Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kingston Data & Credit International Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against Kingston Data and Credit International Inc. ( hereafter " Kingston Data '' ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) concerning improper debt reporting and reinsertion of a previously deleted collection account on my credit report. Kingston Data has engaged in unlawful credit reporting practices that have caused financial harm and unjustly impacted my credit score. 

Summary of Violations & Events 1. Failure to Validate Debt Before Reporting ( FDCPA 1692g ( b ) ) o On XX/XX/XXXX, I disputed the alleged debt in writing and requested verification from Kingston Data. Kingston Data acknowledged receipt and confirmed that they would investigate with their client. 
o On XX/XX/XXXX, despite my pending dispute, Kingston Data reported the collection account to XXXX without first providing verification. 
o On XX/XX/XXXX, over a month after reporting, I received a debt verification letter postmarked XX/XX/XXXX, XXXXwell after Kingston Data had already reported the debt, violating FDCPA 1692g ( b ).

2. Reinsertion of a Previously Deleted Account Without Proper Certification ( FCRA 1681i ( a ) ( 5 ) ( B ) ) o On XX/XX/XXXX, I successfully disputed the unlawful reporting with XXXX, and on XX/XX/XXXX, the collection account was deleted from my credit report. 
o On XX/XX/XXXX, within 30 days of receiving verification, I paid the disputed debt in full for peace of mind, despite disagreeing with the charges. Kingston Data acknowledged receipt of my payment. 
o On XX/XX/XXXX, Kingston Data re-reported the deleted collection account as Paid in Collections without providing the required written notice of reinsertion within five business days, violating FCRA 1681i ( a ) ( 5 ) ( B ).

3. Misleading & Retaliatory Reporting ( FDCPA 1692e ( 8 ) ) o Kingston Datas re-reporting appears to be retaliation for my initial successful dispute and my complaint to the CFPB.

o FDCPA 1692e ( 8 ) prohibits furnishers from reporting false or misleading credit information, including debts that were previously deleted due to an invalid initial report. 
o Given that this debt had already been removed for improper reporting, its reinsertion under the guise of a Paid in Collections account is both misleading and injurious to my credit profile.

4. Failure to Report Accurate and Fair Information ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ) o Kingston Datas reporting does not accurately reflect the timeline of events. 
o The debt was paid before it was re-reported, meaning it should not have appeared as a new collection event. 

Harm Caused by Kingston Datas Unlawful Reporting Credit Score Damage : The re-reported collection account caused a XXXXpoint drop in my credit score. 
Denial of Credit : Due to this wrongful reporting, I was denied credit on favorable terms in early XXXX. 
Time & Emotional Burden : I have had to file multiple disputes and complaints, causing unnecessary stress and financial harm. 

Requested Action from CFPB I formally request that the CFPB : Investigate Kingston Data for FDCPA & FCRA violations and impose appropriate penalties. 
Direct Kingston Data to immediately delete this collection account from all credit bureaus.

Require Kingston Data to provide a written explanation for their unlawful re-reporting practices.

Ensure Kingston Data ceases any further re-reporting of this account or similar misleading practices in the future. 

I appreciate the CFPBs role in protecting consumers from abusive and deceptive credit reporting practices. I respectfully request a prompt investigation and resolution to prevent further financial harm. If additional information is needed, I am happy to provide it upon request. 
Sincerely, [ Your Full Name ] Attachments : Proof of debt dispute request ( XX/XX/XXXX ) Copy of Kingston Datas email acknowledging dispute Copy of credit report showing initial reporting ( XX/XX/XXXX ) Copy of debt verification letter postmarked XX/XX/XXXX Proof of credit report deletion ( XX/XX/XXXX ) Proof of full payment to Kingston Data ( XX/XX/XXXX ) Copy of credit report showing re-reported collection ( XX/XX/XXXX ) Timeline of Kingston Datas FDCPA & FCRA Violations

Company response to consumer: Closed with explanation