Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
This response is submitted as a formal rebuttal to Zion Debt Holdings repeated claim that they purchased a XXXX XXXX account allegedly belonging to me and that the account has been validated. Their response is inaccurate, incomplete, and fails to address the core issue : this account is fraudulent and does not belong to me. 

I was formally informed by a credit reporting agency that this tradeline involves potential fraud, and I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) confirming that I did not open, authorize, or benefit from any account with XXXX XXXX or Zion Debt Holdings. This FTC report was submitted in good faith and serves as a legally recognized identity theft affidavit under federal law. 

Despite receiving notice of identity theft, Zion Debt Holdings continues to rely on the same recycled explanation that it purchased the account and that the balance has been validated. Ownership transfer does not establish consumer liability. The purchase of an account from a third party does not override federal identity theft protections, nor does it convert a fraudulent account into a valid obligation. 

Importantly, Zion Debt Holdings response does not refute the identity theft claim. It does not provide : Any signed contract bearing my signature Any application completed by me Any proof of authorization linking me to XXXX XXXX Any evidence that contradicts the FTC identity theft report Instead, the company continues to present settlement offers, which are wholly inappropriate in a confirmed or suspected fraud case. Offering a settlement on an account that a consumer has formally identified as fraudulent is inconsistent with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Further, at least one credit bureau has already identified this account as potential fraud, which directly contradicts Zion Debt Holdings assertion that the account has been properly validated. Once an account is flagged as fraudulent and an FTC identity theft report has been filed, the burden shifts to the furnisher to cease reporting and collection, not to continue asserting ownership without proof. 

I want to be clear : I am not disputing the amount. 
I am not requesting a settlement. 
I am not acknowledging this debt in any form. 

I am stating that this account is not mine, was opened through identity theft, and should never have been reported or collected in my name. 

Zion Debt Holdings continued reporting of this account after receiving notice of identity theft constitutes inaccurate credit reporting and causes ongoing harm to my credit profile. Their repeated failure to acknowledge the FTC identity theft report and the fraud determination by a credit bureau demonstrates a lack of meaningful investigation. 

This rebuttal is submitted to correct the record and to make clear that : I do not own this XXXX XXXX account I did not authorize Zion Debt Holdings to collect on my behalf I have filed an FTC identity theft report A credit bureau has identified this account as potential fraud Validation based solely on account purchase records is insufficient and improper Any continued reporting, validation, or collection of this account after receipt of this rebuttal will be documented as continued reporting of known inaccurate information. 

I request that this rebuttal be permanently associated with my CFPB complaint record and forwarded to Zion Debt Holdings for corrective action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation