Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: TN

Complaint narrative:
I disputed a debt originally serviced by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. XXXX responded with a summary notice stating the balance and creditor, but failed to provide any of the legally required documentation under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( b ). Specifically, they did not produce a signed contract, account-level transaction history, or proof of ownership chain. 

Without validating the debt, XXXX reassigned the account to January Technologies, who resumed collection activity. This constitutes continued collection activity in violation of FDCPA 1692g ( b ). 

XXXX also updated my credit report on XX/XX/year>, through XXXX, stating " Consumer disputes this account information '' while continuing to report the account without any resolution or reinvestigation. This violates : - FDCPA 1692g ( b ) : Continued collection without validation - FCRA 623 ( a ) ( 1 ) ( A ) : Inaccurate or incomplete credit reporting - FCRA 623 ( a ) ( 8 ) : Failure to properly investigate a dispute - XXXX XXXX guidelines : Prohibited updates to disputed tradelines without reinvestigation Evidence Summary and Timeline of Violations The following communications and records illustrate a clear pattern of noncompliance with the FDCPA, FCRA, and XXXX XXXX standards by XXXX XXXX XXXX, XXXX XXXX XXXX, and January Technologies , Inc. : XX/XX/year>XXXX  Email from XXXX XXXX XXXX indicating account purchase by XXXX. Initial contact did not include a validation notice with supporting documentation. 
XXXX to early XX/XX/year>XXXX  Multiple collection attempts by XXXX via email, without ever validating the debt upon dispute. 
XX/XX/year> Dispute submitted to XXXX XXXX. Case # XXXX acknowledged. No validation documents ever provided. 
XX/XX/year> XXXX  credit alert : XXXX updated tradeline comments to state Consumer disputes this account information without having responded to dispute or conducted reinvestigation. 
XX/XX/XXXX XX/XX/year> January Technologies began emailing and collecting on the account, with no reference to ongoing dispute, and no documentation provided. 


These communications constitute the following violations : - FDCPA 1692g ( a ) : Failure to provide required validation documents. 
- FDCPA 1692g ( b ) : Continuing collection activity without validation.

- FCRA 623 ( a ) ( 1 ) ( A ) : Inaccurate/incomplete tradeline reporting.

- FCRA 623 ( a ) ( 8 ) : Failure to conduct reinvestigation of disputed account. 
- XXXX XXXX Guidelines : Impermissible credit reporting updates during active dispute. 


All of the above is documented by email records, credit alerts, and screenshots of credit reporting. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, compel the permanent removal of the tradeline, and sanction the involved parties as appropriate under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation