Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Subject : CFPB Complaint Response Dispute of Debt & Request for Deletion Dear CFPB, I am writing in response to the companys reply regarding my complaint. Their response does not resolve the issue and further highlights multiple legal violations, reinforcing my demand for the immediate deletion of this account. 

1. Debt Buyer with No Legal Standing to Collect The company admits to being a debt buyer and not the original creditor. Under FCRA 623 ( 15 U.S.C. 1681s-2 ) and FDCPA 809 ( 15 U.S.C. 1692g ), a debt buyer must provide a valid chain of title proving they have the legal right to collect and report this debt. They have failed to provide : A bill of sale showing a direct assignment of this alleged debt to them A contract with my signature proving my obligation to them as a creditor A signed and dated agreement where I consented to their reporting or collection 2. FCRA & FDCPA Violations Misrepresentation & Unverified Debt FCRA 605B ( 15 U.S.C. 1681c-2 ) They are reporting an account that has not been properly verified with legitimate documentation.

FDCPA 807 ( 15 U.S.C. 1692e ) It is a violation to misrepresent the character, amount, or legal status of a debt. Their response falsely claims an obligation without proper substantiation.

FDCPA 808 ( 15 U.S.C. 1692f ) Attempting to collect an unverified debt is considered an unfair practice under the law.

3. Privacy Violation Unlawful Credit Reporting This company obtained and reported my personal credit information without my consent, violating FCRA 604 ( 15 U.S.C. 1681b ). As I have never had an account or legal agreement with them, they had no permissible purpose to access or report my credit information.

4. Contract is Invalid & Unenforceable Even if an alleged contract exists, debt obligations are not automatically transferable without consumer consent. This company has not proven : That the contract terms allow for assignment to a third party That I was notified and agreed to such assignment That they have a legal right to collect and report this debt Additionally, if this contract was created under Texas law, it may be subject to statutory limitations, making their collection efforts invalid.

Resolution Demanded 1. Immediate deletion of this account from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX ). 
XXXX. Removal of any unauthorized inquiries associated with this company. 
3. Cessation of all collection efforts due to their failure to provide proper documentation.

4. Investigation into this companys practices for violating federal laws.

This company has failed to prove legal ownership of this debt, provide proper validation, or show permissible purpose for accessing my credit file. Their reporting and collection actions are unlawful, and this account must be deleted immediately. 

I appreciate your prompt attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation