Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: The Commercial Collection Corporation of New York, Inc.
State: NC

Complaint narrative:
The Commercial Collection Corp of NY , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Inaccurate Collection Account - Request for Deletion To Whom It May Concern : I am writing to formally dispute an inaccurate collection account currently appearing or likely to appear on my credit report. I have recently received a collection notice from The Commercial Collection Corp. of NY , Inc. regarding an alleged debt for XXXX XXXX ( Ref XXXX XXXX XXXX XXXX XXXX ). 

I am disputing this debt in its entirety due to inaccurate information and failure to validate the identity of the responsible party. 

The collection letter is addressed to " XXXX XXXX '', which is NOT my name. My legal name is XXXX XXXX XXXX. This significant discrepancy in the name indicates a failure in the data integrity and matching procedures used by the legal parties and potentially by your agency if this account is being reported to my file. 
Legal Precedence & CFPB Guidance : I would like to draw your attention to the Consumer Financial Protection Bureau ( CFPB ) Advisory Opinion on Name-Only Matching Procedures ( XXXX  ), which explicitly states that matching consumer records based on name aloneespecially incorrect or partial names like " XXXX XXXX XXXX does not satisfy the " reasonable procedures to assure maximum possible accuracy '' standard required by Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, recent enforcement actions, such as CFPB XXXX XXXX XXXX ( XXXX  ), have reinforced the requirement for credit reporting agencies to conduct reasonable reinvestigations and maintain strict accuracy standards. Reporting an account under a clearly incorrect name violates these federal standards. 
Cease and Desist Notice : Please also note that as part of this dispute, I am demanding that the collection agency cease and desist all further communication with me regarding this matter. I request that you suppress this item from my credit file immediately to prevent further damage to my creditworthiness caused by this erroneous reporting. 

Request for Action : 1. Investigate this account ( account ) immediately.

2. Indicate and show the wet signature of the account.

3. Show the payment history of the account if any from the onset of the acct being created ( ledger of the account ) 4. Delete this account from my credit report ( if any ) due to the fatal inaccuracy in the consumer 's name ( " XXXX XXXX '' vs. " XXXX XXXX XXXX '' ). 
5. Send me an updated copy of my credit report showing this item has been removed if they exist at all.

XXXX. And finally, I did not authorize XXXX to share any information with anyone or third-party organization, you have received information that is incorrect, whereby the only thing correct is my address and email. XXXX submitted information to your organization without my consent. 
XXXX. Please remove any information associated with my email address and home address ; please discontinue any more communication associated with this transaction.

Company response to consumer: Closed with explanation