Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I am a Tennessee resident. On XX/XX/XXXX, I received a collection letter from Credit Corp Solutions Inc. XXXX XXXX XXXX XXXX XXXX Reference No. XXXX ) claiming I owe {$3400.00} on a XXXX XXXX XXXX XXXX XXXX account ( account ending in XXXX ) that was charged off XX/XX/XXXX and sold to Credit Corp Solutions Inc. on XX/XX/XXXX. VIOLATION 1 AUTOMATED TEXT MESSAGES WITHOUT CONSENT ( TCPA and Regulation F 1006.6 ( d ) ( 1 ) ( ii ) ) : On XX/XX/XXXX, Credit Corp Solutions Inc. transmitted two automated text messages to my cellular telephone from XXXX XXXX without verified prior express consent. Credit Corp Solutions Inc. is a debt buyer that owns this account in its own right, having purchased it from XXXX XXXX on XX/XX/XXXX. Any consent I may have given to XXXX XXXX does not automatically transfer to a third-party debt buyer under controlling federal law. Credit Corp Solutions Inc. bears the burden of establishing independent prior express consent. Under Regulation F, 12 C.F.R. 1006.6 ( d ) ( 1 ) ( ii ), a debt collector communicating electronically must confirm the address belongs to the consumer. No such verification was performed. VIOLATION 2 MISSING REQUIRED DISCLOSURES IN TEXT MESSAGES ( FDCPA 1692e ( 11 ) and Reg F 1006.18 ( e ) ) : Both XX/XX/XXXX text messages from shortcode XXXX omit the mandatory disclosure required by 15 U.S.C. 1692e ( 11 ) : 'This is an attempt to collect a debt, and any information obtained will be used for that purpose. ' This omission is a per se FDCPA violation and a failure of Regulation F 's mini-Miranda requirement at 12 C.F.R. 1006.18 ( e ). VIOLATION 3 VALIDATION NOTICE DELIVERED VIA EXPIRING TOKENIZED URL ( Reg F 1006.34 ( d ) ( XXXX ) ) : The second text message directed me to click a tokenized short URL XXXX to view required disclosures. Under Regulation F, 12 C.F.R. 1006.34 ( d ) ( 3 ), an electronic validation notice must remain accessible for the duration of the validation period. A one-time expiring link can not satisfy this permanence requirement and constitutes overshadowing of my dispute rights under 15 U.S.C. 1692g ( b ). VIOLATION 4 FALSE REPRESENTATION OF DEBT AMOUNT ( FDCPA 1692e ( 2 ) ( A ) and 1692f ( 1 ) ) : The {$3400.00} balance CCS is attempting to collect is built on account data XXXX XXXX furnished inconsistently to all three major credit bureaus. The reports show : ( a ) a material unexplained balance increase within a single billing cycle immediately preceding first delinquency, with no disclosed transaction on any bureau report ; ( b ) a charge-off amount ( {$3400.00} ) and highest reported balance ( {$3800.00} ) both exceeding the credit limit ( {$3300.00} ) with no fee or interest disclosure on any tradeline; and ( c ) materially conflicting balance data for the same reporting periods across all three bureaus from the same furnisher. These cross-bureau inconsistencies confirm the balance can not be verified without complete transaction-level documentation. Collecting {$3400.00} on this unverified data violates 15 U.S.C. 1692e ( 2 ) ( A ) and 1692f ( 1 ). VIOLATION 5 NO TENNESSEE LICENSE NUMBER ( Tennessee Collection Service Act TCA 62-20-105 ) : The reverse of CCS 's XX/XX/XXXX collection letter claims XXXX is licensed by the Tennessee XXXX XXXX XXXX but states no license number, effective date, or expiration date. I have demanded this information in my written dispute. I am requesting the CFPB confirm whether Credit Corp Solutions Inc. and/or XXXX XXXX XXXX hold current, active Tennessee collection agency licenses valid on XX/XX/XXXX and XX/XX/XXXX. I sent Credit Corp Solutions Inc. a formal written dispute and validation demand by certified mail on XX/XX/XXXX, invoking 15 U.S.C. 1692g ( b ), 1692e, 1692c ( b ), 1692c ( c ), and 1692b. I also emailed the dispute to XXXX on XX/XX/XXXX. I am requesting the CFPB investigate and require Credit Corp Solutions Inc. to : ( 1 ) cease all collection activity immediately ; ( 2 ) provide complete validation documentation including transaction-level account history, chain-of-title certification, and mathematical reconciliation of the claimed amount ; ( 3 ) disclose Tennessee collection agency license number for both entities ; ( 4 ) provide documentation establishing prior express consent for automated text messages; and ( 5 ) cease all automated electronic communications to my cellular telephone. NOTICE REGARDING RESPONSE AND USE OF INFORMATION PROVIDED Any response provided by the company through the CFPB complaint portal will be treated as its formal and binding statement of position regarding this account and the issues raised herein. Any information, documentation, or representations submitted in response will be preserved and used in any subsequent arbitration or legal proceeding. If the companys response conflicts with credit bureau data, prior communications, or any records produced directly to me, such inconsistencies will be treated as evidence of knowing and willful violations of applicable law, including but not limited to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Failure to provide a complete and substantiated response, or submission of incomplete, evasive, or unsupported information, will be treated as an inability to verify the alleged debt or the accuracy of reported information. In such event, I will proceed with all available remedies, including the immediate initiation of binding arbitration without further notice.

Company response to consumer: Closed with explanation