Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am filing this complaint against Zions Debt Holdings for willful and ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the XXXX XXXX XXXX. I am demanding immediate deletion of this account from all consumer reporting systems due to Zions failure to comply with federal and state law. 
On XXXX XXXX XXXX, I submitted a formal, written validation request to Zions via certified mail. I specifically requested : A signed contract or original account agreement, A full itemized breakdown of all charges and fees, Proof of assignment or legal ownership of the debt, Verification of licensing to collect in XXXX. 

Zions was required under 15 U.S.C. 1692g ( b ) to cease all collection activity until proper validation was provided. They did not comply. Instead, on XX/XX/year>, Zions sent me an unsolicited text message about the disputed debt, in violation of 15 U.S.C. 1692c ( c ), which prohibits further communication after a cease-and-desist request.

Additionally, Zions never marked the account as disputed, violating 15 U.S.C. 1692e ( 8 ), and continued to report the debt without resolution. Their response on XX/XX/year>, failed to provide any legally required documentation no signed agreement, no breakdown of charges, no proof of assignment, and no evidence of licensure. Simply stating that they purchased the debt and asking for payment is not legal validation under federal or state law. 

Their actions violate the following statutes : FDCPA 1692g ( b ) : Collection without prior validation ; FDCPA 1692c ( c ) : Contact after cease and desist ; FDCPA 1692e ( 8 ) : Failing to mark the debt as disputed ; FCRA 1681s-2 ( a ) : Continuing to report inaccurate and unverifiable information ; XXXX XXXX XXXX XXXX : Failure to investigate and correct disputed debt ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX d ) : Failure to delete unverifiable information ; XXXX  XXXX XXXX : Engaging in deceptive trade practices.

Zions is legally out of time to validate the debt. They have not met the required burden of proof and have continued collection actions that are unlawful, deceptive, and damaging. Their conduct demonstrates bad faith and reckless disregard for consumer rights. 

I am demanding the following : Immediate deletion of this account from all credit reporting agencies ; That the CFPB classify this case as unresolved and in violation of consumer protection law ; That this matter be referred for enforcement to applicable state and federal agencies ; That Zions Debt Holdings be barred from further collection or communication regarding this debt unless full validation is properly and lawfully provided. 

I request the CFPBs support in holding Zions accountable for its unlawful conduct and ensuring that this inaccurate, unvalidated, and disputed debt is permanently deleted from all records. It doesn't matter if Zion offers to mail a validation to my address, they're too late, and they should have complied when I originally requested it. They also harrassed me after I told them not to contact me unless they were providing proof that I requested.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation