Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTIONS USA, INC.
State: SC

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Credit Reporting & CFPB Violation To Whom It May Concern, I am writing to formally dispute the negative item your company has reported on my credit report, which is severely impacting my ability to secure credit and obtain a home for my family. Your actions violate multiple consumer protection laws, and I demand that you immediately cease reporting this debt. 

Failure to Provide Proper Notification & Assumption of Validity Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX  a debt collector must provide written notice of the alleged debt within five days of initial communication, including a statement that the debt will be assumed valid unless disputed. Your company failed to notify me of this debt, depriving me of my right to dispute its validity, making your reporting unlawful. 

Furthermore, the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) explicitly states that furnishers of information must not report information to credit bureaus if they have reasonable cause to believe it is inaccurate. Since I was never notified of the debt, nor did I acknowledge or assume its validity, your company has no lawful basis to report it. 

Violation of a Previous CFPB Complaint Resolution I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this inaccurate and unverifiable debt. In response, your company confirmed that the item would be removed from my credit report. However, this removal never took place, constituting a direct violation of the CFPBs oversight and your agreement. 

By failing to honor your own statement, you are in willful violation of the FCRA under XXXX XXXX. XXXX, which holds furnishers liable for knowingly reporting inaccurate information. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX affirms that furnishers who fail to correct inaccurate information after being notified are in violation of the FCRA. Your continued reporting of this item, despite your prior statement, demonstrates reckless disregard for federal law. 

Demand for Immediate Action I demand that your company take the following actions immediately : Cease all reporting of this alleged debt to any and all credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 
Provide written confirmation that the debt has been permanently removed from my credit reports. 
Cease all collection activity and communications regarding this debt. 
Failure to comply with this demand will result in legal action, including filing another CFPB complaint, reporting your violations to the Federal Trade Commission ( FTC ), and pursuing legal remedies under the FCRA and FDCPA, including statutory and punitive damages. 

You are hereby given 15 days from the date of this letter to comply. If I do not receive a satisfactory resolution, I will escalate this matter to the fullest extent of the law. 

Sincerely, XXXX XXXX -attached is the past cfpb complaint in which the company is uncompliant

Company response to consumer: Closed with explanation