Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Credit Corp Solutions Inc for what I believe to be fraudulent, inaccurate, and unverifiable reporting of a collection account on my credit reports with XXXX XXXX, and XXXX. 

This account is listed under the name Credit Corp Solutions Inc with a reported balance of {$8900.00} ( Account XXXX XXXXXXXX ), showing as opened XX/XX/year>2025, and reported on XX/XX/XXXX, 2025. XXXX  XXXX incorrectly lists Credit Corp Solutions Inc as the original creditor, when in fact they are a debt buyer and not the originating lender. My records indicate the original creditor was XXXX XXXX, which is not accurately disclosed. This misrepresentation of the original creditor is materially misleading and violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ).

This account has never been validated or verified under federal law, despite my right to request this. Credit Corp Solutions Inc has failed to furnish : A signed contract or agreement bearing my signature with the original creditor XXXX XXXX XXXX  ) Complete billing statements or itemized account history from the original creditor A valid chain of assignment or proof that Credit Corp Solutions Inc legally owns or has been assigned the alleged debt Any indication they are the bona fide owner and not merely a third-party debt buyer attempting to collect on a securitized or otherwise uncollectible account Proper compliance with XXXX XXXX standards required for lawful credit reporting Despite being a debt buyer, Credit Corp Solutions Inc continues to report this account as an active collection, including past-due balances and negative payment history, which I believe to be knowingly false and materially misleading, in violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). They have also failed to mark this account as disputed under FCRA 623 ( a ) ( 3 ) in past instances, and are reporting derogatory information without sufficient investigation as required under FCRA 1681s-2 ( b ) and 1681i.

What information I am requesting : Full debt validation under FDCPA 809 Legal verification under FCRA 611 ( a ) Proof of assignment and ownership of the alleged debt from the original creditor Original XXXX XXXX  credit agreement and all account-level documentation All data used to substantiate and continue furnishing this account to the CRAs All information shared with or received from the CRAs under the reinvestigation process Compliance with XXXX XXXX Format Reporting Guidelines including accurate reporting of original creditor, account status, dates of first delinquency, payment history, and furnisher codes This derogatory, fraudulently reported, and unverified collection is materially inaccurate, negatively impacting my credit score, access to credit, reputation, and financial standing. I have suffered concrete harm from being denied credit, facing higher interest rates, and enduring financial XXXX, all caused by noncompliant, unlawful reporting and collection attempts.

Company response to consumer: Closed with explanation