Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: VA

Complaint narrative:
I am filing this complaint against XXXX for multiple violations of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with an unrecognized account reported by Zion Debt Holdings ( Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount reported : {$3100.00} ). I have no knowledge of this account. I have never entered into any agreement with Zion Debt Holdings, never conducted any business with them or any original creditor they claim to represent, and never opened, authorized, or acknowledged any account associated with this alleged debt. This account does not belong to me. Additionally I am locked out of seeing the dispute results online getting an error message to " try again later ''. Lastly, I created a new consumer statement on XX/XX/XXXX to reflect what is currently happening and it was replaced with a previous consumer statement from XXXX. I am reporting the following sequence of events, each of which represents a serious concern : 1. UNAUTHORIZED DISPUTE CANCELLATION On XX/XX/XXXX, I submitted a formal written dispute to XXXX regarding the Zion Debt Holdings account. On the morning of XX/XX/XXXX, I received an email notification from XXXX stating that my request to cancel the dispute had been received. I did not submit any cancellation request not online, not by phone, not in writing, and not through any third party. Someone cancelled my dispute without my knowledge or authorization. This is a direct violation of my rights under FCRA 611 ( 15 U.S.C. 1681i ), which guarantees my right to dispute inaccurate information and have it reinvestigated. 2. PORTAL LOCKOUT FOLLOWING UNAUTHORIZED CANCELLATION After discovering the unauthorized cancellation, I attempted to refile my dispute through XXXX 's online portal. I was informed that XXXX only permits one dispute every 30 days. Because an unauthorized party cancelled my active dispute, I am now locked out of XXXX XXXX online dispute system for 30 days through no fault of my own. The FCRA imposes no such waiting period between disputes this is XXXX 's internal policy, and its application in this circumstance has effectively denied me my federally protected right to dispute. This 30-day lockout, triggered by an unauthorized cancellation, appears to be a deliberate interference with my consumer rights. 3. REPORTING OF UNVERIFIED ZOMBIE DEBT Zion Debt Holdings is a debt buyer that appears to have purchased this alleged debt as part of a bulk portfolio with little to no original documentation. Despite this, XXXX continues to report this unverified account on my credit file. XXXX 's reinvestigation process relies heavily on the automated e-OSCAR system, which allows furnishers to electronically confirm disputed accounts without producing any actual documentation. This does not constitute a reasonable investigation under the FCRA. I am requesting that the CFPB : 1. Investigate the unauthorized cancellation of my dispute and determine who submitted it and through what channel 2. Investigate XXXX 's 30-day portal lockout policy and its impact on consumers ' federally protected dispute rights 3. Require XXXX to immediately reinstate my dispute and begin a full reinvestigation 4. Require XXXX and Zion Debt Holdings to produce actual documentation proving this debt belongs to me 5. Direct XXXX to delete this account immediately if proper documentation can not be provided 6. Take any additional enforcement action warranted by the facts I am retaining all correspondence, including the unauthorized cancellation email, as evidence and am prepared to pursue all available legal remedies if this matter is not resolved promptly. Desired Resolution : Immediate reinstatement of my dispute, full reinvestigation, and deletion of the Zion Debt Holdings account from my XXXX credit file with written confirmation of that deletion.

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