or corrected from my credit report. Furthermore, if the furnisher of this information determines that it is inaccurate or can not be verified, they are prohibited from reporting it to any consumer reporting agency ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

I demand that you : 1. Initiate a complete and thorough investigation into the accuracy and verifiability of the aforementioned collection account ( s ).

2. Contact the furnisher ( s ) of this information and require them to verify the accuracy of the disputed information, including the specific details I have challenged, with competent evidence.

3. Upon finding that the information is inaccurate, incomplete, or can not be verified, immediately delete these inaccurate collection accounts from my credit file.

4. Provide me with the results of your investigation, including a revised copy of my credit report, within the statutory timeframe.

Be advised that under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if an item is deleted due to a dispute and is later reinserted, you must notify me in writing within five business days of the reinsertion and provide me with a certification from the furnisher that the information is complete and accurate. I reserve all my rights under the FCRA, including the right to sue for damages and attorney 's fees if these violations are not corrected. 
Enclosed are copies of the following documents to help identify me and support my dispute : Copy of My Driver 's License/State ID Copy of My Social Security Card Copy of My Credit Report ( with disputed items highlighted ) I expect a prompt response and resolution to this matter. Thank you for your attention to this serious issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation