Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
FORMAL NOTICE OF STATUTORY VIOLATIONS DEMAND FOR METHOD OF VERIFICATION NOTICE OF INTENT TO LITIGATE Via Certified Mail Return Receipt Requested United Revenue Corporation Compliance & Legal Department RE : Response to CFPB Complaint Filed XX/XX/XXXX CFPB XXXX Results Dated XX/XX/XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX This correspondence serves as my formal response to the results issued on XX/XX/XXXX, regarding the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. 

Despite your representation to the CFPB that the above-referenced accounts were verified as accurate and XXXX  XXXX XXXX, a review of my consumer report confirms that your reporting remains inaccurate, misleading, and in ongoing violation of federal law.

DEMAND FOR METHOD OF VERIFICATION Pursuant to 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ) ( 6 ) - ( 7 ), you are hereby required to provide a complete and detailed Method of Verification, including but not limited to : The name, address, and telephone number of every person or entity that verified the information Copies of all documents relied upon to substantiate the alleged debt A description of the procedures used to determine accuracy and XXXX XXXX compliance Identification of all XXXX XXXX XXXX fields relied upon during your investigation FAILURE TO REPORT DISPUTE MULTIPLE STATUTORY VIOLATIONS I am in possession of XXXX ( XXXX ) screenshots demonstrating that you were required to update the tradelines with the notation Consumer Disputes This Account. You failed to do so on XXXX ( XXXX ) separate accounts, despite actual notice of dispute.

Your conduct constitutes willful violations of : 15 U.S.C. 1681s-2 ( a ) ( 3 ) Duty to report disputes 15 U.S.C. 1681s-2 ( b ) Duty to correct incomplete or misleading information 15 U.S.C. 1692e ( 8 ) Communicating credit information without disclosing a known dispute COURTS HAVE CONSISTENTLY HELD : Brady v. Credit Recovery Co., 160 F.3d 64 ( 1st Cir. 1998 ) Failure to report a dispute violates FDCPA Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) Omission of dispute notation is materially misleading Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) Furnishers must report disputes DAMAGES AND LIABILITY Each failure to properly report a dispute constitutes a separate violation subject to statutory damages of {
$1000.00} per violation.

Five ( 5 ) violations {$1000.00} = {$5000.00} This figure does not include attorneys fees, court costs, punitive damages, or actual damages, all of which will be sought should litigation commence. 

SETTLEMENT DEMAND FINAL OPPORTUNITY TO CURE To resolve this matter without immediate litigation, I am willing to accept the following settlement terms : Payment of {$5000.00} by check made payable to me Immediate deletion of all XXXX ( XXXX ) accounts from all consumer reporting agencies Written confirmation that these accounts will not be resold, reassigned, transferred, or returned to any creditor A permanent cease-and-desist of all collection and reporting activity FAILURE TO COMPLY If you fail to comply within XXXX ( XXXX ) days of receipt of this notice, I will proceed with filing suit in federal court without further notice. Your CFPB response and continued noncompliance will be entered into the record as evidence of willful violations. 

PRESERVATION OF EVIDENCE You are hereby directed to preserve all records, communications, system notes, policies, XXXX XXXX reporting data, and CFPB correspondence related to these accounts. 

This letter is sent in good faith for settlement purposes only and does not constitute a waiver of any rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation