Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Child Support Recovery Services, Inc.
State: WA

Complaint narrative:
In XXXX, I was lured into signing an Income Share Agreement ( XXXX ) with a company called XXXX for an IT training program that was supposed to be provided as part of the agreement. XXXX falsely promised a lifechanging career and guaranteed job placement as part of the training, but none of these promises were fulfilled. XXXX appeared to focus its marketing on individuals who were unfamiliar with XXXX training and employment practices, including people with limited XXXX proficiency, which made them more vulnerable to the misleading claims and scripted testimonials used to persuade them into signing the agreement. XXXX also used individuals to provide scripted testimonials and presented a false success story to convince me to enroll. In XX/XX/year>, the original XXXX was signed through XXXX XXXX XXXX XXXX. However, after the course began, XXXX required students to sign a second contract through another platform, XXXX, without providing any explanation for the change. In the middle of the training, XXXX informed students that things had changed and that job placement would now require additional payments, even though job placement had originally been advertised as included. The training itself was conducted in XXXX, even though the business was registered in the United States, and the individuals conducting the training used different names. The program did not match what was advertised, and no legitimate service was delivered. At no point did XXXX provide any written disclosures, refund policies, or documentation explaining my rights under the agreement, and they refused to provide any records when I later requested them. The lack of transparency around the contract, the sudden switch from XXXX to XXXX, and the unexpected additional charges made it impossible to understand the terms or verify the legitimacy of the debt. Despite the lack of service, XXXX reported a debt of over {$15000.00} to the credit bureaus. The debt was later placed with XXXX XXXX, who is now attempting to collect on it. I disputed the account with the credit bureaus and requested verification of the debt, including documentation proving the validity of the XXXX, proof that services were provided, the original contract, and any records used to report the debt. I also requested clarification about the companys operations and the inconsistencies in how the training was conducted. XXXX removed the account due to lack of sufficient verification. However, TransUnion reinstated the debt after XXXX Collections responded, even though no documentation or proof of service was provided. TransUnion also stated that I could not dispute the account again, even though the debt remains unverified. I filed both a police report and an FTC report regarding this issue. To date, neither XXXX nor XXXX Collections has provided any documentation proving that the debt is valid or that the contracted service was ever delivered. The debt is not legally owed, and the continued reporting and collection attempts are causing harm. I am requesting that this debt be investigated and removed, as it is invalid and unsupported by any legitimate documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation