Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am submitting this complaint against F.H. Cann & Associates regarding an alleged debt they reported and/or attempted to collect. F.H. Cann & Associates sent me a letter dated XX/XX/year>, stating that I owed a debt and that I had until XX/XX/year>XXXX to respond. However, the communication did not provide sufficient information and documentation for me to determine whether the alleged debt was accurate, valid, mine, or legally enforceable. The notice only stated that I owed the debt, without providing enough underlying detail for meaningful review. On XX/XX/year>, I contacted F.H. Cann & Associates and requested that they send me the debt information and supporting documentation to my email address, XXXX, so that I could review the basis of the alleged debt. At that time, I was attempting to obtain the information necessary to evaluate and dispute the account. Despite this, the debt was placed on my credit report before I was provided adequate validation and supporting documentation. I dispute the accuracy, completeness, and verifiability of this account as reported. My complaint is based on the following : Failure to provide adequate validation information Debt collectors must provide validation information containing required disclosures about the debt. CFPB Regulation F sets standards for the validation notice and even provides a model notice safe harbor. Improper furnishing concerns A debt collector must not furnish information about a debt to a consumer reporting agency before either speaking with the consumer about the debt or sending a letter/electronic message and waiting a reasonable period for undeliverability. The CFPB commentary explains that 14 consecutive days after mailing or sending an electronic message is considered a reasonable period. Disputed accuracy and duty to investigate Furnishers that report information to consumer reporting agencies must provide information that is accurate and complete, and they must investigate disputes regarding reported information. Because I requested the debt information and dispute the tradeline, I am asking for a full investigation and for F.H. Cann & Associates to produce competent evidence supporting the reporting of this account, including : the name of the original creditor the account number tied to the alleged debt a full itemization of the balance claimed documents showing I am legally responsible for the debt documents showing F.H. Cann & Associates has authority to collect and report the debt the exact date the debt was furnished to each consumer reporting agency confirmation that the account has been marked as disputed If F.H. Cann & Associates can not fully verify the debt and its reporting, I request that the account be deleted from all consumer reporting agencies immediately. I also request that the CFPB require F.H. Cann & Associates to : investigate my dispute in full cease reporting any inaccurate or unverified information update the account to reflect that it is disputed, if it remains reported during investigation provide me with the documentation relied upon to collect and furnish this account I am attaching or can provide supporting evidence, including : the letter dated XX/XX/year>XXXX notes regarding my XX/XX/year>XXXX phone call requesting debt information by email a copy/screenshot of the account appearing on my credit report I respectfully request prompt review of this complaint.

Company response to consumer: Closed with explanation