Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I am disputing a fraudulent and unauthorized debt that XXXX XXXX XXXX has reported to XXXX XXXX XXXX XXXX in the amount of {$560.00}. I never agreed to or signed for these charges, and the company has failed to provide any proof that I am responsible for this debt. 

Timeline of Events : XX/XX/year> I contacted Collections U.S.A. , Inc. and was notified for the first time that XXXX XXXX had assigned me a {$560.00} debt and sent it to collections. 
XX/XX/year> I contacted XXXX XXXX on the same day to dispute the charges and request documentation proving I agreed to these charges. They failed to provide any proof. 
XX/XX/year> I formally disputed the debt with Collections U.S.A. , Inc., invoking my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and demanded written validation of the debt. They have not provided proof of my agreement to these charges. 
Why This Debt Is Fraudulent : I never agreed to these charges. XXXX XXXX has not provided a signed lease agreement, contract, or document proving I accepted financial responsibility for this debt. 
I am being unfairly targeted. There were three other leaseholders on the apartment ( XXXX XXXX, XXXX XXXX, and [ Other Roommate 's Name ] ), yet I am the only one being charged for this amount. This is deceptive and unfair billing. 
XXXX XXXX actions violate federal and state consumer protection laws. Attempting to collect on an unverified debt violates : Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) Requires collectors to provide proof before attempting to collect.

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) Prohibits reporting inaccurate or disputed debts. 
Arizona Consumer Fraud Act ( XXXX XXXX ) Prevents deceptive business practices. 
This charge is harming my credit and financial standing. If this fraudulent balance is not removed, it could negatively affect my credit score and result in unjust financial consequences. 
What I Am Requesting : Remove this debt from collections immediately. Since there is no proof that I authorized these charges, this balance must be deleted from my account and any credit reports. 
Provide full documentation proving this debt is valid. If XXXX XXXX or Collections U.S.A. claims I owe this amount, they must provide a signed contract proving my consent to these charges. 
Explain why I am the only leaseholder being charged. If this balance were legitimate, it should have been split evenly among all leaseholders rather than assigned solely to me. 
Next Steps If This Is Not Resolved : If this debt is not removed or properly validated, I will proceed with : Filing a formal complaint with the Arizona Attorney Generals Office for fraudulent billing practices. 
Pursuing legal action against XXXX XXXX and Collections U.S.A. , Inc. for financial harm and violation of consumer protection laws. 
Filing a dispute with the credit bureaus ( XXXX, XXXX, and XXXX ) if this debt has been reported. 
This debt is fraudulent, improperly assigned, and unsupported by any legally binding agreement. I request immediate resolution of this matter.

Company response to consumer: Closed with explanation