Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Information Consumer File/Report Number : N/A Account in Dispute : XXXX  Reported Account Number : N/A Disputed Amount/Status : {$26000.00} / Charge-Off To Whom It May Concern : This letter is a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am disputing the following inaccurate, incomplete, and unverifiable information reported by XXXX  on my XXXX  consumer report, which was most recently pulled on or about [ Date you last checked, e.g., XX/XX/XXXX ]. 
Specific Items in Dispute : 1. Account Status and " Charge-Off '' : The account is inaccurately reported as a " Charge-off '' with " Profit and loss write-off '' remarks. No Form 1099-C, Cancellation of Debt, was ever issued to me by the creditor or any subsequent owner of this debt. The failure to issue a legally required 1099-C calls into question the validity and accuracy of the reported " charge-off '' status and the continued pursuit of the full balance. This reporting is misleading and does not reflect the legal and tax implications of a discharged debt.

2. Incomplete/Inaccurate Payment History : The payment history grid shows " Warning '' for every single month from XXXX through XXXX, which is nonsensical and fails to provide a true representation of the account 's payment status as required by 15 U.S.C. 1681c-1 ( a ). Furthermore, the reported " Worst Payment Status '' of " 120+ Days Late '' and the " Times 30/60/90+ days late : XXXX '' appear inconsistent with the provided data and are unverifiable.

3. Furnisher 's Obligation to Mark as Disputed : In accordance with 15 U.S.C. 1681s-2 ( a ) ( 3 ), I request that you promptly notify the furnisher, XXXX, of this dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ), the furnisher must conduct a reasonable investigation, review all relevant information you provide, and report its findings to you. If the information is found to be inaccurate, incomplete, or unverifiable, they must promptly modify or delete it.

4. Debt Validation Request ( Forward to Furnisher ) : As the entity reporting this as a debt for collection, XXXX  is acting as a " debt collector '' under the FDCPA. I request that you forward this letter to them as a formal request for validation of the debt pursuant to 15 U.S.C. 1692g. They must provide : o Verification that they are legally entitled to collect this debt.

o Documentation proving the amount and ownership of the original obligation.

o A full accounting and chain of title from the original creditor to them.

o Proof that a valid 1099-C was not required for the reported " write-off. '' Legal Basis for Dispute : 15 U.S.C. 1681 ( a ) ( 1 ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c-1 ( a ) : Requires furnishers to provide complete and accurate payment history.

15 U.S.C. 1681s-2 ( b ) : Outlines the duties of furnishers upon receiving a notice of dispute.

15 U.S.C. 1692g : My right to request validation of a debt from a collector.

Requested Actions : 1. Conduct a full and reasonable investigation into all disputed items as required by the FCRA.

2. Provide all correspondence and documents received from the furnisher regarding this dispute.

3. Forward this letter to XXXX to initiate the furnisher investigation and my debt validation request.

4. If the furnisher, XXXX, can not verify the accuracy and completeness of every aspect of this account with competent evidence, you must promptly delete the entire tradeline from my credit file.

5. Provide me with an updated copy of my credit report reflecting the results of your investigation and any corrections made.

Enclosed for your reference is a copy of my credit report from [ Date ] with the disputed items highlighted.

Sincerely,

Company response to consumer: Closed with explanation