Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: AZ

Complaint narrative:
Legal Demand Letter Failure to Validate Debt & Unfair Collection Practices XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX To : Legal Department XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX CC : Zion Debt XXXX XXXX  ( Collection Agency ) XXXX XXXX XXXX XXXX XXXX UT XXXX RE : Formal Demand Failure to Validate Debt, Unfair Collection Practices, and Blocked Consumer Communication To Whom It May Concern, This letter serves as a formal legal notice and demand for compliance with the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) regarding an alleged debt associated with my XXXX XXXX XXXX account. 
On XX/XX/XXXX, I received an email from XXXX XXXX XXXX stating that my account was closed. I had no further contact from XXXX no emails, calls, or billing notices for more than one year and seven months. Then, in XX/XX/XXXX, I received a collection notice from Zion Debt XXXX claiming I owe a balance. 
Since receiving that notice, I have made multiple attempts to contact XXXX directly to resolve or verify this issue. However, XXXX has effectively blocked my communication and denied me access to my account information : When I call using the phone number associated with my account, I am automatically transferred to Zion Debt without any option to speak to a XXXX representative. 
If I call from another phone number, I can reach XXXX, but once I provide my name, phone number, or account information, I am immediately transferred to Zion again. 
During online chat sessions, XXXX agents have disconnected the chat after stating the account is closed and that they can not provide any further information. 
XXXX representatives have hung up on multiple occasions when I requested a copy of my contract or billing details. 
This behavior constitutes unfair and deceptive collection conduct. It effectively prevents me from exercising my consumer rights to request information, validate the debt, or review my contractual obligations. 
Furthermore, XXXX only response to my written validation request was a generic claim that I owe the money, with no documentation provided no contract, no billing statements, and no record of communication attempts. This failure violates FDCPA 809 ( b ), which requires proper verification before continuing any collection efforts. 
If XXXX or its agents have reported this alleged debt to any credit bureau without providing validation, such reporting is a violation of FCRA 623 ( a ) ( 1 ) ( A ), as the information would be incomplete, inaccurate, and unverified. 

I hereby demand the following actions within 15 business days : 1. Immediate cessation of all collection and reporting activity by XXXX or Zion until full validation is provided. 
2. Full validation of the alleged debt, including : A copy of the original signed service agreement, A complete billing and payment history, Proof of account closure dated XX/XX/XXXX, Documentation of any contact attempts made before assigning the account to collections. 
3. Written confirmation that XXXX will not report or has removed any related information from my credit reports until this dispute is resolved. 
Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the [ Your State ] Attorney Generals Office, along with possible pursuit of civil damages for FDCPA and FCRA violations. 
I request that all future communication be made in writing only to the address above. 
Sincerely, XXXXXXXX XXXX XXXX XXXX

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