Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX SSN : XXXX Date : XX/XX/2026 Cherry Technologies Inc . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Subject : Litigation-Ready Notice of Dispute, Demand for Investigation, and Method of Verification To Whom It May Concern, This correspondence serves as a formal dispute and litigation-ready notice regarding the account your company is reporting and/or attempting to collect in my name. I have reason to believe that the alleged debt associated with this account has been canceled and reported to the Internal Revenue Service through the issuance of a Form 1099-C ( Cancellation of Debt ). If this debt has been canceled and reported to the IRS, continued reporting of a balance or continued collection activity may constitute inaccurate and misleading reporting. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), furnishers of information to consumer reporting agencies have a strict legal duty to report only information that is complete and accurate. Specifically, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, a furnisher must : Conduct a reasonable investigation Review all relevant information provided by the consumer Report the results of the investigation to the consumer reporting agencies Correct, delete, or modify information found to be inaccurate or unverifiable If your company continues to report information that is inaccurate, misleading, or can not be properly verified, such conduct may constitute willful or negligent noncompliance under federal law. Under 15 U.S.C. 1681n, any person who willfully fails to comply with the requirements of the Fair Credit Reporting Act is liable for statutory damages, punitive damages, and attorneys fees. Under 15 U.S.C. 1681o, any person who is negligent in failing to comply with the Act is liable for actual damages and legal costs. Additionally, any attempt to collect a debt that has been canceled or misrepresent the legal status or amount of a debt may al so constitute a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). Therefore, I am demanding that Cherry Technologies Inc. conduct a thorough investigation and provide the following documentation : The complete method of verification used to verify the alleged account. The original signed contract or agreement bearing my signature. Documentation proving that the alleged debt remains legally enforceable despite the issuance of a Form 1099-C. A full accounting of the alleged debt, including the calculation of the balance. The name, title, and address of the individual who verified the accuracy of the information being reported. If your company can not provide competent evidence validating the debt and its legal status, you must immediately : Cease all collection activity Notify all consumer reporting agencies to delete the account from my credit file Please be advised that failure to correct or remove inaccurate information after receiving this dispute may constitute willful noncompliance with federal law. I reserve the right to pursue all remedies available to me, including filing complaints with regulatory agencies and initiating legal action seeking damages permitted under federal law. You have thirty ( 30 ) days from receipt of this notice to complete your investigation and provide a written response. This letter serves as a good-faith effort to resolve this matter prior to the initiation of further legal proceedings. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation