Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Zions Debt Holdings
State: IL

Complaint narrative:
Subject : FORMAL DISPUTE & DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIED DEBT To Whom It May Concern, This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding the fraudulent and inaccurate debt you have reported on my credit file. You are currently reporting a debt under my name that I DO NOT recognize, and I demand immediate validation or full deletion from my credit report. 

VIOLATIONS YOU HAVE COMMITTED Upon reviewing my records, I have identified multiple violations of federal laws that you have committed, including but not limited to : 1. Failure to Validate the Debt Under 15 U.S. Code 1692g, you are required to provide a full breakdown of the debt, including the original creditor, account details, and proof that you have the legal right to collect this debt. You have failed to do so. 
2. Reporting Inaccurate or Unverified Information You have violated the FCRA by reporting a debt that you have not validated as accurate. This constitutes a willful attempt to damage my creditworthiness. 
3. Harassment or Unfair Collection Practices If you have called, sent misleading letters, or attempted to collect without validation, you are in direct violation of FDCPA regulations.

4. Failing to Remove a Disputed Debt If you continue to report this unverifiable debt to credit bureaus without proper proof, you are engaging in unlawful reporting practices, and I will take legal action.

DEMAND FOR IMMEDIATE ACTION You now have five ( 5 ) business days from the receipt of this letter to take the following corrective actions : 1. IMMEDIATELY REMOVE this debt from all credit reporting agencies ( XXXX, XXXX, XXXX ). 
2. Provide FULL validation of this debt, including the original contract with my signature proving I owe this amount.

3. Cease all collection activity, including phone calls and written demands, until this debt is fully validated.

CONSEQUENCES OF NON-COMPLIANCE If you fail to comply with my demands within five ( 5 ) business days, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

Report your violations to all three credit bureaus and demand removal based on FCRA guidelines. 
Pursue legal action against Zion Debt Holding for FDCPA and FCRA violations, seeking statutory damages and attorney fees.

I suggest you take this matter seriously and act immediately. Failure to comply will result in legal consequences. 

This letter serves as formal notice under federal law. Any further attempts to collect an unverified or fraudulent debt will be considered willful noncompliance and harassment. 

Send all responses via certified mail to the address above.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation