Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
HARRIS & HARRIS , LTD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Re : Formal Dispute Original Balance : {$93.00} To Whom It May Concern, This letter is a formal dispute of the validity and accuracy of the collection account referenced above, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

Upon review of my credit report, I noted that you are reporting a collection account with a balance of {$93.00}, opened on XX/XX/XXXX, and still listed as past due as of XX/XX/XXXX, despite the balance showing as 0 % paid off, which is contradictory and misleading.

I am disputing this account on the following legal grounds : Inaccurate and misleading reporting The status shows {$93.00} past due even though no ongoing balance activity or clear payment status has been reported. This constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ) which requires that furnishers provide accurate and complete information to consumer reporting agencies.

Incomplete and unverifiable account details No original creditor information, contract, or breakdown of charges is provided. Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), you are legally required to verify the debt with documentation upon request, which I hereby make.

No clear date of delinquency Without a confirmed date of first delinquency, this account may be illegally re-aged. Per FCRA 605 ( c ), accurate dating is required to ensure correct reporting periods.

Material misrepresentation of status This accounts original balance is under {$100.00} and, according to XXXX  guidelines, should not impact my XXXX XXXX XXXX. However, your reporting still damages my creditworthiness due to the derogatory classification, and your failure to clarify this may amount to deceptive and unfair reporting.

Furthermore, your comments state : " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' yet the account remains on my report without a documented reinvestigation or verification process, which violates FCRA 611 ( a ) ( 1 ) ( A ).

DEMAND FOR IMMEDIATE ACTION : I hereby demand that you : Immediately delete this account from all credit reporting agencies ( XXXX XXXX and XXXX ). 

Provide full validation of the alleged debt, including : The original signed contract A full accounting of the balance The date of first delinquency Your method of verification as per FCRA 611 ( a ) ( 7 ) Cease all collection activity until the above has been provided in writing.

If you can not provide full and proper documentation as required by law within 30 days of receipt of this notice, you are obligated to permanently remove this account from all reporting agencies.

Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuit of legal remedies for violations of the FCRA and FDCPA under 15 U.S.C. 1681n and 1681o.

This is not a refusal to pay, but a notice that your claim is disputed and not legally verifiable as currently presented. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation