Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Zions Debt Holdings
State: FL

Complaint narrative:
Subject : Formal Request for Reinvestigation and Full Compliance Review under FCRA, TILA, FCBA, FDCPA, and XXXX XXXX To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file. 

Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( XXXX ) listed below, and a comprehensive review of your reporting under XXXX XXXX compliance guidelines, including all data fields and condition codes. 

Account Name/Number : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Nature of Dispute : The Date of Last Activity is inconsistent : TransUnion reports XX/XX/XXXX Equifax reports XX/XX/XXXX Violation of FCRA 607 ( b ) and XXXX XXXX XXXX XXXX ( inaccurate and misleading reporting of aging ) Dispute Reason : I am disputing the reported ZIONS DEBT HOLDINGS account due to multiple inaccuracies. The account status is inconsistent, as it is marked both " Open '' and " Placed for Collection, '' which is contradictory. The last activity date is reported as both " XX/XX/XXXX, '' and " XX/XX/XXXX, '' which creates confusion. The balance is listed as {$550.00} in multiple places without further clarification. The payment history claims 88 % of payments were made on time, but the month-by-month records show charge-offs and inconsistencies that do not support this statement. Additionally, the original creditor is listed differently as " XXXX XXXX  '' and " XXXX  '' causing further confusion. I request an immediate investigation and correction of these errors. If verification is not possible, the inaccurate information must be removed under the Fair Credit Reporting Act ( FCRA ). 

The account status conflicts : TransUnion : Charge Off- Collection/Charged Off Equifax : Open Collection/ Charge-off Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX XXXX Field 17 ( status codes must be consistent across CRAs ) The account is missing from Experian : Suggests selective or incomplete furnishing Violation of FCRA 602, DoddFrank Act ( UDAAP provisions ), and equal data furnishing standards The payment history is missing : Transunion show No History Available Violation XXXX XXXX XXXX reporting standards ( field omission reduces transparency and accuracy ) The charge-off date is suspiciously aged : Last activity in XXXX vs. XXXX may indicate artificial account extension Possible violation of FCBA and TILA, which govern aging and accurate charge-off practices This may indicate either : The debt is unverifiable and thus omitted by other CRAs.

The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( a ) ( 1 ) ( A ).

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