Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Debt Co LLC
State: TX

Complaint narrative:
LET ME BE ABSOLUTELY CLEAR : THIS IS YOUR FINAL WARING! 
Your company ( Debt Co Collections ) has repeatedly violated federal and state law, has failed to validate the alleged debt you've removed it from my account my last complaint number is XXXX, and now you've reinserted inaccurate information on my credit report without authorization, verification, or legal compliance. Debt Co Collections actions are not just negligent they are willful, deceptive, and in direct violation of multiple U.S. Code statutes. I am formally demanding Debt Co Collections immediate, permanent cessation of all reporting on this account, and I will pursue maximum legal remedies available under the law if Debt Co Collections continue this fraudulent behavior. 

Debt Co Collections are in violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Debt Co Collections are prohibited from furnishing information to consumer reporting agencies that is inaccurate or unverifiable. Debt Co Collections have knowingly reported a balance that has not been validated despite multiple formal requests. This is a direct violation of the law. 

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Re-Insertion Requirements Debt Co Collections previously removed this collection, then reinserted it without notifying me in writing within five business days, as explicitly required by law. This alone is grounds for federal litigation and enforcement penalties. 

15 U.S. Code 1681e ( b ) Maximum Possible Accuracy By Debt Co Collections reporting an account with a false " age '' of two months when the original account is much older you have submitted deliberately misleading and materially inaccurate data to the bureaus. 

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ) Debt Co Collections have failed to provide validation of the alleged debt upon dispute. Thats a clear violation, and Debt Co Collectionsou are now legally barred from any collection or credit reporting on this account unless and until verification is provided. 

Uniform Commercial Code ( UCC ) 9-610 & 9-613 You repossessed and sold my vehicle yet failed to provide : The sale price of the vehicle. 

A Notice of Sale. 

A detailed breakdown of how proceeds were applied to the balance. 

Per Texas Business and Commerce Code 9.6109.613, and in accordance with the UCC, this renders your claimed deficiency unenforceable and fraudulent. 

This is Debt Co Collections FINAL legal demand. I am requiring that : This account be PERMANENTLY removed from ALL consumer credit reports under your company name Debt Co Collections. 

Debt Co Collections CEASE AND DESIST from all future credit reporting or collection attempts. 

Provide, within 15 days, the following : Sale documentation of the repossessed vehicle. 

Breakdown of the deficiency balance. 

Copy of the required notice sent to me. 

ALL communication with XXXX XXXX XXXX. 

Proof of lawful re-reporting of this account under 15 U.S. Code 1681i. 

If I do not receive a satisfactory response, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), FTC, and the Texas Attorney General. 

Notify the credit bureaus that you are reporting fraudulent, unverifiable, and inaccurate data, demanding permanent deletion under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). 

Pursue civil litigation under the FCRA and FDCPA, seeking statutory damages, actual damages, attorneys fees, and punitive damages under 15 U.S. Code 1681n & 1681o. 

Debt Co Collections failure to adhere to the law has already damaged my credit and financial standing. Debt Co Collections will be held accountable. This is Debt Co Collections final opportunity to correct your illegal actions before I escalate this to federal enforcement and litigation. 

NEVER report on this account again. Debt Co Collections Is barred from doing so. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation