Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DreamSpring
State: GA

Complaint narrative:
I am filing this complaint against multiple debt collectors who have reported accounts to the credit reporting agencies ( Equifax, Experian, and TransUnion ) in my name. These collectors failed to comply with 15 U.S. Code 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires a debt collector to send the consumer a written notice of the debt within five days of initial communication.

I never received any written notice or validation letters in the mail within that required timeframe from the following debt collectors, yet they proceeded to report the debts to the credit bureausan action that constitutes continued collection activity under the law : Accounts in question : XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX  ) Appears on : XXXX, XXXX, XXXX  Balance : {$680.00} Account # : XXXX Accion New Mexico / DreamSpring Appears on : XXXX XXXX XXXX Balance : {$7300.00} {$8300.00} Account # : XXXX XXXX XXXX Appears on : XXXX  Balance : {$11000.00} Account # : XXXX These accounts were added to my credit reports without any prior written notification to me, and I was not given the legally required opportunity to validate or dispute the debts before they began damaging my credit score and reputation.

According to 15 USC 1692g ( a ) : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall ... send the consumer a written notice containing... the amount of the debt, the name of the creditor ... and a statement that unless the consumer disputes the validity of the debt within thirty days ... the debt will be assumed to be valid by the debt collector. '' By failing to send me this written notice within the mandated 5 days, these companies have violated my rights under the FDCPA. Their continued reporting to the credit bureaus constitutes ongoing collection activity and is a clear violation of federal law. 

There are also reported inaccuracies regarding DreamSpring / Accion NM according to 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
As clearly shown on my credit reports which I have attached below DreamSpring XXXX Accion NM are on all three of my credit reports yet all information is different as it pertains to name of the company and amount reported. 

Also the account reported " XXXX XXXX '' is inaccurate and should not have been reported on my report. 

The following accounts must be removed immediately from my credit report, as they are inaccurate, not validated, or furnished in violation of federal law. These include ( but are not limited to ) : - XXXX XXXX XXXX Account # XXXX - DreamSpring / Accion NM Account # XXXX - XXXX XXXX Account # XXXX These accounts were reported without legal validation, without a proper permissible purpose, and without providing me any lawful notice as required. As you are aware, the burden of proof lies with the furnisher and the credit bureau to validate any item you report. 
Let this notice serve as evidence that I am asserting my legal rights. If these accounts remain on my credit file in violation of the laws cited above, I will pursue claims for statutory damages of {$1000.00} per violation, as outlined in 15 USC 1692k and 15 USC 1681n, including attorneys fees and any other appropriate remedies.

Thank you for your prompt attention to this matter. I expect to receive a formal response and resolution within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation