Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> Subject : Formal Complaint Against Harris & Harris for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against Harris & Harris, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, phone number ( XXXX ) XXXX. They reported an alleged debt of {$260.00} on my credit report without providing the necessary validation information or affording me the opportunity to dispute the debt, as required by federal law. 

Specific Violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) Harris & Harris reported the alleged debt to consumer reporting agencies without providing me with the required validation information, contravening federal regulations. 
2. Denial of Opportunity to Dispute the Debt ( 12 CFR 1006.34 ( c ) ( 4 ) ) I was not informed of my right to dispute the debt, nor was I given a reasonable opportunity to do so. 
3. Use of False, Misleading, and Deceptive Practices The agency has employed false, misleading, and deceptive means in their collection efforts, violating my consumer rights under federal law. 
4. Failure to Provide Required Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) Harris & Harris furnished information about the alleged debt to consumer reporting agencies without providing all legally required disclosures. 

Additional Concerns : Dispute of Debt : I formally dispute owing any debt to Harris & Harris. 
Revocation of Communication Consent : I have revoked all consent for communication via email, text messages, or phone calls, requesting that all correspondence be conducted in writing only. 
Request for Debt Validation : I have requested comprehensive debt validation, including : The name and address of the original creditor. 
A detailed breakdown of the alleged debt. 
A copy of the original contract or agreement establishing the debt. 
Request for Purchase Agreement : I have asked for a copy of the purchase agreement or assignment of debt between the original creditor and Harris & Harris. 
Proof of Licensing and Bonding : I have requested proof that Harris & Harris is licensed and bonded to collect debts in my state. 

Despite these requests, Harris & Harris continues to act in violation of the law, causing harm to my credit and financial standing. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Harris & Harris complies with the law. Specifically, I ask that the agency be required to : 1. Provide the requested documentation and validation. 
2. Cease all collection and reporting efforts until the debt is validated. 
3. Remove any inaccurate information from my credit report. 

Thank you for your attention to this matter. Please contact me if additional information is needed. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief