Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint against Credit Corp Solutions located at XXXX XXXX XXXX XXXX, XXXX, UT XXXX. Credit Corp Solutions is attempting to collect a debt which I do not believe I am liable for. The alleged debt appears to have originated with a different creditor and, to my knowledge based on the civil suit XXXX XXXX XXXX filed against me, was sold or transferred to this collection agency. Credit Corp Solutions violated Federal Consumer Protection Laws and the Fair Debt Collection Practices Act 15 U.S.C. 1692g 809 by not having any prior contact with me or providing my right to full account validation prior to filing a civil suit for an unvalidated debt. In the suit filed, Credit Corp Solutions only provided a single account statement appearing to be from the original creditor, which does not constitute full or proper validation of the debt. The account statement provided to the courts also specifically states statement not provided to customer. 

Furthermore, as a debt buyer, Credit Corp Solutions is legally obligated to produce a valid/signed contract initiated by me, full itemized account history, a break down of fees and assessments on the account, legal chain of assignment, and purchase agreement ( Forward Flow Agreement ) particularly because debt sales between furnishers often exclude original account-level documentation and contain disclaimers about accuracy. This debt is legally unverifiable without those materials. All continued reporting and collection of this debt without valid documentation, and in the face of dispute is misleading, injurious to my credit standing, and constitutes willful and negligent violations of the FCRA and FDCPA. 

Lastly, after research of the original creditor, type of account and collection/dispute policies of such accounts, disputes are subject to arbitration and not a court hearing. The original creditor explicitly states in all of their available online agreements If a party files a lawsuit in court asserting claim ( s ) that are subject to arbitration and the other party files a motion with the court to compel arbitration, which is granted, it will be the responsibility of the party asserting the claim ( s ) to commence the arbitration proceeding. If this account was a purchased account, the original agreement would be fully enforceable, giving right to arbitration for me to dispute the validity of this debt and it being my responsibility for payment, at the cost of Credit Corp Solutions since they are claiming this as my debt which is upheld by the Federal Arbitration Act ( FAA ), 9 U.S. C. 116 section 2. 

Credit Corp Solutions, lacks proper legal standing to collect or report this debt with willful violations of the FCRA and FDCPA. Credit Corp Solutions lack of/or improper notification, failure to fully validate the debt, and the improper use of the court system constitutes willful noncompliance and is a direct violation of Federal Consumer Protection Laws. Pursuant to FDCPA 15 U.S.C. 1681n and 1692k which provides liability for willful noncompliance ; I respectfully demand all collection to cease, a filing be made with the court for a dismissal WITH prejudice and any reports made to any credit agency to be removed from my record.

Company response to consumer: Closed with explanation