Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT WORLD SERVICES, INC.
State: FL

Complaint narrative:
NOTICE OF INTENT TO SUE/ PRE-SUIT DEMAND To Whom It May Concern : This letter serves as formal notice of my intent to file a civil lawsuit against Credit World Services , Inc. if the violations described below are not immediately cured. This notice is provided pursuant to applicable Florida pre-suit notice requirements and is intended to afford your company an opportunity to resolve this matter without litigation. 

Background and Prior Notice On no fewer than six ( 6 ) separate occasions, I notified Credit World Services , Inc. in writing that : I dispute the alleged debt in its entirety ; I do not owe the alleged debt ; I demanded full and lawful validation of the alleged obligation ; and I demanded that all collection activity cease, including credit reporting.

Despite repeated written notice, Credit World Services has continued to furnish and publish the alleged account on my consumer credit reports without providing the validation required by law.

Credit Reporting Is a Collection Activity Both the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) recognize that furnishing information to consumer reporting agencies in connection with a debt constitutes a collection activity. 

Under Regulation F, 12 C.F.R. 1006.2 ( a ), debt collection includes activities taken in connection with the collection of a debt. The CFPBs Official Interpretations expressly clarify that credit reporting is a collection activity when used to induce payment.

Further, 12 C.F.R. 1006.38 ( c ) provides that once a consumer disputes a debt and requests validation, a debt collector must cease all collection activity until verification is provided, including credit reporting.

Right to Cease and Desist Collection Activity Under 15 U.S.C. 1692g ( b ) ( FDCPA ), once a consumer disputes a debt in writing and requests validation, the debt collector must cease all collection activity until validation is mailed to the consumer.

Additionally, under 15 U.S.C. 1692c ( c ), a consumer has the right to demand that a debt collector cease further communication, which includes indirect collection efforts such as credit reporting.

Your continued furnishing of this account after my cease-and-desist and validation demands constitutes unlawful collection activity. 

Failure to Validate the Alleged Debt To date, Credit World Services has failed to produce any lawful validation, including but not limited to : A contract or application bearing my signature or other competent proof of assent A complete itemization of the amount allegedly owed Proof of ownership or assignment establishing your legal standing An authenticated, unbroken chain of title from the original creditor Absent this documentation, the alleged debt is not legally valid, enforceable, or verifiable. 

Unlawful Continued Reporting While Unvalidated Under 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1006.38 ( c ), continued credit reporting while a validation request remains unresolved is prohibited.

Further, under the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( b ) requires a furnisher, upon notice of dispute, to conduct a reasonable investigation and delete or correct information that can not be verified.

15 U.S.C. 1681e ( b ) requires that only accurate and verifiable information be reported.

Because Credit World Services has failed to validate the alleged debt, continued reporting constitutes the furnishing of inaccurate and misleading information in violation of the FCRA.

Repeated Disputes and Notice I filed disputes : Twice through XXXX, Through the other consumer reporting agencies, and Twice directly with Credit World Services , Inc . 

Despite these disputes and notices, Credit World Services continues to report this account without validation, demonstrating willful noncompliance.

Statutory Liability and Damages Under 15 U.S.C. 1681n, willful violations of the FCRA subject a furnisher to statutory damages of up to {$1000.00} per violation, plus actual damages, punitive damages, attorneys fees, and costs.

Each unlawful act of continued reporting after notice constitutes a separate violation. Based on six ( 6 ) documented violations, my statutory damages currently total {$6000.00}, exclusive of actual and punitive damages.

Demand to Cure Accordingly, I hereby demand that Credit World Services , Inc. : Immediately delete the alleged account from XXXX XXXX  and XXXX  ; Cease all collection and furnishing activity permanently ; Provide written confirmation of deletion within fifteen ( 5 ) days of receipt of this notice. 

Notice of Intent to Sue If this matter is not resolved within the time stated above, I will proceed with filing a civil lawsuit without further notice, seeking statutory damages, actual damages, punitive damages, attorneys fees, and costs under the FCRA, FDCPA, Regulation F, and applicable Florida law. 

This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. I need to see a copy of the purchase agreement as other companies are contacting me about this alledged debt which I doesn't owe. The FCRA gives me the right to request such a documents and if you are unable to present such documents then you can not state on my credit report that I owe you money Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Florida

Company response to consumer: Closed with explanation