Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: NY

Complaint narrative:
Dear SST/XXXX, If the account was written off ( charged off ), the full amount ( {$3300.00} ) should have been reported as a loss by the creditor. 
- However, the collection agency is reporting a {$450.00} past due balance as of XX/XX/XXXX, which suggests they are still treating it as an active debt. This could be misleading or incorrect if the original creditor already wrote it off. 
Balance Discrepancy * * - Original Balance : {$3500.00} - Written Off Amoun or charged offt : {$3300.00} ( difference of {$160.00} ) - Recent Payment ( XX/XX/XXXXXXXX  ) : {$2500.00} - Current Balance : {$450.00} - Highest Balance :? ( Not specified, but if it was {$3500.00}, the math doesnt add up ) - If you paid {$2500.00}, the remaining balance should have been around {$990.00} ( {$3500.00} - {$2500.00} ), not {$450.00}. The {$450.00} seems arbitrary unless fees were added. illegal.. 
If no new activity occurred, the balance shouldnt keep changing unless interest/fees were applied Highest Balance '' Not Matching '' - If the original balance was {$3500.00}, but the written-off amount is {$3300.00}, the highest balance should be clarified. If fees were added, they must be valid under the original agreement. 
the reporting keeps being reported incorrect.. They need to remove this debt from my credit report if they keep manipulating XXXX XXXX me XXXX  XXXX  Wrong balance, duplicate reporting, or misrepresented charge-off .. The Debt Validation is false and misleading me and my credit report .. This has grounds for removal or even legal action under the Fair Credit Reporting Act. Wrongly inflating the debt or failing to update the status properly. 
Incorrect balance Reported Balance : {$450.00} ( incorrect, original debt was settled or written off ) Contradictory status Inaccurate update dates ( no activity justifies the XXXX  update ). 
Please remove from credit report immediately. and stop harassing me and my credit report. as well as selling this debt to another party and XXXX XXXX is still trying to collect a debt not owe to them when I did not sign a contract with SST XXXXXXXX 
Page XXXX is missing in that contract. please send a clear documents I did not agree with SSTXXXX because XXXX XXXXXXXX XXXX  violated the contract agreement. so SST did not have the write to own this debt. 
XXXX XXXX XXXX  unlawfully sold my debt to SST in violation of our original contract agreement. Because the bank breached its obligations misapplied payments, interest miscalculation, failure to provide notices ] ), it forfeited the legal right to assign or sell this debt. Since SST can not enforce a debt derived from a breached contract, this collection is invalid and must be deleted from my credit reports. 
had. If XXXX XXXX XXXX  breach nullified the debt, SST inherits nothing. 
SST is reporting a debt it can not legally validate or enforce, violating : - FDCPA 809 FCRA 623 ( furnishing inaccurate information ) SST can not prove lawful ownership. Delete this unverified account under FCRA 611.

Per UCC 3-203 and contract law, a creditor who breaches an agreement can not assign rights it no longer holds. XXXX XXXX XXXX [ specific violation ] voided its authority to transfer this debt. SSTs claim is therefore null, and its credit reporting constitutes defamation under FCRA 1681s-2 ( b ). 
And I can't even file a complaint with XXXX XXXX XXXX because they no longer exist. 
SST/XXXX  : Contact info Phone number ( XXXX ) XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX

Company response to consumer: Closed with explanation