Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Subject : Formal Dispute Fraudulent and Unauthorized Collection Account Reporting by Harris & Harris , Ltd . 

To Whom It May Concern, I am writing to formally dispute and file a complaint regarding a fraudulent and unauthorized collection account that has been reported by Harris & Harris , Ltd . This account has caused material harm to my credit standing and was placed on my consumer report without any prior notice, consent, or legal authority. 

Disputed Account Information : Furnisher Name : Harris & Harris , Ltd . 

Statement of Facts : I have no known relationship or financial obligation to Harris & Harris , Ltd . 
I have never received any bills, notices, or communication from your office regarding this alleged debt. 
I have not authorized your company to access my private personal information, collect any debt on my behalf or to report any information regarding me to consumer reporting agencies. 
I have not received a debt validation notice as required under federal law within XXXX  days of initial communication, if any communication occurred at all. 

This account is clearly fraudulent, unauthorized, and unverified. It constitutes a serious privacy violation and has triggered a drop in my credit score, negatively affecting my ability to secure housing and financial services. 

Federal Violations : Your actions and reporting violate multiple provisions of federal law, including but not limited to : FCRA 1681s-2 ( b ) : Failure to conduct a reasonable investigation into the accuracy of reported information. 
FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy of information furnished to credit bureaus. 
FCRA 1681i : Neglecting to properly investigate and correct disputed accounts. 
FCRA 609 & 611 : My right to request and receive validation and accurate reporting has been ignored. 
FDCPA 1692g ( a ) : Failure to provide a written validation notice within XXXX  days of collection activity. 
FCRA 604 XXXX XXXX : Unlawful access and use of my consumer data without permissible purpose or my consent. 

Requested Actions : I hereby demand the following : XXXX. Immediate and permanent deletion of this Harris & Harris collection account from all consumer credit reports ( XXXX, XXXX, XXXX  ). 
XXXX. A full investigation into how your agency obtained my personal information and why this debt was reported. 
XXXX. Written confirmation of the results of your investigation and the actions taken. 

Enclosure : Screenshot of the credit report reflecting the disputed Harris & Harris account I expect a response and resolution within the XXXX timeframe as required under the Fair Credit Reporting Act. Failure to correct this error may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, along with pursuit of all available legal remedies.

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