Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I respectfully request immediate reopening of this complaint. Harris & Harriss XX/XX/XXXX response failed to establish compliance with the FDCPA and failed to provide proof that a written validation notice was properly mailed to my correct address XXXX XXXX XXXX, XXXXXXXX XXXX after I had already supplied notice and proof that I no longer resided at the prior address. 
This is not an attempt to avoid payment. I repeatedly attempted to access, verify, and pay the account but was prevented from doing so by XXXX XXXX. I possess documentation supporting each factual assertion. 

XXXX suspended my online account without notice, preventing me from : Viewing billing statements Making payments Updating my address myself I repeatedly called XXXX requesting my address be updated to XXXX XXXX XXXX, XXXXXXXX XXXX ( XXXX XXXX XXXX should document this ) I emailed XXXX multiple times requesting account access ( screenshots available ) I provided notice and proof that I no longer resided at the prior address Despite this, XXXX failed to update my address and provided Harris & Harris with an address known or reasonably known to be invalid As a result, I received no billing statements and no collection notices at my correct address Harris & Harris claims a validation letter was sent on XX/XX/XXXX, but : Provides no proof of mailing Provides no evidence of the address used Relies on unsuccessful phone contact Reported the account to credit bureaus on XX/XX/XXXX without confirming receipt of written validation Phone calls do not satisfy FDCPA 1692g.

Once a collector knows or should know an address is invalid, continued reliance on that address is not reasonable and does not constitute proper notice. 

FDCPA ( 15 U.S.C. 1692g ) Failure to prove written validation was properly mailed to my correct address Reliance on an address known or reasonably known to be invalid FCRA ( 15 U.S.C. 1681s-2 ) Credit reporting without reasonable procedures to ensure accuracy Reporting despite known address inaccuracies and blocked consumer access TILA / FCBA ( 15 U.S.C. 1637, 1666 ) Denial of access to billing statements Denial of ability to verify charges or make payment SCRA ( 50 U.S.C. 3901 et seq. ) I am a military spouse entitled to heightened protections No documentation of SCRA compliance by either company Harris & Harris must produce : Proof the XX/XX/XXXX validation letter was properly mailed to XXXX XXXX XXXX, XXXXXXXX XXXX, including : Envelope or image showing address used XXXX mailing receipt or record XXXX XXXX must produce : Address on file when the account was referred to collections Address provided to Harris & Harris for notification Documentation explaining account suspension Records responding to my emails requesting account access I respectfully request CFPB to : Reopen this complaint Require Harris & Harris to produce proof of proper mailing within 15 days Require XXXX to produce account access records Direct removal or suppression of credit reporting until lawful validation is proven Review potential systemic practices involving blocked access and address errors Verify SCRA compliance by both companies Harris & Harris can not demonstrate that written validation was properly mailed to my correct address after I had already provided notice and proof that I no longer resided at the prior address. Blocking online access, ignoring correction requests, and reporting non-payment without proper notice violates federal law. This complaint should not have been closed based on an unsupported response. I respectfully request reopening and full investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief