Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Mountain Land Collections , Inc . * * Account Information * * * Balance Reported : {$900.00} * Highest Balance Reported : {$1400.00} * Date Opened : XX/XX/year> * Account Status : Open Collection Account * Original Creditor : XXXX XXXX XXXX XXXX XXXX. * Remark : Placed for Collection * * Complaint * * I am filing this complaint against Mountain Land Collections , Inc. regarding a collection account being reported on my consumer credit reports that I dispute. Mountain Land Collections is reporting a collection account with a balance of {$900.00} allegedly associated with XXXX XXXX XXXX XXXX XXXX. I dispute the validity, accuracy, ownership, completeness, and amount of this alleged debt and request a full investigation. Because this account appears to originate from services provided by XXXX XXXX XXXX XXXX XXXX, I request documentation demonstrating the nature of the underlying obligation, the services allegedly provided, the charges assessed, and the basis for the amount being reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Furnishers may not furnish information they know or have reasonable cause to believe is inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, furnishers must conduct a reasonable investigation, review all relevant information, and correct or delete any information that can not be verified. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors may not use false, deceptive, misleading, unfair, or unconscionable means to collect debts. Debt collectors must possess sufficient documentation to establish the validity of the debt, the amount owed, and their authority to collect it. I request that Mountain Land Collections provide : 1. Documentation identifying the nature of the alleged debt and services provided by XXXX XXXX XXXX XXXX XXXX. 2. An itemized statement showing how the balance was calculated. 3. Documentation proving I am legally responsible for the debt. 4. Documentation establishing Mountain Land Collections ' authority to collect the debt. 5. Any assignment, placement, or collection agreements authorizing collection activity. 6. Copies of invoices, billing statements, contracts, service records, or other records supporting the balance. 7. Documentation showing all payments, credits, insurance payments, adjustments, write-offs, and offsets applied to the account. 8. Documentation establishing the date of first delinquency. 9. Copies of any records used to verify the account during prior disputes or investigations. 10. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and Metro 2 reporting standards. The Consumer Financial Protection Bureau has emphasized that debt collectors and furnishers must maintain adequate records supporting the accuracy and integrity of information furnished to consumer reporting agencies. If Mountain Land Collections can not provide competent evidence validating the debt, ownership, authority to collect, and balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Mountain Land Collections conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation