Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
To Whom It May Concern : This letter is a formal written dispute of the above-referenced account that you claim I owe. I dispute the validity of this alleged debt in its entirety and demand full compliance with federal consumer protection laws. 

I have reviewed my consumer credit report and discovered that your company is reporting this account. I have never received proper validation of this alleged debt, and I hereby request that you provide it as required by law. 

Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific and accurate information about an alleged debt upon request. Accordingly, I demand that you provide complete validation and verification, including but not limited to : The name and address of the original creditor The original account number A detailed itemization of the amount claimed, including interest, fees, and charges Copies of any contract or agreement bearing my signature Documentation proving you have legal authority to collect this debt Proof that the debt has not been paid, canceled, or discharged Pursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), this letter constitutes a timely and formal written dispute. You are legally required to treat it as such and to conduct a reasonable investigation before engaging in any further collection efforts. 

Further, under 12 CFR 1006.34 ( d ), once a consumer submits a written dispute, a debt collector must cease collection activity unless and until proper verification of the debt has been provided. Therefore, you must immediately cease all collection attempts, communications, and reporting activity until you have fully complied with the validation requirements. 

Additionally, I am invoking my rights under the Fair Credit Reporting Act. Under 15 USC 1681s-2 ( a ) ( 7 ) ( A ), any furnisher of information to a consumer reporting agency is legally required to report an account as disputed when the consumer disputes it directly. You are therefore required to immediately update all credit reporting to reflect that this account is disputed. 

At this time, your company is reporting this account on my credit file without having provided proper validation, which I believe constitutes inaccurate and potentially unlawful credit reporting. If you continue to report this account without marking it as disputed, or if you fail to conduct a reasonable investigation, you will be in violation of federal law. 

Therefore, I demand the following actions : 1. Immediate notation of this account as DISPUTED BY CONSUMER with all credit reporting agencies 2. Full written validation and verification of the alleged debt as outlined above 3. Immediate cessation of all collection activity until proper validation is provided 4. Deletion of this account from my credit report if you are unable to provide the required documentation If you can not provide the requested proof, you must permanently close this account and instruct all credit reporting agencies to delete any reference to it. 

Be advised that any continued collection activity or credit reporting without full compliance will result in complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state Attorney General, and may result in legal action for violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation