Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Troy Capital, LLC
State: FL

Complaint narrative:
RE : Formal Dispute of Account # XXXX Request for Immediate Deletion and Cease Reporting To Whom It May Concern, I am writing to formally dispute the continued reporting of the above-referenced account to XXXX XXXX XXXX XXXX Despite multiple attempts to resolve this matter and requests for accurate documentation, XXXX XXXX XXXX has continued to report delinquent payment activity and a charge-off in violation of both federal law and basic reporting ethics.

I did not receive a 1099-C form or any IRS-issued documentation indicating that you lawfully canceled or discharged this debt as gross income. If XXXX submitted a claim and received tax benefits or insurance coverage for this account, continuing to report the debt as outstanding is a clear violation of IRS and FCRA guidelines. Under IRS guidelines, a debt that has been canceled can not continue to be reported as owed by the consumer unless properly documented with a 1099-C.

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) You have a legal obligation to ensure the maximum possible accuracy of the information reported. Continuing to report misleading or outdated information without the legally required 1099-C documentation constitutes a direct violation.

Section 611 Failure to reinvestigate and correct inaccurate information as requested, especially after notice of dispute and request for validation.

Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( 2 ) ( A ) False representation of the character or legal status of a debt. Reporting a debt as collectible after a potential insurance or tax write-off is misleading.

Section 808 Use of unfair or unconscionable means to collect or report a debt.

Supporting Case Law : Fields v. Wilber Law Firm, P.C., 383 F.3d 562 ( 7th Cir. 2004 ) : Deceptive collection or inaccurate debt representation violates FDCPA.

Camacho v. Bridgeport Financial , Inc., 430 F.3d 1078 ( 9th Cir. 2005 ) : A collector must give accurate and clear information in their reporting and communications.

Norman v. Applied Innovation , Inc., 2007 WL 2225832 : Inconsistent or misleading reporting of charge-off and balance amounts is grounds for deletion under FCRA.

DEMAND FOR ACTION : Immediately cease and desist all reporting of this account to XXXX XXXX XXXX XXXX

Permanently delete the account due to inaccurate, incomplete, and unverifiable reporting practices. 

Provide me with written confirmation of deletion and cease all collection and furnishing activity related to this account. 

Should you fail to comply, I will have no choice but to pursue formal legal action for willful noncompliance under FCRA 616 and FDCPA 813, including but not limited to statutory damages, actual damages, and attorney fees.

This is not a request this is a formal legal notice of dispute and demand for correction under federal consumer protection laws. I expect a response in writing within 15 calendar days from the date of this notice.

P.S : I am formally notifying your company that I do not reside at the address previously associated with this file. I am currently experiencing extreme hardship and have been homeless for the past three years. I do not have a phone number, and I am only able to contact you via public library Wi-Fi . Your companys continued reporting of inaccurate and misleading data is damaging my credit profile and violating my rights under federal law. XXXX  has breached its contractual and reporting obligations by supplying false, outdated, and unverifiable information to the credit bureaus.

I have no contract, consent, or ongoing relationship with Troy Capital LLC, and you are hereby ordered to cease and desist all reporting and communication using my personal information. Under FCRA 1681e ( b ) and 1681b ( f ), reporting unverifiable and non-consensual data is illegal. Under FDCPA 805 and 808, continuing to communicate without consent or validation violates my right to privacy. As ruled in Clark v. Capital Credit and Cushman v. TransUnion, credit furnishers and collectors have a legal duty to maintain accurate and verifiable records, or else delete all disputed data.

I demand the immediate and permanent deletion of the tradeline, cessation of all credit bureau communication, and written confirmation. If this issue is not resolved, I will pursue legal action under FCRA 616 and FDCPA 813 for damages and privacy violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation