Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Zions Debt Holdings
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting Account with Zions Debt Holdings/ XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute a negative item that recently appeared on my credit report. On XX/XX/XXXX, I was notified via XXXX XXXX that my credit score had dropped significantly. Upon investigation, I discovered that a collection account had been filed against me by Zions Debt Holdings in the amount of {$1000.00}, related to XXXX XXXX XXXX. I am requesting that this account be thoroughly investigated and removed from my credit report, as it is inaccurate and unfairly damaging my credit. 

In XX/XX/XXXX, I contacted XXXX to cancel my home security service due to moving to a new residence. During that call, the representative refused to process the cancellation, claiming that I had recently agreed to a new contract over the phone. When I asked for a copy of the contract and proof of this recorded agreement, I was told that it was allegedly my wife who had agreed to the terms. I clearly explained that I live alone and have never had a spouse. 

When I escalated the issue to a supervisor, I was told the same story. After a lengthy back-and-forth, the supervisor offered to release me from the contract if the new homeowners at my previous address agreed to continue the service. The new owners declined. I then reiterated my final request to cancel all services at my former address on XXXX XXXX. 

Months later, the new owners contacted me, asking for XXXX contact information due to alarm alerts at the home. Eventually, after several requests from them, XXXX  finally removed the equipment and discontinued the service at that location. 

Despite my repeated efforts to cancel the service and the lack of proof of any valid new contract, I am now being held responsible for charges I did not authorize or benefit from. I contacted Zions Debt Holdings and requested a copy of the contract that XXXX had refused to provide me back in XXXX. 

Upon reviewing the available documentation and my original contract dated XX/XX/XXXX, I found that the terms allowed for cancellation at any time a right I exercised. I was still billed after the cancellation, and for services I did not receive. 

Furthermore, I have been paying for XXXX services at my new residence since XXXX. I can provide bank statements to verify ongoing payments for my current service. 

In light of this information, I respectfully request that this account be removed from my credit report. The debt is not valid, and the reporting of it is misleading and harmful. Please conduct a full investigation and correct this inaccurate entry. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

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