Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX | XXXX, FL XXXX | | XX/XX/XXXX VIA CFPB CONSUMER COMPLAINT PORTAL CONSTITUTING LEGALLY OPERATIVE, GOVERNMENT-TIMESTAMPED NOTICE TO ALL NAMED PARTIES PRIMARY ADDRESSEE : Consumer Financial Protection Bureau 1700 G Street, NW, Washington, DC 20552 COPIES TO EACH RECEIVING THIS AS FORMAL LEGAL NOTICE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX | P.O. XXXX XXXX, XXXX, GA XXXX XXXX XXXX | P.O. XXXX XXXX, XXXX, PA XXXX Harris & Harris , Ltd. | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX RE : FORMAL LEGAL DISPUTE, CEASE AND DESIST, DEBT VALIDATION DEMAND, AND DEMAND FOR IMMEDIATE DELETION HARRIS & HARRIS , LTD. / XXXX XXXX ( ACCT. NO. ON FILE, {$140.00} ) TWO INDEPENDENT LEGAL MANDATES REQUIRE IMMEDIATE REMOVAL FROM ALL CREDIT REPORTS : ( 1 ) UNANSWERED DEBT VALIDATION DEMAND MANDATING CESSATION OF ALL REPORTING ; AND ( 2 ) IDENTITY THEFT REPORT MANDATING FOUR-BUSINESS-DAY BLOCK CONTINUED REPORTING CONSTITUTES WILLFUL VIOLATION OF FEDERAL LAW FTC IDENTITY THEFT REPORT TO THE CONSUMER FINANCIAL PROTECTION BUREAU AND ALL NAMED PARTIES : I. PURPOSE AND OVERVIEW I, XXXX XXXX, a confirmed identity theft victim whose personal information was exposed in the XXXX data breach, submit this formal legal dispute, cease and desist, and demand for immediate deletion of a fraudulent collection account reported by Harris & Harris , Ltd. on behalf of alleged original creditor XXXX XXXX, in the amount of {$140.00}. I have never at any time, under any circumstances entered into any contract, agreement, account, or financial relationship of any kind with Harris & Harris , Ltd. or XXXX XXXX. I have never received services from XXXX XXXX. I have never authorized any account to be opened in my name with XXXX XXXX or any of its subsidiaries or affiliated brands. This account does not belong to me. It is fraudulent, and it is the direct product of the identity theft I have suffered as a result of the XXXX data breach. There are two separate, independent, and absolute legal grounds each standing alone that mandate the immediate removal of the Harris & Harris , Ltd. XXXX XXXX XXXX account ( {$140.00} ) from my credit reports at XXXX, XXXX, and XXXX. Either ground alone is sufficient to compel immediate deletion. Together, they make continued reporting an egregious and willful violation of federal consumer protection law. GROUND ONE : I formally demanded validation of this debt. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, and as confirmed by binding CFPB authority, that demand mandated the IMMEDIATE cessation of ALL collection activity by Harris & Harris , Ltd. including all credit reporting to every consumer reporting agency until complete, verified validation is received by me. No validation has been received. This account must be removed now and must remain removed until each and every required validation document has been mailed to me and physically received. GROUND TWO : I submitted an FTC Identity Theft Report. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, XXXX, XXXX, and XXXX are each required to BLOCK this account within FOUR ( 4 ) BUSINESS DAYS of receiving that report. All four statutory elements have been satisfied. The bureaus must block and delete this account immediately. II. BACKGROUND : IDENTITY THEFT AND XXXX DATA BREACH My personal identifying information was officially confirmed as compromised in the XXXX data breach one of the largest data breaches in United States history, affecting approximately 147 million Americans. The XXXX Breach Settlement has confirmed in writing that my personal information was affected by this incident ( XXXX Assisted Restoration Engagement No. XXXX ). This is documented fact, supported by official records, not a mere allegation. Since the breach, I have been subjected to sustained, pervasive identity theft. Fraudulent accounts including bank accounts, credit cards, leases, and utility accounts have been opened in my name without my knowledge, authorization, or consent. My mail has been diverted to addresses that are not mine. The Harris & Harris , Ltd. / XXXX XXXX account ( {$140.00} ) is a product of this identity theft. The individual or individuals who compromised my information through the XXXX breach used my personal identifying information to open or incur charges on a XXXX XXXX account without my knowledge or consent. I am prepared to cooperate fully with law enforcement to prosecute the individuals responsible to the fullest extent of federal and Florida law, including under 18 U.S.C. 1028A ( Aggravated Identity Theft mandatory minimum 2-year federal sentence ) and XXXX XXXX XXXX XXXX ( Florida Identity Theft third-degree to first-degree felony ). I filed an FTC Identity Theft Report with the Federal Trade Commission, documenting the ongoing identity theft I have suffered. I am submitting this formal dispute and validation demand through the CFPB 's official consumer complaint portal, which constitutes legally operative, government-timestamped written notice to Harris & Harris , Ltd. and all named consumer reporting agencies as of the date of this submission. Both the debt validation demand and the identity theft block obligation are triggered as of that date. III. GROUND ONE : THE DEBT VALIDATION DEMAND MANDATORY AND IMMEDIATE REMOVAL OF THIS ACCOUNT FROM ALL CREDIT REPORTS UNTIL VALIDATION IS RECEIVED A. The Statute : 15 U.S.C. 1692g Fair Debt Collection Practices Act I hereby formally demand, in writing, complete validation of this alleged debt. This demand is submitted through the CFPB 's official portal, constituting documented, government-timestamped written notice to Harris & Harris , Ltd . The legal consequences of this demand are immediate, mandatory, and non-negotiable under federal law. The Fair Debt Collection Practices Act, 15 U.S.C. 1692g, provides : 15 U.S.C. 1692g ( b ) Disputed Debts : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' The operative word in this statute is SHALL. 'Shall ' is mandatory and non-discretionary under established principles of statutory construction. There is no exception, no grace period, and no alternative compliance path. The moment Harris & Harris , Ltd. receives this written validation demand, it is legally required to IMMEDIATELY cease all collection of this alleged debt without exception until it mails proper, complete validation to me and I physically receive it at my address. This mail must be sent by trackable mail as collection agencies have a habit of lying when asked for documents to substantiate their claim. This also provides legal protection for the collection agency should the matter end up in court. B. The CFPB Has Ruled : Credit Reporting IS Collection Activity All Reporting Must Cease Immediately Upon Receipt of This Demand Harris & Harris , Ltd. can not escape the mandate of 1692g ( b ) by continuing to report this account to consumer reporting agencies while this validation demand is pending. The CFPB has directly, repeatedly, and unambiguously ruled that credit reporting to a consumer reporting agency is a form of collection activity subject to the FDCPA including the mandatory cessation requirement of 1692g ( b ). This position is established by three binding and independent CFPB authorities : CFPB Authority # 1 CFPB Bulletin XXXX ( XX/XX/XXXX ) : CFPB Bulletin XXXX : The CFPB explicitly determined that furnishing information to a consumer reporting agency in connection with a debt IS a form of collection activity subject to the full requirements of the FDCPA including the mandatory debt validation cessation requirement of 1692g ( b ). The Bureau stated directly : " Reporting a debt to a consumer reporting agency can be a powerful tool to collect a debt ... [ it ] is a communication in connection with the collection of a debt. '' CFPB Authority # 2 CFPB Supervision and Examination Manual, Debt Collection Procedures : CFPB Examination Procedures, Debt Collection : The CFPB 's own examination procedures which govern the Bureau 's supervision of debt XXXXollectors including Harris & Harris , Ltd. confirm that credit reporting is a " communication in connection with the collection of a debt '' and that the cessation of credit reporting is required upon a consumer 's written validation demand under 1692g ( b ). These procedures are not advisory. They define the standard of conduct the CFPB applies when examining debt collectors for compliance. CFPB Authority # 3 CFPB Regulation F, 12 C.F.R. Part 1006 ( Effective XX/XX/XXXX ) : 12 C.F.R. 1006.30 ( a ) : " A debt collector must not collect, or attempt to collect, a debt when the debt collector knows or should know that the consumer is a victim of identity theft, fraud, or a similar crime with respect to the debt being collected. '' 12 C.F.R. Part 1006 generally : CFPB Regulation F the binding federal regulation implementing and updating the FDCPA codified that reporting a debt to a consumer reporting agency constitutes a debt collection communication. Accordingly, under 1692g ( b ) as implemented through Regulation F, the mandatory cessation of all collection activity upon receipt of a written validation demand expressly and unambiguously includes the immediate cessation of all credit reporting to XXXX, XXXX, XXXX, and any other consumer reporting agency. The conclusion from these three CFPB authorities is inescapable : upon receipt of this written validation demand, Harris & Harris , Ltd. is legally required to immediately stop reporting this account to XXXX, XXXX, XXXX, and every other consumer reporting agency. That obligation arises the moment this demand is received. It will not be satisfied until Harris & Harris , Ltd. mails me via trackable mail every required validation document listed below, and I physically receive each of them. THE LAW IS CLEAR : UPON RECEIPT OF THIS LETTER, HARRIS & HARRIS , LTD. MUST IMMEDIATELY CEASE ALL CREDIT REPORTING OF THE XXXX XXXX ACCOUNT ( {$140.00} ) TO XXXX , XXXX , XXXX , AND ALL OTHER CONSUMER REPORTING AGENCIES. THIS ACCOUNT MUST BE REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND MUST REMAIN REMOVED UNTIL COMPLETE DEBT VALIDATION HAS BEEN MAILED TO AND PHYSICALLY RECEIVED BY ME. THIS IS NOT A REQUEST. THIS IS THE LAW. C. Complete and Exhaustive List of Required Debt Validation Documents Harris & Harris , Ltd. has not provided any validation of this alleged debt whatsoever. The following is the complete and exhaustive list of documents that Harris & Harris , Ltd. must provide before it may lawfully resume any credit reporting or collection activity on this alleged account. Every single item below is required. Partial validation is not sufficient. The production of some documents but not all does not satisfy the validation requirement and does not permit the resumption of any credit reporting. Complete Purchase or Assignment Agreement : 1. The full, unredacted legal agreement demonstrating that Harris & Harris , Ltd. purchased or was assigned this specific alleged debt from XXXX XXXX and thereby acquired the legal standing and authority to collect and report it. Without this document, Harris & Harris , Ltd. has no demonstrated legal authority whatsoever to collect, report, or communicate about this debt to any person or entity. A printout, a computer-generated summary, or Harris & Harris , Ltd. 's own assertion of ownership is legally insufficient. The actual contractual agreement signed by authorized representatives of both Harris & Harris , LtdXXXX and XXXX XXXX is required. Authority : 15 U.S.C. 1692g ; CFPB Regulation F 12 C.F.R. Part 1006 ; 15 U.S.C. 1692e ( prohibition on false representations as to legal status of debt ). Original Signed Contract or Account Agreement : 2. The original signed contract or account agreement between XXXX XXXX and the alleged account holder, bearing my actual, original, wet-ink signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX This document must demonstrate that I personally and voluntarily entered into a contractual obligation with XXXX XXXX. A computer-generated account summary, a printout of internal account records, a billing statement, or any document generated by Harris & Harris , Ltd. or XXXX XXXX without my signature is not a contract and is legally insufficient to validate this debt. I assert unequivocally that no such signed document exists, because I never opened any account with XXXX XXXX. Authority : 15 U.S.C. 1692g ( b ) ; FTC Staff Commentary on the FDCPA. Complete Itemized Payment and Charge History : 3. A full and complete payment and charge history of the alleged account from inception to present, showing : the original account opening date ; every charge applied to the account ; every payment made ; every fee, penalty, or interest charge added ; and the precise mathematical calculation demonstrating how the claimed balance of {$140.00} was derived. Harris & Harris XXXX Ltd. may not report any amount on my credit report that is not supported and verifiable through this documented history. Authority : 15 U.S.C. 1692g ; 15 U.S.C. 1692e ( 2 ) ( A ) ( prohibition on false representation of the amount of a debt ). Full Legal Name and Address of the Original Creditor : 4. The full legal name and current address of the original creditor XXXX XXXX as expressly required by 15 U.S.C. 1692g ( a ) ( 5 ). This is a non-negotiable statutory requirement. Proof the Alleged Debt Is Within Florida 's Statute of Limitations : 5. Documented proof that this alleged debt is within the applicable statute of limitations for the commencement of a legal action to collect consumer debt in the State of Florida. Under Fla. Stat. 95.11 ( 2 ) ( b ), written contract claims are subject to a five-year statute of limitations ; oral contract claims to a four-year limit. A time-barred debt that can not legally be enforced in a Florida court of law can not be collected or reported as a valid, enforceable obligation. Reporting a time-barred debt as collectible is a false representation of its legal status in violation of 15 U.S.C. 1692e. Authority : Fla. Stat. 95.11 ; FDCPA 1692e ; CFPB Bulletin XXXX. Proof That Harris & Harris , Ltd. Is Licensed and Bonded to Collect Debts in Florida : 6. Documented proof that Harris & Harris , Ltd. holds a current, valid, and active license and the required surety bond to collect consumer debts in the State of Florida, as required by Florida law. An unlicensed debt collector has no legal authority to collect debts or report accounts in Florida, and any attempt to do so is itself a violation of Florida law. Authority : Fla. Stat. 559.553 ; Florida Consumer Collection Practices Act. I would also like to be informed of the location where and when I allegedly used services from XXXX XXXX Services Every one of the above documents must be sent exclusively via Certified Mail with Return Receipt Requested or an equivalent trackable delivery service that provides : ( a ) documented proof of the date of mailing by Harris & Harris , Ltd. ; and ( b ) documented proof of the date of delivery to and receipt by me at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. I specifically require trackable mail delivery for the following reasons : ( 1 ) to create an unambiguous legal record of the date on which any validation documents are mailed ; ( 2 ) to create an unambiguous legal record of whether and when I receive any documents, preventing any false claim of delivery ; ( 3 ) to prevent deceptive or fraudulent representations regarding the mailing or receipt of validation ; and ( 4 ) to preserve a complete, court-admissible evidentiary record for any subsequent legal proceedings. Electronic transmission, email, phone calls, portal messages, or any other non-trackable form of communication does not satisfy this requirement and will not be accepted as evidence of compliance. IF HARRIS & HARRIS , LTD . CAN NOT PRODUCE EVERY ONE OF THE ABOVE DOCUMENTS IN THE MANNER SPECIFIED, THEN THIS DEBT IS UNVALIDATED. AN UNVALIDATED DEBT CAN NOT LAWFULLY BE LISTED, REPORTED, OR MAINTAINED ON ANY CONSUMER CREDIT REPORT. THE HARRIS & HARRIS , LTD. / XXXX COMMUNICATIONS ACCOUNT ( {$140.00} ) MUST BE PERMANENTLY AND IMMEDIATELY DELETED FROM MY XXXX, XXXX, AND XXXX CREDIT REPORTS WITHOUT CONDITION AND WITHOUT DELAY. D. Legal Consequences of Continued Reporting Without Validation Every day that Harris & Harris , Ltd. continues to report this account to XXXX, XXXX, or XXXX after receipt of this validation demand without first mailing complete validation to me and confirming my physical receipt constitutes an independent willful violation of 15 U.S.C. 1692g ( b ). Under 15 U.S.C. 1692k ( a ), Harris & Harris , Ltd. is liable for : Statutory damages of up to {$1000.00} per violation ; All actual damages sustained by the consumer as a result of the violation ; Costs of the action and reasonable attorney 's fees. Reporting to three separate bureaus constitutes three separate violations per reporting cycle. Every reporting cycle is an additional set of violations. The damages are compounding every single day this account remains on my credit reports. IV. GROUND TWO : THE IDENTITY THEFT REPORT MANDATORY FOUR-BUSINESS-DAY BLOCK BY ALL CONSUMER REPORTING AGENCIES A. The Statute : 15 U.S.C. 1681c-2 Fair Credit Reporting Act Simultaneously with this validation demand, I hereby provide all four elements required to trigger the mandatory block obligation under the Fair Credit Reporting Act. The law states : 15 U.S.C. 1681c-2 ( a ) Block of Information Resulting From Identity Theft : " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' All four statutory elements are hereby satisfied and provided as follows : ( 1 ) Proof of identity provided through my CFPB portal submission, including identifying information confirming I am XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ; ( XXXX ) FTC Identity Theft Report attached to and incorporated into this complaint ; ( 3 ) Identification of the fraudulent information I specifically identify the Harris & Harris , Ltd. / XXXX XXXX account, {$140.00}, as information resulting from identity theft ; and ( 4 ) My sworn statement, made under penalty of perjury, that the Harris & Harris , Ltd. / XXXX XXXX account ( {$140.00} ) does not relate to any transaction by me. I have never had any account, agreement, contract, or financial relationship with XXXX XXXX or Harris & Harris , Ltd . All four statutory elements are satisfied as of the date of this submission. XXXX, XXXX, and XXXX are each legally required to block and delete the Harris & Harris , Ltd. / XXXX XXXX account from my credit file within FOUR ( 4 ) BUSINESS DAYS of receipt of this letter. This is a mandatory, non-discretionary statutory obligation. The word 'shall ' in 1681c-2 ( a ) admits no exceptions. B. The Block Must Result in Complete Deletion Not a Notation or Flag 15 U.S.C. 1681c-2 ( b ) Notification : Upon blocking information under subsection ( a ), the consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 3 ) that the information has been blocked. 15 U.S.C. 1681c-2 ( c ) Authority to Decline or Rescind : A consumer reporting agency may decline to block, or may rescind any block, only under specifically enumerated, limited circumstances if the agency has reasonable cause to believe the consumer obtained the block through fraud, if the consumer agrees the information was blocked in error, or if the information was not obtained as a result of identity theft. None of these circumstances exist here. My confirmed XXXX breach exposure and FTC Identity Theft Report provide documented proof that this account is the product of identity theft. The block required by 1681c-2 is not a temporary notation or a dispute flag in my file. It is an affirmative, mandatory legal obligation to stop reporting this information entirely to remove it completely from my consumer file such that it can not be seen by, transmitted to, or accessed by any creditor, employer, insurer, or other person who reviews my credit report. Any response short of complete removal and permanent blocking is noncompliance with the statute and constitutes a willful violation. C. Legal Consequences of Failure to Block Under 15 U.S.C. 1681n Civil Liability for Willful Noncompliance any consumer reporting agency that willfully fails to comply with any requirement of the FCRA is liable to the consumer for : Statutory damages of not less than {$100.00} and not more than {$1000.00} per violation ; Punitive damages as the court may allow ; and Costs of the action and reasonable attorney 's fees. Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance even negligent failure to comply with the FCRA results in liability for actual damages plus attorney 's fees and court costs. Every day that XXXX, XXXX, or XXXX fails to block the Harris & Harris XXXX Ltd. / XXXX XXXX account after receiving this letter is a separate, additional, and independent willful violation of 15 U.S.C. 1681c-2. V. ADDITIONAL VIOLATIONS : FCRA FURNISHER DUTIES AND XXXX XXXX STANDARDS In addition to the two primary grounds for mandatory deletion, Harris & Harris , Ltd. 's reporting of this account violates its independent duties as a furnisher under the FCRA and the XXXX XXXX Credit Reporting Standards : FCRA 1681s-2 ( b ) Furnisher Duties Upon Notice of Dispute 15 U.S.C. 1681s-2 ( b ) : Upon receipt of notice of a consumer dispute from a consumer reporting agency, a furnisher must : ( 1 ) conduct a reasonable investigation with respect to the disputed information ; ( 2 ) review all relevant information provided by the consumer reporting agency ; ( 3 ) report the results of the investigation to the consumer reporting agency ; and ( 4 ) if the information is found to be inaccurate or incomplete or can not be verified, modify, delete, or permanently block the reporting of that item of information. Harris & Harris , Ltd. has been placed on notice through the CFPB 's official portal that I dispute this account in its entirety as fraudulent, identity-theft-derived debt that does not belong to me. Harris & Harris , Ltd. is required to investigate and, given that the underlying account was never authorized by me and is not supported by a signed contract, to delete and permanently block the reporting of this account. Continued reporting without a valid investigation and without the ability to produce a signed contract bearing my signature is a willful violation of FCRA 1681s-2 ( b ). XXXX XXXX Credit Reporting Standards Violations Harris & Harris , Ltd. 's continued reporting also violates the XXXX XXXX Format for Credit Reporting the CDIA-established industry standard adopted as a binding condition of all furnisher data agreements with XXXX, XXXX, and XXXX, and required under CFPB Regulation V, 12 C.F.R. 1022.42. The following XXXX XXXX violations apply : Failure to apply Compliance Condition Code 'XB ' ( Account In Dispute Under Investigation ) : Upon receipt of this dispute, Harris & Harris XXXX Ltd. is required to immediately update all XXXX XXXX data submissions to all three bureaus to reflect Code 'XB. ' Failure to do so misrepresents this account as an undisputed, verified debt a false representation embedded in the raw credit data furnished to all three bureaus. Failure to apply the Identity Theft Consumer Information Indicator : Upon receiving notice that this account is the product of identity theft, Harris & Harris , Ltd. is required under XXXX XXXX to apply the appropriate identity theft flag in the Consumer Information Indicator field of its data submissions. Failure to do so causes inaccurate, misleading data to be transmitted to and stored at all three consumer reporting agencies. Reporting an Account Status Code Without Legal Authority : Without a valid signed contract and without demonstrated chain of title to this alleged debt, Harris & Harris XXXX Ltd. can not lawfully assign any XXXX XXXX account status code representing this as a valid, collectible obligation. Any such reporting is a XXXX XXXX data integrity violation and a simultaneous violation of FCRA 1681s-2 and CFPB Regulation V. VI. FLORIDA STATE LAW VIOLATIONS Harris & Harris , Ltd. 's conduct constitutes independent violations of Florida state law, which provide additional, cumulative, and concurrent remedies : Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.55559.785 : Under Fla. Stat. 559.72, no person shall collect or attempt to collect any consumer debt by fraudulent, deceptive, or misleading representations, or by any means that would be unlawful under the FDCPA. Continuing to report a fraudulent, unvalidated account for which no signed contract exists to three consumer reporting agencies constitutes an attempt to collect that debt under Florida law. Under Fla. Stat. 559.77, each violation carries statutory damages of up to {$1000.00}, actual damages, and mandatory attorney 's fees. Each bureau, each reporting cycle, may constitute a separate violation. Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Fla. Stat. 501.201501.213 : Harris & Harris , Ltd. 's attempt to collect a fraudulent, unvalidated, identity-theft-derived debt through credit reporting to three consumer reporting agencies constitutes an unfair and deceptive trade practice under Florida law, entitling me to declaratory judgment, injunctive relief, actual damages, and attorney 's fees under Fla. Stat. 501.211 and 501.2105. VII. CONSOLIDATED VIOLATIONS AND DAMAGES SCHEDULE The following independent violations are current and ongoing. Each day of continued reporting may constitute a separate, additional violation. Each bureau reported to may constitute a separate violation : 1. FDCPA 1692g ( b ) Harris & Harris , Ltd. : Continued credit reporting without validating debt after written demand, per CFPB Bulletin XXXX and Regulation FXXXX Up to {$1000.00} per violation + actual damages + attorney 's fees. [ 15 U.S.C. 1692k ] 2. FDCPA 1692e Harris & Harris , Ltd. : False and misleading representation of a fraudulent, unvalidated debt as a valid, collectible obligation. Up to {$1000.00} per violation + actual damages. [ 15 U.S.C. 1692k ] 3. FDCPA 1692f Harris & Harris , Ltd. : Unfair and unconscionable collection practice reporting a debt not owed. Up to {$1000.00} per violation + actual damages. [ 15 U.S.C. 1692k ] 4. CFPB Regulation F 1006.30 ( a XXXX Harris & Harris , Ltd. : Collecting from a known identity theft victim. Subject to CFPB enforcement action. 5. FCRA 1681c-2 XXXX, XXXX, XXXX : Failure to block within 4 business days of receipt of identity theft report and all required elements. {$100.00} {$1000.00} per willful violation + punitive damages + attorney 's fees. [ 15 U.S.C. 1681n ] 6. FCRA 1681s-2 ( b ) Harris & Harris , Ltd. : Failure to conduct reasonable investigation and delete unverifiable, fraudulent information. {$100.00} {$1000.00} per willful violation + punitive damages + attorney 's fees. [ 15 U.S.C. 1681n ] 7. CFPB Regulation V 1022.42 Harris & Harris , Ltd. : Failure to maintain XXXX XXXXcompliant accuracy and integrity policies. Subject to CFPB enforcement + FCRA 1681n damages. 8. XXXX XXXX Violations ( Code XB, Identity Theft Indicator, Account Status ) each constitutes a simultaneous FCRA 1681s-2 violation reportable per bureau per cycle. 9. Florida FCCPA, Fla. Stat. 559.77 : {$1000.00} per violation + actual damages + mandatory attorney 's fees. 10. Florida FDUTPA, Fla. Stat. 501.211 : Declaratory judgment, injunctive relief, actual damages + attorney 's fees. VIII. FORMAL DEMANDS From Harris & Harris , Ltd . Required Immediately Upon Receipt : 1. IMMEDIATELY cease all reporting of the XXXX XXXX account ( {$140.00} ) to XXXX, XXXX, XXXX, and every other consumer reporting agency, as required by 15 U.S.C. 1692g ( b ) and CFPB Bulletin XXXX and Regulation F ; 2. Send complete debt validation every document listed in Section III.C of this letter exclusively via Certified Mail with Return Receipt Requested ( trackable delivery ) to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ; 3. Immediately update all XXXX XXXX data submissions to XXXX, XXXX, and XXXX to apply Compliance Condition Code 'XB ' and the identity theft Consumer Information Indicator ; and 4. Send written confirmation via Certified Mail that this account has been deleted from all three credit bureaus. From XXXX, XXXX, and XXXX Required Within Four Business Days : 1. IMMEDIATELY block and permanently delete the Harris & Harris , Ltd. / XXXX XXXX account ( {$140.00} ) from my credit file as required by 15 U.S.C. 1681c-2 ; 2. Notify Harris & Harris , Ltd. pursuant to 15 U.S.C. 1681c-2 ( b ) that the information has been blocked ; and 3. Send written confirmation of the block and permanent deletion via Certified Mail to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. From the CFPB Immediate Regulatory Action Requested : 1. Open a formal enforcement investigation into Harris & Harris , Ltd. for willful violations of FDCPA 1692g ( b ), FCRA 1681s-2, CFPB Regulation F, CFPB Regulation V, and XXXX XXXX standards ; 2. Open a formal investigation into XXXX, XXXX, and XXXX for failure to comply with the mandatory block requirements of FCRA 1681c-2 ; and 3. Pursue all available civil monetary penalties and enforcement remedies against the violating parties. FINAL WARNING TO HARRIS & HARRIS , LTD., XXXX, XXXX, AND XXXX If the Harris & Harris , Ltd. / XXXX XXXX account ( {$140.00} ) is not deleted from my credit reports at XXXX, XXXX and XXXX within five ( 5 ) calendar days of receipt of this letter, and if Harris & Harris , Ltd. does not provide complete, certified-mail debt validation within the same period, I will without further notice file suit in the United States District Court for the Middle District of Florida asserting all available claims under the FCRA, FDCPA, CFPB Regulation F, CFPB Regulation V, Florida FCCPA , and Florida FDUTPA , seeking the maximum available statutory damages, actual damages, punitive damages, and attorney 's fees and court costs. I will simultaneously file formal complaints w

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief