Zions Debt Holdings CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 119XX	Web
Zions Debt Holding XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX www.zionsdebtholdings.com regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX I received a debt collection doc XX/XX/XXXX and sent it back to them ( Zion ) saying the debt shouldn't be valid, it's wrong, I dispute it and I wanted them to send me validation of the debt. I never received any documents from Zions debt holdings validating the debt they are saying I owe. I had protect america security monitoring services in XXXX I signed with them. They never said to me I could never get out of the monitoring contract ; they said they ask that I stay with them for three years. right off the bat that's deceitful. I wasn't aware that the company could be bought over by another and it was by a company that I did not like, XXXX. I called them right away and told them that I was not happy and dissatisfied they had bad reviews, I asked them if Im not happy I can leave because I didn't sign with them originally and I wasn't happy they said yes absolutely. why shouldn't there be an out clause since that was out of my control. I don't trust XXXX and don't like the company and I told them that I was also having a hardship due to the pandemic. I am XXXX and lost help from a family member and was left with my one Small SSDI payment. I told them I wasn't going to stay and they had to close my account and I thought they did as my cameras stopped working. all my equipment went red and I thought that was because of them. later on I receive a collection notice from XXXX XXXX and XXXX and I went back and forth explaining my situation and told them to listen to the phone recordings from XXXX and that they said I could close my account without a doubt. all of a sudden they stopped responding, I left messages, emails etc. a year went by and I get a new document in the mail from Zion Holdings. I explained my situation and sent all my paperwork to them showing and explaining that the other company stopped all correspondence and abandoned me, not the other way around. I told them the debt shouldn't be mine and it's unfair that the contract has no out clause when being bought over but XXXX didn't have an issue with me leaving ; but I would try and negotiate and pay small amounts totaling 150 to XXXX XXXX and XXXX, I never received a response from them. over a year passed and now Zion sends me a paper saying I owe the debt, I ask for validation by sending the document they sent me but I never receiving anything from them. I thought by law they need to send that to me? I sent them all my correspondence from the previous debt firm and they just basically ignored the fact that I said the debt is incorrect and disputed and XXXX closed my account and that I'm XXXX, Im struggling and I am on SSDI and that I can't afford and wouldn't pay a debt I don't owe. they kept sending an email ignoring my hardship and saying they will settle for 400 and they won't put the collection on my credit report. That sounds like harassment and bullying to me. so they get to say how much I should pay, and how much they will settle for but forget about the XXXX mom with kids who is try9ing to survive.im still suffering and on a ton of medication and don't have that kind of money but Zion keeps on saying " they will settle for 400, if yes they won't put the debt on my credit report '' again to me. that's not working, or negotiating with a low income XXXX mom, that's harassment. they want at least 400 or they put the debt on my credit report and ruin it. I became sick and went to respond back to Zion only to find out they went and slapped the debt on my report on XX/XX/XXXX. I don't understand how they can just do that. what about my phone calls with XXXX and them telling me because I'm not happy and having a hardship its okay to close my account? ( that doesn't count? ) they are true and what I'm saying doesn't matter? why do they get to tell experian and transition that I Owe the money and, their word is better than mine. I told XXXX my situation and still the debt is on my credit as a collection. there should be legal advice provided to me before this goes that far. this will be on my credit for 7 years ; that's huge!!! all because they said they bought a debt that XXXX told me I didn't owe. shouldn't it be abandoned after I never reveived a response back from the first debt buyer XXXX XXXX and XXXX? why do they get to disappear and stop responding for a year leaving me in the lurch only to pass this on to someone else???? its abandonment and XXXX never sent me validation of the debt.I never received any certified mail saying the debt was validated. Debt collection and buyers should not be able to just place amounts on your credit report, debt shouldn't Be passed around, bought and sold, what is this???? why is it ok to pass a debt around to anyone for years until one of the companies gets ticked off and puts it on your report. why do they have the power to do so? there should be a statute of limitations on this, it shouldn't be bought unless the company folds and if they don't respond back to a person for months that's a cease communication on them not the person. I feel I have no rights as a citizen at all and that this collection company can do whatever they want and dangle this debt over me because they know I don't want it on my report. I don't have the money and dispute the debt? I get no say or rights, they just say she owes this amount and the credit bureau puts it on. I should get copies of everything they send to the bureau about me and this case since its affection me. I didn't receive anything ; I want to see what they supplied the bureau and how they are proving that this debt is mine? anyone can type up an invoice and say you owe this amount! please listen to the recorded phonically between XXXX and I, they are recorded for monitoring purposes correct????? why do they have that if they aren't going to go back and use them. why is their word holding more value than mine???? they said I could suspend and close my account and I thought that happened. Their own ppwk states that if I write to them by XXXX we must stop election on any amount you dispute until we send you information that shows I owe the debt. I never received this and am still waiting for proof that I owe the amount they claim I do and it shouldn't just be because XXXX says so since they were supposed to stop my account as per my phonecall in XXXX with them and they never did. I know there are others like me out there that feel this is wrong and this is all one sided; legal representation should be provided for people like me in this situation who are XXXX and having a hardship. people who are in this country illegal can get legal representation right away and help ; I'm a citizen and should be entitled to legal help when it comes to disputes that can end up ruining your credit report! why can't I get legal help for free with my situation, I feel hopeless and exhausted and have nobody to help me, I'm trying to defend myself but I can't on my own ; why? XXXXIt states on XXXX website that I can cancel my contract at any time and zion holdings is telling me I couldn't cancel the contract but its listed on the XXXX website in writingXXXX my contact information is XXXX XXXX XXXX XXXX XXXX. I would like this investigated please if possible!
12/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38125	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that ZIONS DEBT HOLDINGS had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that ZIONS DEBT HOLDINGS open account was opened on XX/XX/2022 with a balance of {$1000.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( XXXX ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( XXXX ) contractual proof of obligation or an assignment SIGNED from an XXXX from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. XXXX not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making home renovations. Please help me get this account removed immediately. As a consumer, XXXX publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. ZIONS DEBT HOLDINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37221	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that ZIONS DEBT HOLDINGS had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that ZIONS DEBT HOLDINGS open account was opened on XX/XX/2022 with a balance of {$4600.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. ZIONS DEBT HOLDINGS XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
09/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89014	Web
I received phone calls, text messages, and one notice on the mail dated XX/XX/XXXX from ZION DEBT HOLDINGS. With so many scammers, I initially dismissed the calls and texts, but with the notice, I did a bit of research and was not fully convinced. The more I delved into the details of the written notice, I saw that much of the information was not accurate, which further made me suspect that this was indeed a potential scam. Thus, on XX/XX/XXXX I formally responded to the notice by disputing the claim in writing in order to stop any further collection, as it is stated in the notice ( see attached document ). I was glad I took a screenshot of my email to them and confirmation of receipt, since they provided no other proof or thread that a client contacted them. Among my concerns listed were that my account number was not accurate, I was not a client of XXXX on the date XX/XX/XXXX that they list I received service on the notice- which is further supported by my bank statements due to being enrolled in auto-pay. My last recurring payment was on XX/XX/XXXX. Lastly, the base amount of {$47.00} owed from the XX/XX/XXXX " service provided '' was an amount I NEVER managed with XXXX XXXX On XX/XX/XXXX, XXXX XXXX from Zion Debt Holdings simply emailed four attached documents that contained 1 ) my original contract with XXXX from XXXX 2 ) a new invoice from Zion Debt Holdings with the breakdown that total {$130.00} 3 ) a letter dated XX/XX/XXXX from XXXX, stating XXXX XXXX purchased my debt in XX/XX/XXXX. 4 ) a " customer billing history '' starting from XX/XX/XXXX showing all payments and credits made on my account. On XX/XX/XXXX, after thorough review of the documentation, I replied to XXXX XXXX 's email that the payment history provided was inaccurate and that I finalized payments in XX/XX/XXXX. And I asked for advisement. Later that night, I checked my bank account that also provided my credit score and realized that Zion Debt Holdings had already proceeded to report the claim to my credit. From the initial written notice, I was under the impression that this claim was in the process of being disputed. I was not afforded a reasonable time to respond to her email, nor was I notified that they were going to proceed with reporting the claim to the credit bureaus thus AFFECTING MY CREDIT. I received the email on XX/XX/XXXX from Zion Debt Holdings, and according to my bank, they reported the claim on XX/XX/XXXX. NOT EVEN FIVE BUSINESS DAYS for my credit to be affected - something I take great pride in. On XX/XX/XXXX at XXXX, I ATTEMPTED to contact XXXX XXXX company via phone, but since the automated phone system recognized my number and when asked to confirm which home address I was calling in regards, I was automatically redirected to Zion Debt Holdings. I spoke to a representative named XXXX. He pulled up my account and verbally reviewed my " debt. '' We spoke about : ->How this debt was not even possible if I was enrolled in Auto-Pay from the very beginning in XXXX. My account was canceled and closed in XX/XX/XXXX and I never received any other requests for payments from XXXX beyond that - I would have had no problem paying. I requested further documentation from him on proof of request for payments. He stated that I could contact XXXX. I mentioned that I indeed attempted to contact them, but it only redirected me to the Zion Debt Holdings phone number. He said he could only go off of the information listed. ->Given the information, I brought to his attention that according to the " Customer Billing History, '' it states that I have an Outstanding Balance of ZERO dollars. And that the services rendered on XX/XX/XXXX, are actually a CREDIT to my account of {$47.00}, not a charge/debit as they are claiming. XXXX was unresponsive. XXXX As shown on the attachment of the mail written notice, I also mentioned to XXXX that I considered making the payment of {$47.00}, plus {$24.00} in interest because that is what was listed, but I believe it was always very SUSPICIOUS how it came to be the magical number of owing them {$130.00}. XXXX stated that it was {$60.00} of late fees. However, I argued that I only knew that until I was given this NEW INVOICE in the XX/XX/XXXX email, but not prior. And yet, your company was already asking for the full amount of {$130.00} in the XX/XX/XXXX letter, even if I paid prior to the deadline of XX/XX/XXXX. I asked if he would have given me a refund of {$60.00} if I paid prior to XX/XX/XXXX and XXXX didn't respond - further proof that Zion Debt Holdings intended to act disingenuously. XXXXI told him I knew he was just doing his job, but this was all very upsetting and I shared that I would be filing a claim. XXXX gave me the address for Zion Debt Holdings for where to forward the complaint. XXXXHe also clarified that with debt collectors, they don't keep adding to the debt, it will remain that amount on my credit report. I asked to make sure I wouldn't be surprised with additional interests or more hidden fees. XXXX never gave me the opportunity to pay in a timely manner despite having been a loyal paying customer for years with an established recurring-payment plan. I've never defaulted on payments and my credit score reflects that I would never deliberately ignore a financial responsibility. I wholeheartedly disagree with all these actions taking place behind my back. From XXXX not notifying me if I indeed had a supposed debt, and then Zion Debt Holdings adding secret fees, in addition to damaging my credit without allowing reasonable time for me to dispute. I truly appreciate your time and attention to this matter.
07/31/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33325	Web	Older American, Servicemember
Hello, Reference # I attempted to get this fraudulent derogatory item deleted from my credit report, but Zion Debt Holdings XXXX replied with a fraudulent document containing my signature with numerous errors from the spelling of names to the grammatical errors. I'm an intelligent, well educated man possessing fine penmanship and grammar skills. I do not recognize the writing on this single page contract and I surely didn't fill it out, appearing to sign my name one way and printing my last name as another ( XXXX ) and then crossing it out. Also, why would my son appear to sign his name with the correct spelling and then print his own name incorrectly? Can someone please address these questions? This is fraud! Again... remove this item from my credit report. I don't owe these people anything. Zion Debt Holdings LLC practices the same unethical business ethics as XXXX. I sent you info on Zion, please see info below concerning XXXX. Updated Lawsuit : XX/XX/XXXX Vivints sales staff stole peoples personal information to approve others for loans, said XXXX XXXX, Acting Director of the FTCs Bureau of Consumer Protection. For misusing consumer credit reports and other sensitive data, and harming peoples credit, this company will pay {$20.00} XXXX. Another Updated Lawsuit : Judgment was rendered on XXXX XXXX as a jury awarded XXXX XXXX more than {$180.00} XXXX in damages in a deceptive sales practice lawsuit against XXXX XXXX XXXX. Originally filed in XXXX, the lawsuit went to court early in XXXX accusing XXXX of false and deceptive sales practices on the doorsteps and in the homes of significant numbers of XXXX customers across the XXXX in an effort to take over their alarm systems. While were thrilled the trial ended in our favor, I want to be clear that this case is not just about XXXX XXXX, XXXX XXXX XXXX and Founder XXXX XXXX said in a statement issued by the company. We believe that for at least 15 years, XXXX has been taking advantage of vulnerable people across the country through deceptive, misleading, and flat-out false practices. I hope todays verdict will stop their deception for good. The lawsuit accused the XXXX XXXX of using false or misleading information to acquire CPIs customers and lock them into high-priced, multi-year finance and monitoring contracts with them. XXXX XXXX XXXX reached out to XXXX XXXX XXXX for comment on the judgment rendered in the lawsuit and received the following reply : We are extremely disappointed with the jurys decision, which we believe is not legally or factually supported. Furthermore, the amount of damages awarded are egregious and completely disconnected from the total economic impact of any activity that XXXX claims to have occurred with respect to this matter. We intend to file an appeal, pursue all legal options available to us and continue to defend ourselves vigorously. XXXX added, We remain committed to operating with the highest standards of integrity and delivering exceptional service to customers. XXXX has been under fire from multiple sources recently with XXXX filing their own lawsuit against the company earlier this year for patent infringement against XXXX claiming the companys success has been due to the use of XXXX trade secrets and patented technology. XXXX agreed to a settlement of {$10.00} XXXX in XXXX for similar claims made by XXXX, and The Department of Justice fined XXXX {$3.00} XXXX in XXXX for making false statement to customers. I just want my hard-earned credit worthiness reinstated! So far they have placed ( 5 ) late payments on my credit report... destroying my credit worthiness!!!
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20815	Web	Servicemember
Demand statutory compensation of {$1000.00} and deletion of accounts on my consumer report file. XXXX XXXX XXXX has violated XXXX XXXX XXXX ( an account representative ) emailed consumer stating that the furnisher does not need permission to report on consumer report and furnisher dont need to protect the privacy of the consumer Upon my review of my consumer reports it has come to my attention that you ( XXXX XXXX XXXX XXXX are reporting an account/accounts to my consumer reports that I did not give you express permission or permissible purpose to report. 15 USC 1681 b ( 2 ) As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 16 801 My private information is my business, the alleged accounts are my private information, you have reported my private information without my consent. Your actions constitute aggravated identity theft. 18 USC 1021 ( A ) As a consumer you have an obligation to protect my personal non-public information. 15 USC 6801- Protection of nonpublic personal information It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers You reported my confidential and private information to a non-affiliated third party without my permission or without giving proper disclosures. Pursuant 15 USC 6802 15 USC 6802- Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic information to a non-affiliated third party I am requesting all my disclosures pursuant 15 USC 802 B that you should conspicuously disclose to me before reporting of my nonpublic information to non-affiliated third parties I am exercising my right to opt out of having my information reported pursuant 15 USC 6802 B Your actions has caused me and my family severe mental anguish, defamation of character You ( XXXX XXXX XXXX ) have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 18 U.S. Code 1028AXXXX Aggravated identity theft Whoever during and in relation to any felony violation, knowingly transfers, possess, or uses without lawful authority Furthermore you have no lawful authority or permissible purpose to put any account on my consumer reports 15 US Code 1681n- Civil liability for willful noncompliance In general, any person who willfully fails to comply with any requirement out of this subchapter is liable to this consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60302	Web
Debt Collector, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
02/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	UT 84096	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to a bankruptcy Order of Discharge granted to me under 11 U.S.C. 727, I, XXXX XXXX XXXX, am XXXX of many debts, including a specified debt of Vivint ( XXXX XXXX XXXX is how the XXXX. Bankruptcy XXXX spelled it ). The amount of debt, when discharged in a XXXX XXXX was about {$3500.00}. On XX/XX/XXXX, I noticed that a collections agency named XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX reported that I have an active collections with Vivint with the same account number ( XXXX ). I responded with a cease and desist demand letter ( attached ) and cited violations of the FCRA, FDCPA, and Defamation of Character. The certified mail number, as I recall, was : XXXX. Under assumption, XXXX XXXX XXXX should have informed their client, XXXX, of this information. Please bear in mind that the Order of Discharge ( attached ) from the US Bankruptcy Court was transmitted to " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX, UT XXXX, under a Certificate of Notice ( attached ), with XXXX XXXX XXXX XXXX the XXXX of the court who did such action. This was done ( assumingly from the attached order of discharge ) on XX/XX/XXXX. On XX/XX/XXXX, I noticed that a new collections agency, Zions Debt Holdings, XXXX, reported a new open account of collections with the same account number " ( XXXX ) ''. I sent this new collections agency ( attached ) and Vivint a cease and desist notice and intent to report a complaint to your office, the FTC, and the CFPB XXXX Utah XXXX and/or the United States Government as necessary. I also declared intent of litigation if the collections agency does not cure the reporting within 15 days of receiving the letter in certified mail. Certified Mail for XXXX : XXXX and for Zions Debt Holdings XXXX : XXXX. Further, I have submitted a dispute request to XXXX to show this at least to be discharged in Bankruptcy XXXX XXXX. As it stands now, I am having to repeat disputing new collections agencies reporting a debt I was legally discharged from ; and, now I must consider this to be fraudulent activity, at least by XXXX. Furthermore, under the same bankruptcy case and discharge, I have to keep reporting to XXXX and XXXX that a debt being reported as still " Charged-off '' and not " discharged in bankruptcy XXXX XXXX '' by the creditor, LendingClub ( either at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, or at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX I most recently did this at least a third time to XXXX, who claims to agree with the creditor that it is still an open closed charged-off account. This particular account was co-signed by another debtor, XXXX XXXX XXXX ; however, the XXXX Bankruptcy court granted me an order of discharge for my debt to XXXX. I view and assume this continual inaccurate reporting to credit bureaus as XXXX XXXX XXXX, and violations of the FCRA and FDCPA, as well as Fraudulent Activity, at least on the part of XXXX. I have also just filed the complaint with the Utah State Attorney General 's Office.
06/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90044	Web
My name is XXXX XXXX. I had a 3-year contract with Protect XXXX for security monitoring service between XXXX and XXXX, and thereafter continue the service on a month-to-month basis till XXXX without defaulting on my account. When the service no longer serves the purpose intended, I canceled the service. I had a conversation with Zions Holdings representative ( XXXX XXXX ) on why XXXX XXXX XXXX asked them to collect a debt of {$440.00} from me since I did not have any service with XXXX. XXXX XXXX from Zions Holding affirmed XXXX transferred the account to XXXX. I asked for the contract agreement, default statement history, and proof of service from XXXX. She sent the contract agreement and default statement from XXXX. I asked why XXXX would not provide the official proof of service in its name since they claimed to have provided the service after the account was transferred to them. They could not provide the official default statement on the name of XXXX but provided some documents from XXXX ( Refer to the attached documents ). I further asked if XXXX is a financial firm that purchased bad debt and collect on behalf of XXXX since they could not provide the proof of service or XXXX official defaulting statement. According to Default / Termination Agreement XXXX XXXX and XXXX of the terms and conditions : 9.1 If Customer defaults with respect to payment of Monthly Monitoring Fees more than two ( 2 ) times in any calendar year, or monthly monitoring fee becomes sixty ( 60 ) days past due, then Customer agrees that XXXX may terminate service and the remaining applicable balance of the Agreement will be immediately due and payable ( Refer to the attached document page XXXX of XXXX ) XXXX Default / Termination. If Customer is in default of this Agreement for failure to pay any fees, charges or other amounts when due, or failure to perform any of the other Customer Obligations under this Agreement, and such default continues for ten ( 10 ) days after XXXX gives Customer written notice ( Refer to the attached document page XXXX of XXXX ) I did not default on my account for 6 to 7 years I was with XXXX and if I default PAI or Blinks should have canceled the account after 2 consecutive defaults. But according to the default statement history ( refer to the attached customer billing history ) did not cancel the account even after 6 months of continuous default or give the customer written notice after XXXX ( XXXX ) days of defaulting, despite not receiving any service from XXXX within the specified period. But in this case, they never sent me a written notice. I cant fathom the logic behind this action. When Zion Holdings would furnish the bill with XXXX 's name on it, they sent the bill with a service address that belong to someone else. Currently, Zion Holdings put a negative report on my credit. Any attempt to resolve this issue with them is unproductive. Therefore, I want Consumer Financial Protection Bureau to look into this matter so they don't continue to threaten consumers and also damage consumers ' reputations.
08/29/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30062	Web
Zions debt holdings contacted me text on XX/XX/XXXX at XXXX EDT. I responded " stop '' in order to unsubscribe. On XX/XX/XXXX at XXXX I received another text regarding the same debt. They then proceeded to email me on XX/XX/XXXX at XXXX. When I asked for a breakdown of the total debt, they replied it consisted of a principal balance of {$47.00}, late fee of {$60.00}, and interest of {$14.00}. I requested a copy of my original contract as well, which upon review did not specify a {$60.00} late fee. These initial emails were with an individual named XXXX XXXX. He requested I email XXXX XXXX for further information. My initial email to XXXX was XX/XX/XXXX at XXXX, asking for validation of the debt. XXXX responded at XXXX starting she " will follow up with further documentation to validate the debt ''. I called XXXX, the original debtor ( my original contract was with XXXX XXXX XXXX, who sold my home security contract to XXXX ), on XX/XX/XXXX to request my signed cancellation letter. They informed me I would have to retrieve it from the debt collector directly. On XX/XX/XXXX, after having not received a response from XXXX, I requested confirmation it will not be reported as it was not validated. XXXX responded it will be validated by Friday, XXXX, when it was scheduled to be reported to the credit bureaus. Over a series of emails on XX/XX/XXXX between XXXX and XXXX, I requested all documentation supporting the debt be provided. XXXX insisted I had received them all without specifically noting what was sent or when. Additionally, when I asked about the {$60.00} fee which was not allowed per the contract, XXXX stated : " Also, the {$60.00} is what our agency adds to collect on the bill. '' Accordingly, Zions Debt Holdings is attempting to add fees that are not allowable per my original contract. At XXXX, XXXX wrote : " This is my last email to you. we have validated your debt. If you are asking what documents I have sent, I suggest re reading the paperwork. Have a good night '' ( punctuation as per the original email ) I still do not have full records to validate the debt. I contacted XXXX directly on XX/XX/XXXX via text, and they stated the pro rated bill after my cancelation effective XX/XX/XXXX for the period XXXX was for {$2.00}. They stated a late fee was applied to bring the total balance to {$47.00}. Again, my original contract did not specify a late fee could be charged. Additionally, all payments were to remain on autopay during the term of the agreement. I have record of timely payments for each month of my contract from XX/XX/XXXX through XX/XX/XXXX. I have not been able to get a copy of the original invoice for the {$2.00}. I've attached records of both email chains, a screenshot of the text with Zions Debt Holdings, and my original contract.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 401XX	Web
Please forward this complaint to your legal advisor. On XX/XX/2023 a CFPB complaint was filed against ZIONS DEBT HOLDINGS LLC. ( Ref. XXXX ) This is a dispute regarding a response that was received dated XX/XX/2023. Please convey an original instrument of indebtedness between XXXX XXXX and ZIONS DEBT HOLDINGS LLC or prove that one exists. Under the lawful definition of novation, I was never informed in writing nor did I mutually agree to do any business with ZIONS DEBT HOLDINGS LLC. Please inform me why I should submit any payment to this company. A company that is belligerently extorting my character and in violation of 15 USC 1692d ( 4 ) by reporting false information to my consumer reports. To date, ZIONS DEBT HOLDINGS LLC has not produced proof of a validated alleged debt nor acknowledged my cease and desist notice sent. ZIONS DEBT HOLDINGS LLC has failed to produce the original instrument of indebtedness to ZIONS DEBT HOLDINGS LLC. ZIONS DEBT HOLDINGS LLC has no permissible purpose to communicate with me in any capacity. The instrument sent via CFPB titled " XXXX XXXX XXXX '' does not state that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC. Does this instrument confirm and affirm that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC? If so, please provide where. Since the original instrument has failed to be sent, provide proof that I am the obligated party for repayment. There have been unauthorized disclosures of my personal identifying information. Zion Debt Holdings LLC and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with Zions Debt Holdings LLC and do not have a contract with Zions Debt Holdings LLC nor did Zions Debt Holdings LLC make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtedness ). I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.
10/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 802XX	Web
I received a text message from Zion Debt Collections on XX/XX/XXXX without any prior communication or authorization to contact via text message. I have included screenshots of the communications as they do not include the required disclosures and no written notice was sent or received in the required notification period. I reached out via their website to request verification of the debt on XX/XX/XXXX and advised that I disputed the debt and requested the following list of documents. 1. Verification of the Debt : a detailed breakdown of the amount owed, including the principal sum, any fees, interest, and other related charges. 2. Original Credit Agreement 3. Billing Statements : All billing statements or invoices that document the progression of the debt from its origination to its current status. 4. Payment History : A complete record of all payments made towards the debt, including dates and amounts. 5. Assignment or Transfer Documents : documentation that verifies the legal right to collect the debt. 6. License Information : License number showing they are licensed to collect debt in my state. The agency acknowledge the website request on XX/XX/XXXX. XXXX XXXX, rep for Zion Debt Holdings responded via email on XX/XX/XXXX but did not provide all of the requested documents. I advised the agency that I closed the my account with XXXX XXXX XXXX when I sold my home in XX/XX/XXXX and that during closing I spoke with a XXXX customer service rep ( XXXXCa n't remember his last name ) who assured me the account was closed and the system would be transferred to the new property owners. The verification statement that was provided shows a balance of {$950.00} while the payment history provided shows {$360.00} as the past due balance. In addition to this the contract with XXXX provided was amended in XXXX of XXXX to remove XXXX XXXX from the contract as recognized by XXXX XXXX XXXX XXXX. The agency failed to provide copies of the respective billing statements or any agency license information for verification. I followed-up via email and advised of the discrepancies and repeated that I dispute the debt. The agency reported the debt to the credit bureau 's without adequately validating the information and providing appropriate notice. I have attached the all correspondence received for reference. At not time has the agency provided any of the legally required communications or disclosures and the balances provided can not be validated with the information provided. I have asked that any further communication be via USPS which has also been disregarded.
12/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10453	Web
I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of this inaccurate and damaging entry is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. ZIONS DEBT HOLDINGS PLEASE DELETE IMMEDIATELY! It is utterly distressing to discover such derogatory information on my credit report. The sudden and unexplained appearance of this fraudulent collection is not only shocking but also completely unacceptable. I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies in my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. Through my investigation I found that this company has this account listed under an address that I have never used, tied to spouse and family members that live within this address that I have no knowledge of so how is that XXXX has allowed this account to be added to my credit report without proper validation and knowing that It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act. 15 USC 1681 C ( A ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are an adverse item and are being reported again without my permission, which is against the law. Furthermore, 15 U.S Code 1681S2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 E states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title
09/05/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 75126	Web	Servicemember
On or about XXXX, XXXX, I sold my home at XXXX XXXX XXXX XXXX XXXX TX XXXX. At the time of the sale, I had XXXX home monitoring service and 'smart home ' equipment. The buyer, XXXX XXXX, called XXXX to transfer my contract to them, and rather than transfer my contract as I had instructed XXXX and XXXX XXXX to do, XXXX created a new account for her using my equipment and did not inform me. After a period of approximately 6 months, I received a collections call from XXXX telling me I owed approximately {$650.00}. I disputed this and refused to pay given that there was call evidence that XXXX XXXX properly instructed XXXX to transfer the contract and not start a new one. Unbeknownst to XXXX XXXX, the new contract was created. During my dispute and refusal to pay XXXX during this period, I filed a consumer protection complaint with the Texas Atty. General 's Office, complaint ID XXXX. In addition, I informed XXXX over the phone that should they continue, I would file a claim in small claims court and ask for compensatory damages. Following this, XXXX ceased trying to collect on this debt at approximately XX/XX/XXXX. Starting approximately XX/XX/XXXX, Zion Debt Holdings LLC informed me that they had purchased this outstanding debt and were now attempting to collect. I explained the situation to them and started a dispute. They maintained that it was their right to collect. I explained to them that should they continue this course of action I would pursue legal remedy. Nothing more came from this. On Thursday, XX/XX/XXXX I received a notification from my XXXX XXXX credit monitoring app that my score had dropped significantly. Upon investigation, this {$660.00} debt was marked as charged off by Zion Debt Holdings. ZDH has no right to mark this as a chargeoff as this was an improper debt to collect in the first place. XXXX wrote off this debt and ceased attempts to collect once it was determined that evidence was not in their favor and that they were, in fact, in the wrong. Zion purchased this debt from XXXX inappropriately and attempted to collect even after informed of this situation, then proceeded to file against my credit which I have maintained a literal perfect payment history. I have NEVER missed a payment for any debt. Zion 's actions are malicious and intentional as I told them to pound sand and that I would pursue legal action should they not cease their attempts. I will be exploring legal action against ZDH.
07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 242XX	Web	Older American
According to ZION DEBT HOLDINGS, they bought a debt from XXXX XXXX XXXX for the amount of {$1300.00} which they claim I owe. They say XXXX didn't cut off their service until XX/XX/XXXX. I have not lived at that particular house since XXXX. I called XXXX right before I moved & told them that I was canceling the service. The representative ask if I wanted to transfer my service & I told her I couldn't afford it & to just discontinue service. I didn't save my monthly statements because I didn't think it was necessary. I have ask Zion for verification of the debt but the woman I talk to ( everytime I call ) tells me they don't have it. XXXX didn't give them that information. In the meantime they've put this alleged bill on my & my daughter 's credit. My daughter signed for me to get the service & now they're ruining her credit! Her credit score was 800+ but now it's steadily dropping & she's very upset. She just bought a car for her son & because of the credit score drop she had to pay a higher interest rate. We never thought anything about getting a debt in collections for a home security account. This woman had " repeatedly '' told me that this is a bill for services rendered but when I kept calling she now says it's a " breech of contract '' billing statement. I KNOW that this a mistake, possibly someone's else 's account. Now this woman from Zion is saying that I didn't complete the cancelation?!?!??? I have told her repeatedly that I called XXXX & canceled my service & the representative didn't tell me to do anything further. XXXX has already filed for bankruptcy again & I think that possibly they are making mistakes on their accounts & it is sorely unfair for my daughter & I to be hassled over a bill that's not mine to begin with. I am having trouble with my credit because of many bills because of my health problems. I have Lupus & several complications with it BUT I don't think it's fair to cause my daughter to lose credit points because of a mistake. She works very hard ( nurse ) for her money & she prides herself for having a great credit score & I was starting to work on mine but this has drug it down under 500. I know I'm repeating myself but I just want to make it clear that this is most definitely a mistake. One more thing I don't understand is WHY has this so-called bill just now surfaced? I hope you can get this resolved. My idea of a resolution would be for Zion to release my daughter & I from this claim.
11/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20906	Web
Notice it is a fact, According to my consumer credit profile on XX/XX/, ZION DEBT HOLDINGS LLC violated USC 1692c ( a ) and published a opened account without any prior notice or my written consent to my XXXX consumer credit profile. Notice it is a fact, This action was a violation of USC 1692f ZION DEBT HOLDINGS LLC used of an unfair practice by a debt collector and clear violation of my due process. Notice it is a fact, This one action caused I, : XXXX XXXX XXXX a federal protected consumer severe financial injury and defamation to my character. Notice it is a fact, USC 1692d violation, Due to the continued harassment thru a third party medium " XXXX '', my credit score has dropped drastically. Notice it is a fact, USC 1692d ( 1 ) Violation, harmful actions toward my well being via credit reporting affecting my creditability to receive consumer credit, I have not been able to extend my credit with other financial institutions. Notice it is a fact, USC 1692d ( 2 ) violation, obscene language of accusing me of owing an alleged debt on my consumer credit report. Notice it is a fact, USC 1692e violation, Due to ZION DEBT HOLDINGS LLC false, deceptive and misleading statements and practices. Notice it is a fact, I now suffer from anxiety, duress, stress and unnecessary financial hardship. Notice it is a fact, To date ZION DEBT HOLDINGS LLC has failed to preform and validate the allege debt. I have requested validation of debt with evidence and have yet to received any contracts with wet signatures, full disclosure or a validation of debt between I, : XXXX XXXX XXXX and ZION DEBT HOLDINGS LLC . This also includes any accounting ledgers, which states I am obligated to pay ZION DEBT HOLDINGS LLC. Notice it is a fact, I have also sent a cease and desist to ZION DEBT HOLDINGS LLC due to the continued harassment. Notice, i am aware, according my consumer report from XXXX as of XXXX XXXX ZION DEBT HOLDINGS LLC has violated my request and is still reporting and communicating thru a third party, " XXXX '' which is a USC violation of 1692c ( b ) .Notice it is a fact, According to FDCPA each violation by debt collector could amount to XXXX XXXX dollars per violation. Notice it is a fact, I, : XXXX XXXX XXXX, Principal Executive am fully prepared with a bill of particulars to settle and file a lawsuit in this matter for damages. ALL RIGHTS RESEVERED
01/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29036	Web	Older American, Servicemember
I received an undated notification.from Zion Debt Holdings that I owed a debt in the amount of {$150.00} to XXXX account XXXX. This account was owned by XXXX when I contracted with them. On XX/XX/XXXX I closed the account with XXXX- with a closing date of XX/XX/XXXX ( since we were selling our home on that date ). The account at XXXX was automatically billed to my credit card. XXXX did not bill that account until XX/XX/XXXX. I was surprised with the billing so I contacted XXXX ( who had been taken over by XXXX ). On XX/XX/XXXX, I called XXXX. XXXX XXXX verified that I had closed the account and acknowledged that the agent on XX/XX/XXXX. did not follow proper closing procedures. In XXXX, XXXX I received a letter from XXXX stating that there were no additional charges from XXXX. I still received billings for a few months but those billings disappeared in XXXX, XXXX. All conversations related to these billings with the representatives at XXXX were futile. Since I had had no contact from XXXX in a year, I shredded the letter from XXXX verifying no owed debt. I have had no further interaction with XXXX. Obviously XXXX assigned my referenced account to Zion Debt Holdings without any notification to me of those actions. XXXX has on record a copy of the letter that was sent to me by email in XX/XX/XXXX advising me that there were no debt or fees associated with this account. I tried talking with XXXX at Zion Debt Holdings and she insisted that I owed the debt because I had failed to notify Monotronics in writing. However, I explained to XXXX that I had followed all procedures explained to me by XXXX and the representative on XX/XX/XXXX. XXXX stated that the representative in XXXX did not follow all procedures related to the closing of the account.. However, I did not question XXXX about the failures of that employee. We had an account with XXXX for 12 years. I suggested to XXXX that they ask XXXX for a copy of the written verification of the affirmation of no debt. She rudely explained that the verification was my burden and not hers. XXXX let me know that if I had not submitted payment on or before XX/XX/XXXX that she would submit my record to all credit bureaus. Please contact XXXX and verify this information on my behalf and request they remove my account from Zion Debt Holdings. Respectfully submitted, XXXX XXXX XXXX
06/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85338	Web
This initial debt goes back to my old property down in XXXX XXXX NV, initially owned by XXXX XXXX XXXX and now owned by Zion Debt Holdings who purchased said account. Initially, I have spoken to XXXX, XXXX XXXX XXXX XXXX XXXX who harassed me over the phone when I told them multiple times that this contract was passed on to the new owner. The listed complaint in question is for address XXXX XXXX XXXX, XXXX XXXX NV XXXX on XXXX and the property was sold. As per the Nevada Real Estate Residential Purchase Agreement. FIXTURES AND PERSONAL PROPERTY : The following items will be transferred, free of liens, with the sale of the Property with no real value unless stated otherwise herein. Unless an item is covered under Section 7 ( F ) of this Agreement, all items are transferred in an AS IS condition. All EXISTING fixtures and fittings including, but not limited to : electrical, mechanical, lighting, plumbing and heating fixtures, ceiling fan ( s ), fireplace insert ( s ), gas logs and grates, solar power system ( s ), built-in appliance ( s ) including ranges/ovens, window and door screens, awnings, shutters, window coverings, attached floor covering ( s ), television antenna ( s ), satellite dish ( es ), private integrated telephone systems, air coolers/conditioner ( s ), pool/spa equipment, garage door opener ( s ) /remote control ( s ), mailbox, in-ground landscaping, trees/shrub ( s ), water softener ( s ), water purifiers, security systems/alarm ( s ) ; Section 7 ( F ) Listed the alarm. I have contacted XXXX and have told them multiple times that there was a new owner and to be in contact with them. They continued to call to collect. In addition, the two subsequent companies, now Zion Debt Holdings who's holding the contract. The contract in question doesn't have a note that I have sold the contract and/or contacted the company to cancel. Now, Zion has arbitrarily placed a collections mark in my account dropping my credit score hurting me financially as I can not get any type of lines of credit and/or corporate credit cards affecting my work. I have nothing to do with this debt and I want this removed from my credit and this company to cease and desist from contacting me.
06/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98405	Web	Older American
I talked to XXXX XXXX when I was moving from my apartment in Nebraska and had the alarm system turned off and returned. I also closed the account as well with the company and the police department who also monitored the alarm system. The debt with the company was disputed with all 3 credit bureaus upon receiving it about 2 & 1/2 years ago and was removed from my credit report. The account was closed in XXXX, XXXX in XXXX, and the equipment returned. The collection stated the account was opened in XX/XX/XXXX which is fraud and incorrect. I have not had an alarm system in over 9 years, and have not lived in XXXX, XXXX since XXXX It appears the company keeps passing the bill to different companies and then they don't contact me but put it back on my credit report. When I pulled my credit report in XXXX and again in XX/XX/XXXX this collection was not on there. The company XXXX XXXX has sent this bill to two companies as well that stated I opened up an account with them in XXXX which I have not. This current one states the account was opened XX/XX/XXXX and it was not, which is fraud. the account XXXX as closed in XXXX. The current company name is Zions Debt Holdings which I have not received any notice from at all regarding rehashing the collection bill. There was anotheer company who hasd this same collection bill and was removed after much persistence. Now other companies checked my report XX/XX/XXXX : XXXX, & XXXX. Another company XXXX XXXX XXXX XXXX XXXX opened up an account in XX/XX/XXXX in my name for XXXX which was not my account as well. I keep having to dispute these charges on my account lately which I submitted to XXXX again but they have not taken it off my credit report. They sent an email stating they received the dispute information was accurate but left the charges on. This happened the last time as well, and I keep having to fight to get these things taken off of my credit account. I don't have an alarm system by XXXX XXXX and it should be taken off of my account for good. This keeps popping up even after being taken off before, and is really causing me some problems on my credit report. Please advise.
12/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 857XX	Web	Older American, Servicemember
In XXXX I had a security system in my home which I installed myself from an online company. In XXXX, not sure of exact dates anymore, XXXX XXXX bought this company. I cancelled this service because I no longer needed it. XXXX kept on charging me and I called on several different occasions to tell them I cancelled. They told me I needed to write a letter to cancel, which I did. At that time, they kept on charging me and I called once again and ask why they were still charging me, they said they never received my letter. I sent it to them again. They put this account on my credit report stating it was delinquent. I reported them to the XXXX, who did nothing. I then reported them to the CFPB and it was finally removed. This year, when I applied for another mortgage, my banker ask me if I knew I had a collection on my credit report, I did not. I looked into it and found this company, Zions Debt Holding stating that I owed XXXX {$1100.00}. XXXX obviously sold this account to yet another company to try to collect, even though it had been removed from the credit report in XXXX. The date reflected that this account was opened in XXXX of XXXX, like it was a new debt. I reported this again to the XXXX and disputed this on my credit repot with XXXX They will not remove it and say it is accurate and this is an open account, which is a blatant lie. They however did change the date to state the account was openedn XX/XX/XXXX, which is also inaccurate. I dont even live in the same house where I had the security back in XXXX and this account was closed and removed from my credit report. This is affecting my credit score now and I have not had a late payment in over 4 years so why would I open an account this year and just not pay it. I tried to explain that to XXXX and XXXX and nothing has been done. I need your help and this company needs to be reported for improper collection practices. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can not afford to have XXXX like this randomly showing up on my credit report especially when I have worked to hard to repair my not so perfect past credit history.
05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60466	Web	Servicemember
XX/XX/XXXX, I responded to a credit alert from my private credit alert account in reference to a debt collection service- Zion Debt Holdings for the collection of {$1300.00} for an account opened in XX/XX/XXXX on XXXX. I immediately contacted the fraud team from my private service and discussed how to handle the issue. A member of the fraud team attempted to contact Zion Debt Holdings at approximately XXXX am XX/XX/XXXX with myself as customer on the phone. No one answered the phone number listed on the credit report. The fraud team member recommended that I attempt to call again within the hour to talk with a Zion Debt Holdings representative and to report back the outcome. I contacted Zion Debt Holdings ( XXXX ) XXXX, approximately XXXX minutes later to discuss the debt and to get copies with Wet Signatures of contracts that I entered into with the Debtor and Zion Debt Collections to whom the request for payment is identified. The representative was very unprofessional, rude, loud and disrespectful and I do not remember her giving her name because of the loud talking. She did not allow me to explain what and why I needed information, She continued to talk over me in references to not providing wet signatures of contracts. She remained loud and continued to talk over my request for proper identification of the contracted entities. The conversation became very intense between both parties due to the disrespect of the consumer 's right to be informed. I felt a violation of my right to know my accuser of debt and whom the collector requesting payment for the prevention of requested money not owed to a fraudulent entity, my right to be educated on the process, my right to be heard as a consumer. The representative actually hung the phone up on me XXXX ( XXXX ) ; I called back XXXX ( XXXX ) times. The representative said it was a recorded line ; but does a representative behave in that manner if it is recorded? I am suspicious of the debt and the debt collection agency. 's identity and practice. I dispute this debt as fraudulent
08/15/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30310	Web
I'm writing in regard to Zions Debt Holdings, LLC. I was on a call with an agent on XX/XX/XXXX where the agent promised me a settlement amount of {$300.00}. I called back today XX/XX/XXXX to pay the agreed upon amount and was told there was no record of that information. After management pulled the recorded call from XXXX, they were able to verify this was the information given to me, but instead said that they had " mistaken my account with someone else 's '' even though verifying information is required before continuing a call with them. When I asked for a copy of this call, they refused, and the general XXXX XXXX XXXX stated that he " doesn't care how many times I request it '' he " will never give it to me. '' I asked for the supervisor ahead of him and he refused to provide me with any contact information. When I was dissatisfied with the service and tried to explain to him that I submitted supporting documents confirming my account with the original creditor was closed in XXXX, XXXX told me that " excuses are like buttholes '' and that I should " take some responsibility in your life and pay the amount. '' In reference to the cancellation, I provided an email correspondence between the original creditor and I where I requested the service to be cancelled and XXXX messages confirming the receipt of my cancellation request. To my knowledge, the requests confirmed my account cancellation, but XXXX alleges that if the original creditor made a mistake after sending me confirmation, I am still responsible for the bill. I still offered to pay the {$300.00} to just remove this from my records but XXXX let me know that the " {$300.00} doesn't go in his pocket '' and that he " doesn't care '' and still insists I pay the entire amount. XXXX also informed me there was no way I could get in touch with the supervisor, owner, or anyone further and advised me to give up and pay.
08/15/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30310	Web
I'm writing in regard to Zions Debt Holdings, LLC. I was on a call with an agent on XX/XX/XXXX where the agent promised me a settlement amount of {$300.00}. I called back today XX/XX/XXXX to pay the agreed upon amount and was told there was no record of that information. After management pulled the recorded call from XXXX, they were able to verify this was the information given to me, but instead said that they had " mistaken my account with someone else 's '' even though verifying information is required before continuing a call with them. When I asked for a copy of this call, they refused, and the general manager XXXX XXXX stated that he " doesn't care how many times I request it '' he " will never give it to me. '' I asked for the supervisor ahead of him and he refused to provide me with any contact information. When I was dissatisfied with the service and tried to explain to him that I submitted supporting documents confirming my account with the original creditor was closed in XXXX, XXXX told me that " excuses are like XXXX '' and that I should " take some responsibility in your life and pay the amount. '' In reference to the cancellation, I provided an email correspondence between the original creditor and I where I requested the service to be cancelled and TWO messages confirming the receipt of my cancellation request. To my knowledge, the requests confirmed my account cancellation, but XXXX alleges that if the original creditor made a mistake after sending me confirmation, I am still responsible for the bill. I still offered to pay the {$300.00} to just remove this from my records but XXXX let me know that the " {$300.00} doesn't go in his pocket '' and that he " doesn't care '' and still insists I pay the entire amount. XXXX also informed me there was no way I could get in touch with the supervisor, owner, or anyone further and advised me to give up and pay.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33325	Web	Older American, Servicemember
I am a XXXX Veteran and I served in the XXXX war for XXXX long consecutive years. While I was in the warzone, someone stole my credit and destroyed my credit worthiness from Exceptional to Poor. Since XXXX I've worked relentlessly to correct this fraud. Finally in XXXX, I completed the task and returned to Exceptional. Well in XX/XX/XXXX, these people Zions Debt Holdings destroyed my Exceptional Credit Rating again, by placing a collection item on my account. I have never heard of these people nor have ever received any correspondence ( call, letter, text ) from them, yet suddenly a collection appeared on my report. I sent them a Certified Letter demanding removal of this item but the letter was returned. I sent it to the address listed on my credit report, but it must have been rejected and forwarded to their address listed at the XXXX but it was eventually stamped " : return to sender. '' 10 days later. I can only assume this is a stall tactic. I requested a copy of the wet signature contract, a printout of payments and proof of ownership. As a Senior citizen Consumer it is Elderly Abuse for companies like this to target a niche market and completely destroy peoples livelihood. The guys were ( are/were ) formally XXXX XXXX XXXX and have accumulated over 300+ complaints in a 3 year period about home security system issues. They systematically fail to provide documentation for claims, yet their derogatory entries remain on peoples reports ... WHY? How long will they continue to get away with this? Read the complaints listed at the XXXX! This business model is not ethical and serve the people. IT IS NOT RIGHT! I do not deserve to be a victim of this type of tactic and I demand justice. Remove this entry from my report immediately and return me to my hard earned credit rating ... investigate these people. They even placed the entry on my Son 's credit report.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 152XX	Web
I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from Zion bt holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore Zion has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter
01/26/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28216	Web
On XX/XX/XXXX, I received an email from " XXXX XXXX '' at Zion Debt Holdings, LLC, wherein XXXX XXXX claimed that I had a current balance due of {$2600.00} from a XXXXXXXX XXXX account that " was not properly closed. '' The email provided a link to make the payment with a Zions account number. I assumed this was spam or some kind of phishing scam. On XX/XX/XXXX, I received a text message from an unknown number, claiming to be Zions Debt Holdings. The sender requested that I call their number to " resolve '' my " past due XXXXXXXX XXXX account, '' after which they would " offer to expunge it from the credit agencies. '' After this second communication, I thought it would be prudent to review my credit reports, which I did last night ( XX/XX/XXXX ). Much to my surprise, there was, in fact, a collection account reported to XXXX by Zions Debt Holdings on XX/XX/XXXX. I immediately initiated a dispute of this debt with XXXX. For context, I did have a XXXXXXXX XXXX account from XX/XX/XXXX- XX/XX/XXXX. However, I terminated the account in XX/XX/XXXX because it was created under false pretenses by a former XXXX representative, XXXX XXXX. Moreover, even if this was a legitimate debt ( which it is NOT ), in North Carolina, a debt buyer must initiate collection efforts within 3 years of the last activity on the account. See N.C.G.S. 1-52 ( 1 ), 58-70-115 ( 4 ). In both communications, Zions claimed to have purchased this alleged debt from XXXX ( see attached communications ). Zions, however, reported this alleged debt to XXXX on XX/XX/XXXX, which was more than 3 years after my last activity with XXXX. Zions also waited almost an entire year thereafter to make a collection effort ( which failed to contain the necessary disclosures required under state and federal law ).
12/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 13760	Web	Older American
I sold my home in XXXX on XX/XX/XXXX. The new owner took possession of the house a day later on XX/XX/XXXX. A week prior I called all the utilities ( gas, electric, garbage and security system provider ) to cancel all services. I specifically remember sending an email and phone call to XXXX ( my security service provider ) to cancel their service as I had sold my home and was moving out of state. All of their security equipment was left with the house. I moved to New York state and purchased a new home on XX/XX/XXXX. Shortly there after I received a letter from XXXX that I owed an additional month payment of {$39.00} for the month of XX/XX/XXXX. I protested this to them but paid it anyway to be done with this situation. In XX/XX/XXXX I received a collection letter from a debt collection service ( XXXX XXXX ) that XXXX sold the debt to requesting a payment of {$790.00} to settle the debt. I refused and XXXX XXXX reported on my credit report as an unpaid debt the only credit reporting service to do so. I sent XXXX XXXX supporting documents that I did not owe this debt and it was removed from my credit report. This same debt from XXXX was sold to another debt collector ( XXXX debt } on XX/XX/XXXX demanding {$190.00}. I refused and XXXX XXXX reported it as an uncollected debt. My credit score went from XXXX to XXXX. I made several attempt with XXXX XXXX to have this negative report removed by sending in many supporting documents as before however they will only note on my credit report that it is " disputed ''. No other credit reporting agency has this negative item on my credit report. I would like your help in trying to remove this negative information as I have a long history of paying my financial obligations in full and on time as my credit history shows.
09/19/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AR 722XX	Web
In XXXX I moved from my home in XXXX ( that my husband owned, my name was not on the deed ) to a rental home in XXXX. At that time, we used security monitoring with XXXX. We were told that if we ever moved to a location they did not service or to a location where we were not authorized to get security monitoring, that by sending a letter of cancellation, we would be removed from the contract and service. We were also told that if the new homeowner took over service, that is another qualifying reason that we would be out of the contract. All of those things happened. I informed XXXX by phone and letter that we were cancelling and moving out of state to a rental home. None of which qualified us to transfer service. The new homeowner also took over the service, and put it in their name. In XXXX, I tried to buy a house and was denied credit due to a collections for {$1300.00} from a company called XXXX. They apparently took over XXXX. I explained the situation to them and they were supposed to remove the collection from my credit report. In XXXX, I looked at my credit again and found a collection for the same amount with a company called Zion Debt Holdings. I disputed this claim a few days ago and then began receiving aggressive text messages from Zion Debt Holdings regarding the collection. I asked them to send me the contract and their response was that I was the one who had to disprove the debt, not them to prove it. I explained to them that I did not owe this and that it should be removed immediately. I do not have a copy of the letter I sent to XXXX in XXXX of XXXX as I do not keep paper work more than two years old. I know that I cancelled them via letter, and phone call.
09/27/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OH 43232	Web
I attempted to contact XXXX to obtain information and dispute a collection account that just showed up on my husbands credit report. This is the only collection item between the two of us, and we have excellent credit. XXXX referred us to a company called XXXX XXXX ( XXXX Zions Debt Holdings ). After confirming that XXXX XXXX purchased this account, I agreed to contact XXXX XXXX. I explained to the collections agent at XXXX XXXX why we wouldnt be paying this account, and I wanted to know what date this was purchased. The representative transferred me to a supervisor. The " supervisor '', XXXX XXXX, immediately sounded bored and disinterested and parroted back a few less relevant statements that I gave to the previous representative. Eventually, we came to a point where she was condescending, rude, and she loudly declared, You dont have a single piece of documentation that you dont owe this debt ( after I explained that we made numerous attempts to contact XXXX to cancel our contract ). She also said, If you dont want this on your credit then learn to pay your bills. We pay all of our legitimately owed bills and do not deserve to be treated this way when calling to obtain information. When I recently filed a complaint against XXXX XXXX with CFPB ( on XX/XX/23 ), it was marked " resolved '' because the company responded that XXXX XXXX isn't in business, and to contact Zions Debt Holdings instead ( even though the 2 companies are affiliates, and even XXXX doesn't seem to be aware of the name difference, since they're referring past customers to " XXXX XXXX '' ).
09/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20715	Web
Zion Debt Holdings has been reporting me as owing a debt of approximately {$570.00} for XXXX home security. The agency claims that I owe them the money because I was a joint account holder with my mother, XXXX XXXX. This is not true. I informed Zion during a phone call in XXXX that my mother passed away in XXXX. They are apparently therefore trying to collect from me. This collection apparently references hime security account my mother entered into with XXXX around XXXX. She canceled the account in approximately XXXX because she sold the house ( XXXX XXXX XXXX, XXXX ). XXXX is apparently trying to collect some sort of fee for the cancellation, although they did not inform my mother at the time of cancellation that a fee would be issued. I was present when the alarm system was installed and signed off on behalf of my mother, because she lived out of state at the time. The technician who installed the system as well as the XXXX representative over the phone informed me that I was not signing as a co-account owner and was not responsible for payment. I never received bills from XXXX for that account which covered XXXX XXXX XXXX, XXXX, MD XXXX. XXXX did not start sending me notices until XXXX after it appeared on my credit report. I want the information removed from my credit report. I did file a dispute, however, it appears that a new credit debt collection agency has the account and has put it on my credit report again. I never agreed to be a co-account holder for my mother, and if the paperwork indicates that I was, then it was fraudulently obtained.
03/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28205	Web
This problem started with one of my business with XXXX XXXX XXXX. I have several businesses with them and they are all in automatic draft, I never had an issue and I always paid everything on time. When the pandemic happened we shut down several locations, but we continued to paid our bills, this location was one of them. Not sure what happened with the account for this location that they stopped drafting the money, they never contacted me, and it appear that they had the contact from a disgruntled employee of ours not me. Now I find out on my credit report I have a collection for an amount and try investigating and its related to the account which I had no idea about. I contacted XXXX to see why is that charge, but XXXX can not give me any information since they sold the debt. I contacted the debt collection agency to see why they are charging that amount on my credit and how they got my personal information to hit my credit when this was a business account, but they have not given me any information, all they say I have to pay if I want that to go away from my credit. I filed a complaint with XXXX and they said its resolved and the debt is valid and they can not do anything about it. Now my credit is damaged, when I had a perfect score, and i can't dispute anything. They never contacted me to provide me proof of any debt, not even sure what contact information they have on file. I believe they use my personal information when I signed up for my house and added that information to my business information in order to report it to my credit report.
05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14215	Web
FIRST THIS COMPANY, ZION DEBT HOLDINGS, PLACED A COLLECTION ON MY CREDIT REPORT ( S ) WITHOUT PRIOR WRITTEN NOTICE. NEXT THEY WERE ASKED TO VALIDATE NOT VERIFY THE DEBT THEY SAID I OWE BY DOING THE FOLLOWING : TO INCLUDE THE FOLLOWING PROOF, WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE COPIES OF ANY PAPERS THAT SHOW AGREE TO PAY WHAT YOU SAY I OWE ; PROVE THAT STATUTE OF LIMITATIONS HAS NOT EXPIRED 3YEARS ; SHOW THAT YOU ARE LICENSED TO COLLECT IN MY STATE NY ; AND PROVIDE YOUR LICENSE NUMBERS. TO WHICH THEY RESPONDED BY EMAILING ME, VIA THE EMAIL I PROVIDED TO CFPB ONLY ( WHICH I DID NOT CONSENT TOO, ACCORDING TO NYS LAW 23 NYCRR 1.6-REQUIRES MY CONSENT ) AND MAILING CORRESPONDENCE TO VERIFY THE DEBT. THEY FAILED TO VALIDATE THE DATE : -FAILED PROVE WHAT THE MONEY YOU SAY IS OWED. -FAILED PROVE HOW YOU CALCULATED WHAT IS OWED -YOU HAVE FAILED PROVE THAT I AGREED TO PAY WHAT YOU SAY IS OWED ( NOT MY SIGNATURE ) -FAILED PROVE THAT THE STATUE OF LIMITATIONS IS NOT EXPIRED ON THIS ALLEGED DEBT ( THE CONTRACT THEY PROVIDED IS EXECUTED IN XXXX. THE SOL ON THIS DEBT IS XXXX ) -FAILED PROVE THAT YOU HAVE LICENSE TO COLLECT IN MY STATE NY ( THEY ARE NOT ) -FAILED PROVIDE YOUR LICENSE NUMBER ( S ) ( DID NOT PROVIDE LICENSED NUMBERS AS REQUIRED. THEY ARE REPORTING ERRONEOUS AMOUNT OF DEBT THE CREDIT REPORT. THE CREDIT REPORT SAYS ONE AMOUNT THEIR LETTER STATES A DIFFERENT AMOUNT. THEY ARE MIS-REPRESENTING THEMSELVES UNDER TWO DIFFERENT NAMES AND ADDRESSES TO THE CRAs.
05/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 401XX	Web
There have been unauthorized disclosures of my personal identifying information. Zion Debt Holdings LLC and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with Zions Debt Holdings LLC and do not have a contract with Zions Debt Holdings LLC nor did Zions Debt Holdings LLC make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtness ). I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to Zion Debt Holdings LLC making false claims against my Estate XXXX XXXX XXXX I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70115	Web
In XX/XX/XXXX, I was alerted to a new collection account being reported on my credit report. Upon further investigation, I was able to confirm that the alleged debt had passed the 7 year limitation, per the Fair Debt Collection Practices Act. It was first purchased, from the original company XXXX, by a collection agency by the name of XXXX XXXX XXXX. After the 7 year deadline had passed, this collection dropped off of my credit report. It later reappeared, being reported by a new company by the name Zion 's Debt Holdings, that must have purchased the debt from XXXX XXXX XXXX and was attempting to re-age the debt. I disputed the collection with XXXX, the only credit bureau that had this listed on my report. They completed an investigation, and instead of denying it outright, they " updated '' it by adding more erroneous information. I once again disputed it, with the same result. I provided them with documents showing a past credit report listing XXXX XXXX XXXX as the previous debt collection agency reporting this debt, which I will attach to this letter. I also sent a letter directly to Zion 's Debt Holdings, requesting validation. They sent me back the original contract signed with XXXX in XXXX, and a note written by XXXX, making the fraudulent claim that they had sold the debt to Zion 's Debt Holdings, when in fact, the company they sold the debt to was XXXX XXXX XXXX. So, to recap, this debt is older than 7 years, and by law, is required to come off of my credit report, but is being fraudulently re-aged.
09/30/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MO 65802	Web
Zion Debt Holdings reported to my credit that I owe over XXXX for XXXX. This is false information. I contacted XXXX and they stated that I owe {$540.00} and didnt have information about Zions Debt Holdings XXXX They actually transferred me from the collections department to a different collections agency which was not Zions Debt Holdings. XXXX provided me with a letter stating how much I owe and what a reinstatement of services would cost including 1 month of service which is {$670.00}. This letter came from the XXXX XXXX for billing at XXXX. The representative I spoke with at Zion Debt Holdings tried to tell me that I only paid 1 month for service ( I used XXXX for many months ) and that I signed a contract for 5 years of services. We would not sign a 5 year contract as we were renting the property for 2 years. The representative laughed at my questions and treated me like a criminal. I then filed a dispute through XXXX and shared my letter from XXXX themselves. I believe this is fraud and that the account was picked up and inflated for a money grab. I believe that there could have been a breach in XXXX XXXX I was unaware that I had a collections as XXXX themselves never contacted me regarding the account in the several years that have lapsed since we had services and XXXX themselves didnt have any information for such a company on my account. This is defamation and is very damaging as it could affect my job and seriously dropped my credit. I will be filling with my attorney if this is not resolved.
07/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33436	Web	Servicemember
XXXX XXXX, XXXX XXXX XXXX XXXX failed to cancel my service and continued billing. I was a XXXX XXXX customer for nearly 10 years prior to acquisition by XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX. I contacted XXXX and made a request to cancel services. I was instructed to write a letter of cancelation with the corresponding address provided. I follo1wed the instruction provided and expected the service to be cancelled. In XX/XX/XXXX, due to a divorce, I left the address of service with the knowledge the alarm monitoring service was cancelled. On XX/XX/XXXX, my credit monitoring service alerted of a collection for {$390.00} by Zion Debt Holdings, LLC who apparently purchased the so-called debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attempted to rectify the erroneous collection of debt, but I was told it was a penny to a dollar debt purchase made from XXXX. I called XXXX to explain how I ended up with a debt for services I stop using since late XXXX. Zion Debt Holings, LLC provided a contract transferred to XXXX with my bank information ( which is still the same ) where XXXX XXXX used to do their automatic billing. XXXX never made any attempts to make an automatic payment on my bank account, or I have ever received a debt collection notice by XXXX by mail or reported on my credit report. Zion Debt Holind is now pressuring me to provide a copy of cancellation letter sent to XXXX knowing the possibility of not having was in their favor. XXXX appears to have a history of complaints for the same issue.
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46205	Web
Where do I start. My Person information was hacked via several companies since XXXX. XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX ) ; and IHA ( XXXX ). I have been fighting a credit nightmare with XXXX debts that are fraudulent every since. By : ( XXXX XXXX XXXX {$2600.00} ) and ( XXXX XXXX XXXX {$1000.00} ). I having been " Disputing '' having fraudulent reports removed by credit bureaus ; only to have them resurface year after year via the same collection agency or a different collection company, who so called purchased the debt. from the one in which was previously disputed and removed. I know, its ridiculous, and even more concerning that the credit bureau are allowing this process without cross referencing them as a previously disputed and removed from my report under the same name, and or a duplicate disputed collection removed under a different name. Please help! I worked so hard to be economically responsible ; only to spend a ridiculous amount of time disputing obvious fraudulent reporting in efforts to intimidate and fraud innocent consumer out of their hard worked finances and to tarnish their credit history.. As a consumers, the current resources the credit bureau have XXXX place are not in the best interest of consumers who have been victimized over and over by hackers, scammers and collection practices that not only operate unethically ; but also abuse their ability to report debt prior to proof of identity ; and or ownership of reported debt in and attempt to collect via theft.
06/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33327	Web
COMPLAINT AGAINST : Zions Debt Holdings LLC I. Backstory : XXXX/XXXX/2023 ; I wrote to XXXX and XXXX credit bureaus to dispute the accuracy of my credit report on their records, specifically regarding two collection accounts that have been reported by Zions Debt Holdings LLC, with balances of $ XXXX and $ XXXX, respectively, under account numbers # XXXX and # XXXX. XX/XX/2023 ; XXXX by mail, sent me only the Investigation Results ; In both cases, its response was : Account information disputed by the consumer Meets the requirement of the Fair Credit Reporting Act. XX/XX/2023 : XXXX by mail, sent me only the Investigation Results ; In both cases, its response was : verified as accurate for both cases as well. II. Complaint : Although the alleged debt does not belong to me, I reviewed the XXXX XXXXXXXX XXXX XXXX XXXX website. I discovered that Zions Debt Holdings LLC must have the Collection License required by the state of Florida. Not fulfilling this law renders all their procedures XXXXl, and any information furnished to credit bureaus, including XXXX and XXXX, is unlawful. III. Request : I respectfully and formally request that this information be provided to XXXX and XXXX, in order to allow Zions Debt Holding LLC the opportunity to defend its position by showing the Florida Collection License. If Zions Debt Holdings LLC is unable to provide the Florida Collection License, it is my request that both XXXX and XXXX proceed to remove these collection cases from my credit report.
05/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38002	Web
While going through a divorce in XXXX my ex-husband and I were told by the judge to separate our combine debts and pay the debts off. There was a debt from XXXX XXXX 's XXXX XXXX XXXX XXXX that my ex-husband advised he would pay in the amount of {$760.00}. Therefore, my ex-husband advised he settled the debt with a company called XXXX XXXX XXXX. at XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ). In XXXX of XXXX I started receiving harassing phone calls from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) stating this is an attempt to collect a debt for XXXX XXXX in the amount of {$760.00}. XXXX XXXX filed bankruptcy years ago. After several harassing calls I decided to settle the debt for a lesser amount of {$370.00} on XXXX with XXXX XXXX XXXX ' agent XXXX XXXX, who I gave information to my bank account to make a one-time ACH. On XX/XX/XXXX, at XXXX, I received a call from an agent name XXXX XXXX this is an attempt to collect a debt for Zions Debt Holdings LLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) for XXXX XXXX. I advised XXXX XXXX that I settle this debt for a lesser amount with XXXX XXXX XXXX XXXX. I advised XXXX XXXX that I could provide a confirmation number. XXXX XXXX advised that anyone could give numbers, which I felt was unethical considering that XXXX XXXX XXXX provided the confirmation number after the ACH. This debt is being reported incorrectly ; therefore, I contacted all three credit consumers to dispute the account because it's been paid twice.
11/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37801	Web
Zion Holdings does not hold a license in my state of Tennessee to collect debt. This has been confirmed by the TN XXXX XXXX XXXX XXXX XXXX This was a fraudulent debt placed on my credit report with no notice as an attempt to receive payment. I was never informed of this debt and this company has very abusive tactics. During this process I it was determined this was not a valid debt and was handled accordingly by the credit bureaus. XXXX XXXX violated several XXXX laws during this process such as failing to read mini XXXX rights when discussing personal information. This occurred 4 times. They also violated the law by texting me without my permission multiple times. On XX/XX/XXXX after receiving a very poorly conducted text message demanding payment and offering full credit report deletion after paying, I informed XXXX XXXX ( fake name ). That this has been handled and it is illegal for any contact to continue. I have now received an email demanding payment again. This is now criminal harassment and attempted theft. This agency is connected to XXXX XXXX XXXX, who just settled several law suites for fraud. It appears XXXX creates fraudulent debts on old closed accounts. This agency is very unprofessional and the way they operate is very obviously criminal. It is apparent within first contact with them you are not dealing with a reputable company. They have several law suites and investigations. I have had to make a police report on this matter.
04/19/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72205	Web
I received a text from an unknown number about a debt. And offered a settlement amount. I asked for validation and the agent was rude and tried to intimidate me when I asked for verification. I was advised it appears that you are just XXXX stuff, let us know when your ready to pay.. I was advised this is what happens when you don't pay your bills. They were very rude and stated " Like before you will get verification AGAIN " in 72 hours. At this point I asked for a cease and desist until they provide the documentation to her email. The person responded " Pay your bills, and your request to cease and desist isn't valid. Send it in writing. I responded watch your tone in the manner of witch you speak, and I explained that my request to cease speaking until validation has been provided by text is just as valid as the settlement amount they offered. It's a written request. I let them know they were in violation of my FCRA. Contacting me after I asked her to cease and she said nice try .... And I let her know to speak in an intimidating manner that's the second. Also I asked that they provide a hard copy of the contract. Copy of the pay off disclosure. Interest rate disclosure. Balance history, payment, history and credit insurance. I also asked for the statue of limitation in my state which is 3 years. I asked for removal of this debt and I would like to report them for their practices, and practice of trying to intimidate me.
01/19/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
On XX/XX/XXXX, I reached out to Zions Debt Holdings ( XXXX is the original creditor ) to obtain evidence supporting the claim that the debt belonged to me. In response, Zions Debt Holdings provided a deceptive contract in which they manipulated the date and email address. Despite possessing the original contract, which I shared with Zions Debt Holdings and highlighted its fraudulent nature, the company failed to acknowledge the issue. On XX/XX/XXXX, I forwarded both the fraudulent and original contracts to XXXX. However, XXXX, without thoroughly examining the fraudulent documents, accepted the creditor 's assertion that the debt was indeed mine. Surprisingly, XXXX explained that they do not investigate disputes if the creditor asserts ownership of the debt. This situation raises the question : when should the burden of proof shift to the entity committing fraud? Furthermore, when I contacted XXXX, they informed me that the account is too old and no longer in their system. It is disheartening to face the potential impact of a {$570.00} debt on my credit, especially considering the meticulous effort I've invested in maintaining a good credit standing. I find myself questioning who advocates for the consumer in such circumstances, where fraudulent documents are presented, yet the party retains the right to pursue a debt that is not rightfully mine. XXXX sent me an email ( attached ) noting that our relationship ended in XX/XX/XXXX.
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	HI 968XX	Web
In the first half of XXXX, I tried to cancel my monthly subscription service with the security monitoring company XXXX. They made it very difficult. They said I have to submit the request in writing. I did that, nothing happened. I got no response. I called them again and they said I have to include a bunch of difficult to find information such as my login, password, account number, etc. I did that. I continued to get billed. I sent them a final notice and notified them that I will be cancelling my credit card they had on file. As I furnished them with all their requests in order to cancel my service. Sometime a couple years later, I was contacted by a collection agency. I informed them about the status of my account with XXXX. I provided them with a copy of the letter I sent to XXXX. Then in XXXX, I saw recurrent overdue information on my credit report when applying for a loan. The overdue information was being input on my report every month for almost a year. I initiated a dispute with XXXX. They deleted the entries. Then I recently noticed the overdue notices appearing again on my credit report. I disputed the overdue record again. I also informed XXXX that they had already removed this information back in XXXX. This time however, they sent me their dispute results and only have the entry modified. XXXX should stop the collection agency from continuing to input the same disputed and deleted information from my credit report.
12/15/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	MD 20737	Web
I received notice from Zions Debt Holdings collection company on Saturday, XX/XX/XXXX at XXXX ; Stating owed XXXX XXXX XXXX {$1000.00}. during the communication Zions Debt Holdings stated that " collection, late payments, delinquencies, and judgements stay on a credit report 7 years. Bankruptcies stay on for 10years, and account closed stay on for 10 years. Tax liens stay on indefinitely. they went on to say that this was not a new collections, even though this was this was the first they contacted me. I had a contract with XXXX back in XXXX. I cancelled the contract on XX/XX/XXXX. XXXX closed and cancelled the account in XX/XX/XXXX. On XX/XX/XXXX Zions Debt holdings sent me another notice to pay. I called XXXX today XX/XX/XXXX and spoke with a person named XXXX. XXXX informed me that XXXX did not sell this debt to Zions Debt Holdings ; Most of all, they stated they do not sell to their debt to collections agency. XXXX advised me not to pay Zions Debt Holdings claim this to be a scam. Zions Debt Holdings has since reported me to all the credit bureaus. I disputed XXXX and lost. I was denied a private student loan through XXXX XXXX to attend XXXX on XX/XX/XXXX. I am asking you to investigate Zions Debt Holdings and repair my credit by removing their collections on all three credit bureaus. Zions Debt Holdings address is XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number XXXX XXXX XXXX XXXX Account number for XXXX is XXXX
05/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35806	Web
I am writing to bring to your attention an urgent matter regarding a debt that has been erroneously associated with my name. I recently received a copy of the contract from XXXX, and upon review, I discovered significant inaccuracies. Firstly, the address listed on the contract is incorrect, and I want to emphasize that I have never resided at that address. Additionally, I noticed that the name stated on the contract is not mine, further confirming that this debt does not belong to me. To support my claim, I have attached copies of my driver 's license and utility bill, clearly indicating my correct name and residential address. These documents serve as irrefutable evidence that I am not the individual associated with this debt. In light of these factual discrepancies, I kindly request that you conduct a thorough investigation into this matter and take immediate action to rectify the situation. It is imperative that this debt is promptly removed from my credit report, as it is unjustifiably tarnishing my credit history. I understand the significance of maintaining accurate credit information, and I trust that you will handle this matter with the utmost urgency and professionalism. I kindly request to receive written confirmation of the debt removal and an updated credit report reflecting the necessary corrections. Thank you for your prompt attention to this matter. I look forward to a swift resolution. Sincerely,
02/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60473	Web	Older American
In XXXX I was being harassed about an account I had no knowledge or applied for. XXXX acussed me of applying for an alarm security system. I have disputed false account and collection was removed from my credit report. XXXX used four different collection agencies and derogatory mark was removed findings as fraud. I submitted police report of fraud along with a copy of the application and bank account used for this account from XXXX to credit bureaus. Now, XX/XX/XXXX XXXX using Zions Debt Holdings to put the derogatory mark on my credit withXXXX. I am disputing again. On the application the heading is XXXX. I assumed XXXX is the new owner of XXXX. I did submit documents to the Office of Inspector General asking for help and/or suggestions to end this fraudulent application/contract that I AM NOT RESPONSIBLE FOR AND THIS IS NOT MY DEBT. I have contacted all collection agencies and submitted police reports and what XXXX sent me. I will send Zions Debt Holding the same documents proving this is NOT my debt. I requested an investigation on the agent name listed and signature in the documents but as of this day no response. I did followed up with collections agencies, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX only XXXX responded as case dismissed and fraud. Now Zions Debt Holdings, the fifth collection agency starting this fraud. I need help to end this fraudulent account to end completely. Please help methanks.
02/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60473	Web	Older American
In XXXX I was being harassed about an account I had no knowledge or applied for. XXXX acussed me of applying for an alarm security system. I have disputed false account and collection was removed from my credit report. XXXX used four different collection agencies and derogatory mark was removed findings as fraud. I submitted police report of fraud along with a copy of the application and bank account used for this account from XXXX to credit bureaus. Now, XX/XX/XXXX XXXX using Zions Debt Holdings to put the derogatory mark on my credit withXXXX. I am disputing again. On the application the heading is XXXX. I assumed XXXX is the new owner of XXXX. I did submit documents to the Office of Inspector General asking for help and/or suggestions to end this fraudulent application/contract that I AM NOT RESPONSIBLE FOR AND THIS IS NOT MY DEBT. I have contacted all collection agencies and submitted police reports and what XXXX sent me. I will send Zions Debt Holding the same documents proving this is NOT my debt. I requested an investigation on the agent name listed and signature in the documents but as of this day no response. I did followed up with collections agencies, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX only XXXX responded as case dismissed and fraud. Now Zions Debt Holdings, the fifth collection agency starting this fraud. I need help to end this fraudulent account to end completely. Please help methanks.
04/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30252	Web
Hello! I have been attempting to get a dispute about a fraudulent debt collections notice resolved and removed from my credit report, as it is tarnishing my credit score and reputation. The " collections agency '' Zions Debt Holdings LLC claims that I have a {$460.00} " past due '' debt balance owed from an " account '' through a company called " XXXX. '' I have never had any financial interaction or otherwise with " XXXX, '' nor have I ever even heard of this company or know what they do or sell. This claim showed up in the mail a little over a month ago and the debt is supposedly from 2020. I have disputed the debt through XXXX, however, the dispute was simply updated, and not removed and deleted from my account. I have researched the company for which the collections agency is claiming that they purchased my " account '' from, and found many serious legal cases of fraudulent debt collections for which Zions Debt Holdings LLC has been sued for in the amount of millions of dollars. This is clearly happening to more people than just me, and has been an ongoing issue for a number of years now, as these legal cases were dated over a span of the last 5-8 years or so. Please tell me what steps I should be taking in order to rectify this fraudulent debt collections notice -- I am about to be a XXXX XXXX just entering the world and the workforce, and a damaged credit score is the last thing I need!
09/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 790XX	Web	Older American
On XX/XX/XXXX, I began my job at XXXX XXXX XXXX as the Excellence in Banking Director. I left my job as Chairman, President and CEO of the XXXX XXXX XXXX XXXX, Texas region. I lived at XXXX XXXX XXXX in XXXX and had a XXXX XXXX XXXX that was installed in XXXX. XXXX XXXX XXXX my successor bought my home and we called XXXX and they agreed to transfer the billing to him as he would keep the equipment. We did exactly as instructed and he is still with XXXX today. In XX/XX/XXXX, a collection was filed in the amount of {$550.00} with the credit bureau 's by Zions Debt Holdings, who received the collection from XXXX, who received the collection from XXXX. XXXX never closed out my account even though they made the transfer to XXXX XXXX XXXX. XXXX has never missed receiving payment for their service at XXXXXXXX XXXX since XXXX. I have spent over 3 hours only to be run in circles even though XXXX acknowledges the debt is not owed. My credit score has dropped from my perfect XXXX to around XXXX and I could let this roll off in a couple of years, but their behavior is wrong, both morally and in my opinion legally. Given this experience and their response to me trying to do the right thing, I believe you will find countless other people that XXXX is trying to fraudulently collect money from. I look forward to visiting with anyone about this manner. Take care. XXXX
06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Servicemember
According to Zions holding Inc Company 's Response We purchased your account from the alarm company XXXX. Your account was set up on XX/XX/XXXX and sent to collections due to non-payment on XX/XX/XXXX. Your statement of the account being 10 years old is not accurate. We have done a thorough investigation of the account. It has been determined that the debt is valid. It doesn't matter if you're the tenant or the landlord. The balance owed is XXXX We are willing to settle your account for a discounted amount of XXXX, if paid by XXXX. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zionsdebtholdings.com with account # XXXX. Nevertheless from XX/XX/XXXX to XXXX of XXXX I lived in XXXX XXXX XXXX I was no longer a tenant at this address or in XXXX during those times. Furthermore : A Summary of Your Rights Under the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Therefore not only is this not my account, it is over 7 years old. This company is violating my rights and should be held accountable. The account should be removed from my credit report.
05/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33563	Web	Servicemember
I do not have an account, nor have I ever had an account with Zions Debt Holdings based out of UTAH or any of its affiliates, I have never received any notification of this debt prior to it automatically showing up on my Credit Bureau Reports. I have not been given the chance to dispute of validate this debt pursuant to the Fair Debt Collection Practices Act 15 U.S.C. 809. I have researched only to find they are a company out of Utah with a Registered Agent of XXXX XXXX. I was unable to verify any licenses to collect in Florida with the Florida Office of Regulatory Licensing or in Utah for that matter. This is not a refusal to pay but a matter that needs should have been validated. I want to make sure that this is not a debt that has been re-aged from an old account that could have been possibly tied to a previous bankruptcy I filed several years ago. I want to be able to provide proper documentation in its entirety to my Attorney if need be. They have seriously harmed my credit rating without notice of my rights as a consumer and never given the opportunity to dispute the validity of this debt and its entirety. They claim I owea balance of High Balance {$1300.00} with an Original Creditor by the name of XXXX which i firmly dispute that i have opened in XX/XX/2022. I have never opened an account nor have I ever had an account.
01/24/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web	Older American
I have communicated to the company on the several occasions that this is not my debt! I have written four times. I have a filed police report and FTC report. Their verbal and written responses have been to abusive and harassing collecting tactics refusal to remove the fraudulent account from credit reporting agencies. Below is a summary my most recent communication with redacted personal information. 'This not my account. I NEVER gave you or the original debtor my SS # or my DOB! You have not provided any confirmation that the DOB and SS # that you have is indeed mine! If you or the original debtor have obtained my PII ( personal identifying information ), it is by fraudulent means and identity theft. XXXX does not have an account opened by the original debtor and there are no inquiries that an account was ever opened! There has never been account opened under my name. The SIGNATURE IS NOT MY NAME!!! NO ONE HAS AUTHORITY TO OPEN AN ACCOUNT IN MY NAME NOR H ACCESS TO MY DOB OR SS #. I FILED A POLICE REPORT, case report R.D. # XXXX which I provided to you in prior correspondence and a IDENTITY THEFT REPORT with the FTC, report # XXXX I have filed an official police report and identity theft report. Again, this is not my account and I am not responsible for it. Close this account and discontinue collecting and reporting.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85086	Web	Older American
I have been disputing an incorrect item on my XXXX credit report since XXXX. Instead of investigating XXXX continues to accept Zion Debt Holdings word for the incorrect item. I have personally requested that Zion Debt Holdings send ME verification of the account, such as, the name and telephone voice recording of who originally ordered the service from XXXX , the date of the request, the billing address given, and the name on the credit card securing the order. Zions Debt Holding has NOT provided this information to me or to XXXX. I have never received a bill for this account because I do not now nor have I ever had an account with them. I am XXXX XXXX XXXX under doctor 's care and the stress of this is further damaging my health. I have maintained excellent credit for more than 60 years. This incorrect collection on my credit report has knocked my XXXX score down from XXXX to below 700. I keep trying to contact XXXX about this, but their phone number takes me to a robot telephone loop. My complaint is about XXXX AND Zion Debt Holdings. Because of my age, I feel totally taken advantage of that borders on elder abuse. I have no documents to submit, because I did not order this service, have never received a bill. I don't know how to upload my letters to Zion Debt Holdings or XXXX. May I send you copies through the mail?
09/16/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 40299	Web
Started with XXXX XXXX XXXX paid off all equipment in XXXX, and then received a letter from Zion 's explaining we owed {$1900.00}. We received a call in XXXX from XXXX during XXXX that card on file had expired, said we owed {$230.00}, we agreed to pay this amount to stop the XXXXXXXX XXXX and continue to pay the equipment. The equipment was financed with XXXX and was being withdrawn from bank account ending in XXXX through XX/XX/XXXX. The equipment was paid in full at this time, {$1400.00}. We did not get any other call from XXXX, then we received the collections notice from Zion 's on XX/XX/XXXX, claiming we owe the {$1900.00}. We attempted to contact 3 times to dispute, and we were told we had to pay this debt. However, per our records and all of this information, we feel we do not owe any of this debt, aside from {$230.00}, which we are willing to pay. XXXX refuses to deal with us because they sold the debt and now Zion 's is demanding money that is owed or sending to collections on XXXX Nothing was received since we spoke to them in XXXX, then all a sudden we are in collections and Zion 's is not allowing us to dispute, even saying in an email, the do not talk on the phone. It seems like it is scams. We wanted to get this resolved immediately and now we are concerned about this this because nothing is adding up.
11/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 064XX	Web
On XX/XX/XXXX I received a derogatory remark on my credit report from a Zion Holdings, a company I never had contact with and never knew anything about. I inquired to them, and they stated that they bought an old alleged debt from XXXX XXXX XXXX alleging that I signed a contract on XX/XX/XXXX engaging I believe alarm services. After incessant text messages from them I demanded to receive the contract governing this transaction and after a few weeks I received this bogus document. The bogus contract does not bear my authentic signature and is a fraud, and I sent my actual notarized signature by mail to Zion Holdings, and even though they admit it is not my signature they will not release the derogatory mark, nor will they stop collection harassment including harassing telephone calls, and texts. The two key reasons why this is fraudulent and that Zion Holdings is not operating according to laws is 1. The debt is over 6 years old, and in the states of Connecticut and New York the debt is uncollectable, and 2. The original debt was never signed by me and the debt is a fraud and is invalid. The company, Zion Holdings, despite being provided incontrovertible proof that the debt is invalid, refuses to remove the debt or any collection proceedings and is not working and operating according to collection law.
04/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95630	Web	Servicemember
I received a text message stating I owed money to XXXX for the period between XXXX and XXXX, for my residence at XXXX, WA. I had filed a dispute with XXXX XXXX when this popped up in my credit, stating that this was not mine. XXXX is an alarm service that is a month-to-month billing method, not a request for credit. I moved from XXXX, Washington to XXXX XXXX, Washington on XX/XX/XXXX, so there is no way that I could have had a monitoring service in XXXX, when I wasnt even living there. I received a text message stating from Zions Debt Holdings, XXXX XXXX XXXX, XXXX XXXX, UT XXXX, XXXX, with a XXXX credit listing as an opened account on XX/XX/XXXX, as derogatory. I have disputed this and told the collection agency to cease and desist. They continued to force me to pay and said I would need to go after whomever made this charge. I told them that was their responsibility as the burden of proof is on them. I additionally told them that regardless of such, it is beyond the 7-year window. They continued to harass me, and when I said I would complain, they said good luck with that, it wont remove the item and well mark it as refusal to pay. I have attached evidence of their claim and evidence to support mine. I would like this remedied ASAP.
04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77546	Web
Zion is a debt collector. They purchased a " debt '' from XXXX. XXXX : I signed a XXXX contract with XXXX. Payment of {$33.00} made. Almost immediately, I was not happy with their service. I asked to cancel and I was told that there is a 30 day notification required for cancellation. I confirmed that I would like to cancel. I was told by XXXX customer support that a cancellation packet would be emailed to me. XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. XXXX : Payment notification email received. I replied in writing that I would like a cancellation packet. XXXX : Cancellation contract signed. As you can see, I attempted multiple times to cancel this service before successfully doing so. I do not know why I have a reported debt of {$220.00} when XXXX actually reports my account in good standing with a {$0.00} balance on XXXX. I guess XXXX recently sold this " debt '' to Zion and now they've filed fraudulent reports with XXXX and XXXX. XXXX does NOT show any negative reports.
02/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30324	Web
On XX/XX/XXXX I reached out to this company because it appeared on my credit report. I called this company twice and they did not answer. They finally returned my call and was very rude and unhelpful. They informed me that 5 years after I moved out of my last location someone opened an account in my name. This account has been disputed in the past with a previous debt collector that transferred it to zions debt collectors. It was disputed as fraud. I have not lived at the said location since XXXX and due to that it was disputed with the credit bureaus and removed until apparently sold to zions debt collectors. It has since been in dispute again with all credit bureaus and currently under review. I have NEVER had a XXXX account. I dont even know what XXXX is. All of my accounts that I currently have open are in Georgia and they are all in good standing. I have never opened this account and zions debt collectors are very rude. They need to complete their research before placing items on credit reports and help the consumer to resolve these issues as any other debt collector may. They were not helpful and basically told me they werent doing anything until I got it removed myself. This company is fraudulent!!
04/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30324	Web
On XX/XX/XXXX I reached out to this company because it appeared on my credit report. I called this company twice and they did not answer. They finally returned my call and was very rude and unhelpful. They informed me that 5 years after I moved out of my last location someone opened an account in my name. This account has been disputed in the past with a previous debt collector that transferred it to zions debt collectors. It was disputed as fraud. I have not lived at the said location since XXXX and due to that it was disputed with the credit bureaus and removed until apparently sold to zions debt collectors. It has since been in dispute again with all credit bureaus and currently under review. I have NEVER had a XXXX account. I dont even know what XXXX is. All of my accounts that I currently have open are in Georgia and they are all in good standing. I have never opened this account and zions debt collectors are very rude. They need to complete their research before placing items on credit reports and help the consumer to resolve these issues as any other debt collector may. They were not helpful and basically told me they werent doing anything until I got it removed myself. This company is fraudulent!!
10/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75189	Web
My credit report was flagged from the company named " Zions Debt Holdings LLC '' I was never sent any information from this agency via email, mail, or phone. I discovered this from the credit report. I am the victim of identity theft and this debt is a result of fraud. This debt is in not in my name. The debt is in the name of " XXXX XXXX '' My name is " XXXX XXXX XXXX '' I am the sole owner of the social security number " XXXX '' I have never went by any other name, nor have I ever changed my name. I called Zions Debt Holdings LLC who confirmed the debt/collection was under the name " XXXX XXXX XXXX not " XXXX XXXX XXXX XXXX XXXX I informed them that the debt was not mine, and the debt was made under fraudulent premise using my social security number. I also informed them that I never had an account with the original consumer " XXXX ''. I also informed them that they were the XXXX collection agency trying to collect for a fraudulent debt. I have reached out to all XXXX credit agencies and added a fraud alert on my credit report. I have also uploaded a copy of my drivers license and social security card for verification. Zions Debt Holdings was not interested in resolving this issue and was dismissive.
08/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33710	Web
This debt collector contacted me on XX/XX/23 via text without any prior notice or consent. Again contacted me via text on XX/XX/23. I replied it is not my debt and has already been disputed with the credit bureaus. They continued to text me and tell me the debt was mine and I legally owed that money. I again told them the debt was not mine. They again proceeded to tell me the debt was mine and I needed to pay it. I replied again stating the debt was not ming and to cease further contact. They didn't even have an opt out option on any of their text, which they are legally required to do. They then proceeded to tell me if I wanted to opt out, I needed to mail a cease and desist letter to the address given. That is not what the law states. Then sent another text saying have a good day. I sent stipulations of the law and told them " I told you it was disputed and the debt is not mine. Please cease and desist all calls, texts, emails, mail, and contact with me immediately. If you even reply to this text, I will assert my legal civil rights. '' They sent another text stating again that if I do not wish to be contacted about a debt I legally owe, to send my cease and desist to the address given.
05/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27870	Web
In XXXX, I purchased a security system from XXXX XXXX. After six months of having the system, I called to let them know I wasn't satisfied with the system. She told me that she would let her supervisor know and they would send someone to get their equipment. They stopped monitoring my home but nobody ever came to get the equipment. In XXXX, XXXX XXXX XXXX contacted me repeatedly about paying them {$4100.00}, I asked for a debt validation letter but I was never sent one. I contacted an attorney and XXXX XXXX stopped calling and the collection was removed from my credit profile. In XX/XX/XXXX, I was contacted by Zion Debt Holdings contacted me about the same debt via text message stating that if I were to pay them {$1200.00}, the collection would be removed from my credit profile. I have done business with this company, purchased anything from this company or had any dealings whatsoever with this company. This company should stop reporting false collections on my credit profile. If XXXX stopped monitoring my home, how could I have a debt with XXXX more than the equipment and six months of monitoring? If it's in collections, how can I be late for monthly payments
06/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 007XX	Web
On XX/XX/2023 I received a email response from Zions Debt Holdings LLC, that claimed that I have a collection of {$1100.00} for a alarm system that was setup by a XXXXXXXX XXXX XXXX XXXX sub dealer XXXX XXXX. This email also included a settlement offer of {$800.00} lump sump payment that If paid by XX/XX/2023, should result in the removal of the derogatory mark from all credit bureaus. In addition, the email also contained an Alarm System Monitoring and Service Agreement, in this agreement the contact information for the person who agreed to the service is present. After reviewing, the documents I concluded that the person on the Service Agreement is not me. I have disputed this collection XXXX times through XXXX XXXX and they have reached a conclusion which I do not agree with. On XX/XX/2023 I made a phone call to Zions Debt Holdings LLC to see how we could solve this issue. I was instructed that in order for the company to remove the report they need to have fraud charges to remove the collection. In conclusion, I have a collection account reported to my credit report that does not belong to me and never has, this is the main reason for my complaint.
05/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80104	Web
For the past 3 years, both my wife and I have repeatedly been reported as in collections with ZIONS DEBT HOLDINGS LLC for a debt that was settled with our previous home security provider, XXXX. - Account with XXXX was cancelled on XX/XX/2017. - Auto withdrawl from " XXXX XXXX XXXX '' was collected on XX/XX/2017 for {$31.00}. - Check # XXXX for {$31.00} was cashed by XXXX, memo on check stated, " If cashed, balance is paid in full. '' - XXXX hasn't contacted us via email, phone, or letter to support collections. They only appear on our credit reports for each bureau every 6 months. We constantly dispute this debt collection with each of the credit bureaus that have it listed. Once disputed, it is removed, but 4-6 months later it is reported again. Each time it is reported we receive up to XXXX points deduction from our credit scores as a result of this collection. However once it is removed, it takes us months to build that score back up. How can we ensure that Zions Debt Holdings, LLC stops harassing us and damaging our credit for something that was paid in full and was never in collections to begin with as we cancelled our contract with XXXX?
10/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37801	Web
This debt was resolved in XXXX with a different collection agency. Account closed. On XXXX this debt was reported to XXXX as unpaid, resulting in a drop in credit score. I never received notice of this account via mail, phone or email. Represent claims XXXX notice letter was sent XXXX and a half weeks ago. Could not give me an exact date. I requested a copy of the original letter sent, representative laughed at me as she told me they didnt have it, then proceeded to say she submitted a request to billing for a copy as she continued to laugh. This company belittled me, told me it was my fault as I am not competent and do not know how to handle my debts, lied to me and told me the account came straight from original creditor yet later in the call accidentally mentioned another collection agency that has had the account ( the original agency I paid ). When bought to his attention that he accidentally let go of this information he raised his voice to me and became even more combative and defensive. Every agent I spoke to was very unprofessional. Very argumentative and insulting, laughing, yelling, name calling. They also do not have my correct name
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93312	Web	Servicemember
ZIONS DEBT HOLDINGS submitted a collections to my account. I asked them to provide proof that the debt was correct because this had been previously submitted by XXXX XXXX back in XXXX. XXXX sent me a contract that I signed in XXXX for 3 years. They said that XXXX has XXXX that my account was on contract until XXXX and that my contract was valid. I told them that I cancelled that contract on XX/XX/XXXX and they said to provide proof. At the time I did not have access to my records. I have requested additional proof, but not received anything except text messages saying they will remove this from my credit report if I pay {$300.00}. I contacted XXXX / XXXX, but they have not provided me with any requested records though they emailed me saying that the last know payment was in XXXX. ( I will attach email. ) I submitted a dispute resolution with XXXX 2 times. I submitted the documentation from XXXX XXXX XXXX with everything they sent me including the billing summary showing that my account went initially delinquent on XX/XX/XXXX. Thus the account is over 7 years since it was current. XXXX said that they researched the case and found to be valid.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00921	Web
Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score. DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. These are the account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIONS DEBT HOLDINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
11/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73020	Web	Servicemember
Zion Debt Holdings purchased a debt from XXXX XXXX XXXX This debt was falsely put into my name. I owned a home in XXXX OH, from XXXX to XXXX. We moved ( on a military move ) from the home in XXXX in XXXX and rented it out to a XXXX XXXX. I contacted XXXX in the summer of XXXX to have the security account transferred to XXXX XXXX. XXXX acknowledged the change and sent me a confirmation e-mail of the change. It tuns out XXXX XXXX had an outstanding balance with XXXX. I'm assuming XXXX XXXX let the balance go unpaid and the account went in default. XXXX purchased the debt in XXXX in XXXX and reported it on my credit report. I disputed the delinquency via XXXX. I also provided email correspondence between XXXX, and I that confirmed the account was switched to the renter -- XXXX XXXX. Zion Debt Holdings ignored the facts and verified the debt as accurate. They contacted me and told me that if I paid the debt in full that they would remove collection from my credit report. XXXX XXXX should complete further research to see if the debts they are purchasing, are in fact proper debts prior to reporting collections on credit reports.
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ XXXXX	Web	Servicemember
COMPANY AT FAULT : ZION DEBT HOLDINGS LLC THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX BANKRUPCY COURT. I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX ALREADY NOW THIS COMPANY ZION DEBT HOLDING LLC, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN XXXXXXXX XXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30224	Web	Servicemember
Zion Debt Holdings sent a letter in the mail and nothing in the letter was what was requested. I have spoken to someone on the phone from Zion Debt and they assured me that they had the right person and the original contract with a wet signature verifying that this was indeed my debt. The letter that was sent was not what the representative said they would send to prove verification of the debt. This is not my debt, Zion Debt will not be paid by me for this account. At this point they have not done a thorough investigation into this and they are now trying to strong arm and bully money. One my credit report it states this account was opened by me on XX/XX/XXXXXXXX XXXX XXXX XXXX this is incorrect and is not my debt. Zion Debt Holdings must follow the Validation of Debts ( 15 U.S.C. 1692g ) I requested validation for this debt and they did not send what the law requires for verification. The verification for this debt must fit the requirements within the law. There is no social security numbers, birth dates nor wet signatures provided to verify this information. This is not a verified account.
01/25/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60643	Web	Older American
The company did not provide any information that I owed the debt. Zions Debt Holding provided NO credit application and NO contract with my signature. I had NO CONTACT with the company who originated this debt ( XXXX XXXX XXXX ) and I provided NO information to open the debt. There are no credit inquiries on my credit reports and no personal identifying information associated with the debt. No account has been reported to the bureaus. Zions reported the debt with NO PII. Zions provided no PII to validate the debt, no application, no signed contract, nothing. T The debt was created on a rented property that I own. The property is a Federally regulated property rented to a low income senior ( XXXX ) XXXX man. The original debtor 's representative ( XXXX ) used unfair and deceptive practices to obtain my name as the owner of the home. The tenant has taken full responsibility for the debt, does not have my PII and NEVER provided anything other than my name. If Zions or XXXX have any PII it was obtained fraudulently and illegally by the debtor! The debtor has illegally opened an account in my name.
11/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30224	Web	Servicemember
Zion Debt Holdings sent a letter in the mail and nothing in the letter was what was requested. I have spoken to someone on the phone from XXXXion Debt and they assured me that they had the right person and the original contract with a wet signature verifying that this was indeed my debt. The letter that was sent was not what the representative said they would send to prove verification of the debt. This is not my debt, Zion Debt will not be paid by me for this account. At this point they have not done a thorough investigation into this and they are now trying to strong arm and bully money. One my credit report it states this account was opened by me on XX/XX/XXXX, th XXXX, this is incorrect and is not my debt. Zion Debt Holdings must follow the Validation of Debts ( 15 U.S.C. 1692g ) I requested validation for this debt and they did not send what the law requires for verification. The verification for this debt must fit the requirements within the law. There is no social security numbers, birth dates nor wet signatures provided to verify this information. This is not a verified account.
04/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35806	Web
I am writing to request validation of the debt that you are attempting to collect from me. I have not received a validation letter from you, as required under the Fair Debt Collection Practices Act ( FDCPA ), and therefore, I am uncertain as to whether or not I owe the debt. As a consumer, I have the right to request validation of any debt that is being collected from me. I am requesting that you provide me with proof of the debt, including the amount owed and the name of the original creditor. If you are unable to provide proof of the debt, you are required to cease collection efforts. I would also like to remind you that, under the FDCPA, debt collectors are prohibited from engaging in any unfair or deceptive practices when attempting to collect a debt. This includes continuing to collect on a debt that has not been validated or pursuing a debt that is not mine. I am hoping that we can resolve this matter quickly and amicably. Please provide me with the necessary validation of the debt as soon as possible so that I can address this issue and move forward.
08/01/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ID XXXXX	Web
This company purchased the debt from another debt collector who purchased it from XXXX in XXXX .... The company held onto the debt with out any notification until XX/XX/XXXX and then tells me I owe them interest ..... This is a scam. They should have provided immediate notification of buying the debt and pursuing charges. Instead they banked up and insane amount of interest and wait until the last 50 days before their final collection debt to attempt to collect it. I called the company and the Spanish lady was very arrogant and lippy. I explained the debt had been settled and they still advocating that I owe. She proceeded to over talk and use profanity in XXXX and hang up on me nearly 7 times when I called back trying to resolve this matter. Finally I got some English speaking guy explained it all and he is sending me some of the documentation. I feel a complaint needs to be longstanding against this company for the corrupt practice of harboring the debt allowing the interest to cascade and their license to operate in the state of Idaho revoked.
05/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28269	Web	Servicemember
On XX/XX/XXXX Zions Debt Holdings reports to all three credit bureaus that I owe them {$1900.00} because they claim to own XXXX account. I received a credit notification via my credit monitoring service. Dropped my credit score by XXXX points. The first me ever hearing about this. I sold the property in XX/XX/XXXX where the equipment was and/or is located. The current owners are responsible for any bills that occurred after XX/XX/XXXX. All bills associated with this account was paid off when the house was transferred/sold. The problem I have with this company is I didn't know they had me on their books owning anything and I believe they are trying to collect on a debt that's already been paid. I established an account with XXXX XXXX Loan who serviced XXXX my Account on XX/XX/XXXX. Attached is the Federal Truth in Lending Disclosures. I will be reaching out to the Attorney General to find out how many other people have been effected by these fraud claims. The attempt to collect debt from people who has paid already. I have my documents.
04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
I received notice from XXXX of a collection from this collection agency of a debt from XXXX who was bought in XX/XX/XXXX by another debt collector and was included in the bankruptcy I filed on XX/XX/XXXX because I dont owe or never owed XXXX anything beyond my contract with them.They have opened an illegal account and placed this collection once again on my credit report and it needs to stop. I filed bankruptcy for relief from debt I dont owe, not to be recharged by other debt collection agencies and placed on my report to hurt my credibility. Vivint cant be reached by the CFPB as was stated in the case from XX/XX/XXXX which lead to being reported to FTC in the final resolution. I have provided proof of the original debt and the dates which were years ago not XX/XX/XXXX as shown on this bogus debt. I had no service with XXXX at that time, the contract had expired because it was completed. To this date this agency and other collections agencies continue to buy this debt and come after me. This needs to stop. It is not a valid debt.
09/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 333XX	Web
Back in XX/XX/XXXX, XXXX installed an alarm for me. I was dissatisfy with the result and service and equipments were returned as instructed. They claimed the never receive it and demanded payments. Because I was going through so much with my husband who undergone a XXXX XXXX followed by a XXXX, I didn't follow through and allowed them to get payments. I was dealing with too much. XX/XX/XXXX, I received an email stating that there was a missed payment. It was because the card was lost and account had changed. I called and provided them a new card along with the balance which I will attach the email. I was told they will send me a paid receipt which I never received. Instead, they sold my account to a third party who placed the account for collection. And, they are asking for more than what the alarm original cost. Now, not only I never received the service from XXXX, returned their equipment, paid them in full. Now, they got money from another company and allow them to come after me for the full amount again. That's in sane.
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46410	Web
Under Title 15 USC 6802- I am supposed to be given 3 Disclosure forms and consent to a company sharing my personal info via credit reporting agency. I do not have an account with this company, therefore they were not able to share said Disclosure forms with me deeming this reporting fraudulent. Here is the law : Title 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
12/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85142	Web
XX/XX/XXXX I received a text from a company claiming to be Zion Debt Holdings that read XXXX... We purchased your past due XXXX XXXX XXXX. Please call us to discuss and resolve. ~Zions Debt Holdings I called because I used to have the service and knew this was in error because I ended service in XX/XX/XXXX. They were telling me XXXX sent it to collections for my last payment and now I owed {$110.00}. I asked for a number to XXXX to resolve because it was wrong. I called but it was a XXXX it support number. I called Zion Back and told them they had wrong information because I dont owe anything. They told me they could send my billing history and I had to show that I received a letter from XXXX that it was cancelled because they were stating it was closed for non payment which I knew to be wrong. I search my emails and was able to find all my communication from XXXX that the service was terminated by me. They continued to tell me they reported to credit bureau. The text came from XXXX
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32720	Web
Account Name : Zion Debt Holdings orginal creditor : XXXXXXXX XXXX XXXX XXXX For {$650.00} I do not own this company anything. The original creditor had sent me detailed info on this account years ago. I sent in the info to all 3 credit bureaus and had the account removed. Years later its showing up on my credit report bought by Zion Debt Holder. Ive disputed with XXXX and XXXX and they removed it. XXXX refuse to delete this account and keep up ding my info as verified. Ive asked them to send me proof and method used to verify and also requested that the creditor send me the original contract with the bill detail and my signature. They refuse! I have a perfect credit profile and XXXX reporting this inaccurate information about me is damaging. I wouldnt mind the reporting if it was accurate. The name and address was reporting incorrectly on the account also. I pointed that out and all XXXX did was updated my info and refuse to delete the negative inaccurate reporting of the creditor.
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 401XX	Web
ZIONS DEBT HOLDINGS, XXXX and XXXX are all acting in bad faith by not abiding by federal privacy and consumer protection laws. ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the XXXX XXXX I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 550XX	Web	Servicemember
A Company by the name of Zions Debt Holdings is claiming I owe them money from a XXXX XXXX account collection that I have never in my life had. XXXX a couple years ago posted this same false information to the credit bureaus which hurt my credit in which I disputed it with them and the credit bureaus to have it removed as it was not ever purchased by me. They did remove it as it was an error and now a couple years later this Zions Debt Holdings is claiming that they bought the debt and trying to collect money from me. Again, I've never had XXXX XXXX and this contract that Zions Debt Holdings has was done so in identity theft and doesn't belong to me. I've had XXXX XXXXXXXX XXXX my home since moving in and that is and has always been in good standings. I ask that this collections account be removed from my credit report and fully cleared from my name as someone clearly used my name and address to get a contract for security only to cancel it shortly there after. Thanks much.
04/06/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MD 20906	Web
In accordance with the Fair Credit Reporting Act, [ ZIONS DEBT HOLDINGS LL ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The Estate of XXXX XXXX XXXX is not privy to any contracts between ZION HOLDINGS LLC and its associates. I DO NOT UNDERSTAND, I DO NOT CONSENT, I DO NOT ACCEPT. I DEMAND A CEASE AND DESIST, YOU ZION DEBT HOLDINGS ARE NOT AUTHORIZE TO USE OF THE TRADE NAME OF THE ESTATE OR COPY RIGHT ON ALL MEDIUMS AND PUBLIC PLATFORMS. FAIR NOTICE TO ALL PARTIES INVOLVED. THIS IS A XXXX COPY RIGHT INFRINGEMENT VIOLATION ACCORDING TO THE ESTATE FEE SCHEDULE OF FILE. THE ESTATE WILL ALSO BILL XXXX FOR COMMERCIAL INJURY. THIS IS A PUBLIC COMMUNICATION TO ALL All rights reserved UCC1-308 Notice to agents is notice to principles Notice to principles is Notice to Agents Applications to all successors and assigns
05/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 73505	Web	Servicemember
I had a company XXXX, that was trying to collect a Debt for the amount of {$1900.00} they turned the amount to a company called XXXX XXXX XXXX in XXXX which placed it on my credit report, I disputed the account with all 3 credit bureaus and successfully got the item removed from all 3. This debt not owed by me has been off my credit reports for many years now. Recently a Debt purchasing company purchased this paper from XXXX XXXX XXXX who represented XXXX, and without any notification by phone, email, or text they placed the account back on my Credit Reports without any chance to dispute the matter within 14 days I am allowed by law. I would have explained to them the circumstances with this debt not owned by me, but they never notified me, I was notified by XXXX that they placed this debt on my credit report without contacting me what so ever. I want this removed and they should be fined due to their lack of abilities to follow the laws that govern this matter thank you
06/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78201	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authority, used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This information has caused me to suffer monetary losses and defamation of my character.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ XXXXX	Web
In accordance with the Fair Credit Reporting Act. The following account is inaccurate and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : Zions Debt Holdings, LLC, Account # : XXXX, Amount : {$1000.00}. USC 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1781 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78572	Web
Signed up for residential security with XXXX for an agreement of service for 60 months begin on XXXX to XXXX. To my knowledge all commitment was meet with the last payment on XX/XX/XXXX. I suspended the services as they rolled over a month to month service at double costs and wanted me to resign for another 36 month term. That was the end of the the original agreement. Since XXXX sold the account to Zion debt holdings reporting an inaccurate account balance. The only record Zion was able to provide was an altered hand written copy of the original contract showing multiple changes as to costs/month and the total number of months. When asked to produce a detailed statement of account they ignored the request and proceeded to submit the report to credit agencies. To my knowledge the altered document miss represents our agreement as non of those alterations were agreed upon. Such document does not show a breach of contract and is false and not valid.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 945XX	Web
I have disputed a collection from ZIONS DEBT HOLDINGS LLC in my XXXX credit report because the delinquent XXXX XXXX XXXX account does not belong to me. The account is opened by my tenant, and I don't how the account is a joint account with my name on it because I have not signed any contract. I have submitted an email to XXXX showing that my tenant has agreed to paid off the balance. I don't know if she will eventually pay it off, but this is evidence that I'm not responsible for this account. My credit score is lowered at no fault of my own. XXXX 's dispute results stated that the collection is " Verified and Updated '', and the collection is not removed. I don't understand how XXXX verified the collection because I have not signed any contract, and I should not be responsible for the actions of my tenant. XXXX is blindingly taking ZIONS word without requesting for hard evidence. XXXX is complicit in this fraud and harassment.
10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30052	Web	Older American
Requested original signature on invoice, serveral times, from 1. XXXX XXXX XXXX, reported XXXX {$1900.00}, and 2. Zion Debt Holdings, reported XXXX {$1900.00}. To see if this debt was my debt. Who will pay a bill without a receipt or invoice have not received anything at this time. When I reach out to them conversation start out good then when I asked for documents with my signature and date the become aggressive and anger. Telling me I need to pay this amount I disputed this with XXXX, XX/XX/, my dispute was denied each collections. These account are ( old. ) I asked XXXX why was my dispute was denied they said the collections agency said the debt was my debt, I asked did they send original documents of any kind, XXXX said NO!, they never request and documents from a collection agency These collections agencies and credit bureau are not verifying just reporting info This info is not on my XXXX credit report XXXX XXXX XXXX XXXX
06/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
First the original contract was with XXXX XXXX since than there has been 3 debt buying collection agencies that have harassed me in regard to a debt I don't owe. Previously I sent this to you this in regard to XXXX XXXX XXXX now it's been sold to ZION DEBT HOLDINGS who has been calling and texting me back-to-back for a debt 1st they never sent validity of the debt. I have disputed this debt with XXXX, XXXX and XXXX it was removed from XXXX however now this new Debt company has this on my credit report. as if this is a new debt. First, I don't owe them anything. I have advised Zion holdings that this contract ended in XXXX. I have this affecting my credit report and I can't move into apply for credit for a new house due to this. This account is out of the statute of limitations. and this company is harassing me. I have written letter after letter to the 3 reporting agencies for them to keep telling me Updated with no contract ....
10/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92555	Web
This already happened back in XXXX from the company XXXX where someone open an alarm system under my name in XXXX XXXX nevada under my social security number but in a different address i do not live or own and under a different phone number. I requested all information on the contract which the company at that time provided and the signature on the contract does not match mine, i reported it to the police and I received a file number under XXXX with officer XXXX. Now that i check again my credit report some company showed up under collection from XXXX smart home care from zion debt holdings which i do not recognize and not authorize for the amount of {$2500.00} this was reported since XX/XX/XXXX from my credit report, there was no notice given or mail received regarding this debt. I would like to open an investigation regarding this alarm company XXXX because they have been opening accounts and using other peoples name.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95350	Web
Zions Debt Holdings # XXXX : I did NOT open this account nor give authorization to anyone to open this account on my behalf. This credit reporting is either fraud or a mixed file. I have filed a claim with the police dept. and the FDIC, please see attached. Upon taking matters into my own hands, it appears that someone either used my information to gain goods OR the credit bureaus got the wrong person that has the same name. I contacted the original creditor " XXXX XXXX XXXX '' and they provided me with a copy of the original sale contract. Please see attached. The goods from this company were purchased for a business called " XXXX XXXX XXXX '' which I do NOT own or have ever done business with. I have never associated myself with the address that is on the sales contract. The phone number on the sales contract is not mine as well. This is a clear mix up or fraud. Please delete this erroneous reporting from my credit asap.
02/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PR XXXXX	Web	Servicemember
Since XXXX, XXXX XXXX XXXX to collect {$420.00} from a service they never provided me alleging they bought XXXX XXXX XXXX XXXX XXXX XXXX whom I ended the 3 year term contract for failing to repair damaged equipment, as security cameras, door and window sensors. Notification was mailed 1 1/2 month prior to the end of the 3 year contract term to avoid another year auto extension. XXXX collections companies had tried to collect and had been removed from my credit report but they still affecting my credit by submitting the same collection under different collection company. Now XXXX has dropped XXXX point ( from XXXX to XXXX ) of my XXXX XXXX due to this nonsense action. XXXX, XXXX and XXXX already received this collection in XXXX under XXXX XXXX XXXX. In XXXX XXXX received it under XXXX XXXX. Every time the credit agencies remove the collection another collection company report this fraud to the agencies and affect my credit.
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75067	Web
I had a XXXX alarm rep stop by my business in XXXX. In which I signed up for. 1 year later XXXX hit and I contacted XXXX to cancel service as my business was closing. XXXX cancelled my account over the phone and I never heard from them again. Today XX/XX/XXXX I receive a text message from a debt collector called zions debt holdings llc stating I owe {$1800.00} or they are reporting to the credit agencies. I spoke with XXXX and they stated the debt is valid. I called XXXX and they stated they cant speak on the account as it was sold to a company called landmark. I called XXXX back and they stated they bought this debt from landmark which is no longer in business. I have perfect credit and never been late on any of my bills. This seems like a scam and needs to be stopped. XXXX states I signed a 4 year contract with XXXX, however when I called them in XXXX the guy on the phone understood and said my account was cancelled.
09/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 315XX	Web
I noticed a collection on my credit report from Zion Debt Holdings and opened a dispute on the XXXX XXXX. Shortly after, on XX/XX/XXXX, Zion Debt Holdings ( ZDH ) texted me. The company ZDH claimed to have bought my supposed account XXXX for {$500.00}. They claim I had this service for 5 years starting in XXXX ( All of which is false. ) I asked for a copy of the supposed contract I signed with XXXX and have not received it. I called Zion Debt Holdings today on XX/XX/XXXXXXXX from the number listed the XXXX app and tried to explain to the company I am a victim of fraud. ZDH told me to call my local police station. I do not have an alarm system. I did not sign a contract with XXXX in XXXX nor did I have professional security service for over 5 years. I have had unusual, fraudulent activity from person ( s ) using my personal information in the past to set up light/ utility accounts and other purchases.
06/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91786	Web
Zion debt holdings informed me that they purchased an old account from XXXX that was opened by a roommate/tenant of mine back in XXXX. I previously spoke with XXXX XXXX in XXXX and explained that I had not opened this account for a home alarm system, and was assured that the problem was taken care of. Before ever contacting me Zion holdings proceeded to put this on my credit report, ruining my score and causing my credit to be damaged severely. I disputed this with the credit bureau, letting them know that this fraudulent debt was not mine and was over 15 yrs old. I recently received a text from Ziondebtholdings saying, theyve purchased this account from XXXX and would be willing to settle the balance owed from {$910.00} for {$690.00} if paid by XX/XX/XXXX with full deletion from the credit bureaus.They also included an account # XXXX. I was never notified before they reported to the credit bureaus.
12/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23513	Web
I recently checked my credit report and was notified of a debts on my account from ZIONS DEBT HOLDINGS. I contacted the company on XX/XX/2023 at XXXX and told the representative that I did not receive any notification of debt, I only found about about the debt from the credit reporting agency so I was not given a chance to dispute the debt. I dispute the debt and the amount owed. I also requested validation of debt from the company and was told that I would receive the validity statement via my personal email XXXX within XXXX from the date requested. I have not received any written or telephone communication from the company since then. They just keep adding the debt to the various creditors. This company NEVER send me any communication at my home of residence or my personal email in regards to this debt. I didnt not receive any phone calls or notice in regards to this debt. Please help me, thank you.
05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45248	Web	Servicemember
The contract clearly State XXXX XXXX and the address is for XXXX XXXX. I have never lived on XXXX XXXX and I am not XXXX XXXX, That is also not my Social Security number. This debt is not Validation for them to try and collect. This company is violating Federal Rule of Civil Procedure 60 ( b ) ( 6 ) ( " Rule 60 '' ). This company is violating the Fair Debt Collection Practices Act 807. False or misleading representations, 812. Furnishing certain deceptive forms. They have provided no proof of Validation of debt. Violating 805. Communication in connection with debt collection 812. Furnishing certain deceptive forms ( Provide forms that the contract was written for XXXX XXXX ), 816. Relation to State laws ( Has no right to operate in Ohio ), 805. Communication in connection with debt collection ( continued to text me after they were told to stop all communication ). I still have all messages.
10/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75189	Web
This is the 2nd complaint. I asked the company not to reach out to me via telephone call after I informed the company " Zion Debt Holdings LLC '' this account was fraudulently opened using my social security number, but in someone else 's name. My name is " XXXX XXXX '', I am the sole owner of the social security number ending in XXXX. I have never went by any other name or alias. This debt is in the name " XXXX XXXX ''. I notified Zion Debt Holdings LLC '' on XXXX to notify them that this debt is the product of identity theft I also told them my name and that I was the sole owner of the social security number ending in XXXX. I also told the company to seize contacting me and that I was in the process of making a police report and complaint against their company. The next day XXXX I was sent a series of text messages from Zion Debt Holdings LLC asking me to pay off the account for deletion.
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 380XX	Web	Servicemember
A report was filed with the credit bureau that I owed over {$1800.00}, which I do not. I looked up and called Zions Debt holdings File number XXXX in XXXX Utah XXXX The lady on the phone asked if the last 4 of my SS number were .... and she was correct. I did not supply the information. She said she could see that i did not owe any money to XXXX. I demanded it be removed and the credit score reversed. I do not know if this will happen. If you read EVERY SINGLE review, including with the XXXX states the same thing, the company appears to have old acount info from home security companies and reporting volumes of debt to the credit bureau that do not exist. How and WHY are you allowing a bogus company to negativey affect so many innocent people???? They should be BANNED from being able to report anything against consumers. please investigate and stop this government sanctioned fraud.
05/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45248	Web
Zion Debt Holdings has failed to do any of this. As they are a 3rd party debt buyer. They have not shown cause to report this debt, or prove they are the owner of said debt. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies.
12/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MO 648XX	Web
I moved from XXXX XXXX XXXX in XXXX and had XXXX XXXX XXXX on my house that I was renting. I moved into my in-laws house in XXXX of XXXX. Called XXXX multiple times and told them I dont have a house of my own to put the system on. XXXX was okay with that as long as I was paying my security equipment loan. I paid the loan off in the middle of XXXX. Two months ago I got a text message out of the blue saying I owed {$1700.00}. I called the number to find out what the issue was. They said that XXXX had sent me into collections. I havent heard from XXXX since XXXX and now it has hit my credit with a Derogatory mark and lowers my score by XXXX points. I was never notified of a debt of that amount and furthermore was never provided any notice that I would be sent to collections. This debt needs to be removed from my credit report and the collection account closed. I do not owe it.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76543	Web
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This collection account has reported incorrect Account opened date, Term Date and more
05/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KY 401XX	Web
ZION DEBT HOLDINGS LLC is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. ZION DEBT HOLDINGS LLC is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.
10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NE 68104	Web
XXXX TO XXXX YEARS AGO SOMEONE FALSEFIIED MY NAME AND INFORMATION TO RECIEVE SERVICES FROM A SECURITY COMPANY. WHEN I WAS FINALLY MADE AWARE OF THIS, I EXPRESSED TO THE COMPANY THAT IT WAS NOT ME AND IF THEY LOOKED AT THE SPELLING OF MY NAME, THEY WOULD SEE THAT THE SPELLING WAS INACURATE. I ASKED THEM TO SEND ME A COPY OF THE BILL, ON ARRIVING I SEEN THAT THE NAME WAS SPELLED ANOTHER WAY. FAST FORWARD A FEW YEARS LATER A THIRD PARTY DBT COLLECTION COMPANY HAS PURCHASED THE DEBT AND IS NOW WANTING PAYMENT. WHICH I EXPRESSED TO THEM ALSO THIS WASNT ME. THEY SAID THEY DIDNT CARE THAT THE NAMES DIDNT MATCH AS LONG AS THE DOB/SSN MATCHED. I REQUESTED A COPY OF THE ORIGINAL BILL FROM THE ORIGINAL CREDITOR VIVIT TO SHOW PROOF THAT THE NAMES DONT MATCH. TO WHICH I WAS TOLD IT DONT MATTER IF THE NAME AND SIGNITURE ARE MISPELLED WRONG.
06/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30096	Web
First I received a email from XXXX so I login and see an inquiry from unknown company called Zions Debt Holdings LL so I immediately contacted XXXX you asked them about this and I asked for this to be removed from my credit report because I have any knowledge of these people with in few they Zions Debt Holdings LL sent me a text message violation of my right on as a consumer to In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any
04/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I declare under penalty of perjury ( under the laws of the United States ), that the information provided is true and accurate to the best of my knowledge. Additionally, I certify that I am allowed by FEDERAL and STATE LAW to file this dispute on my own behalf. I also understand that knowing and willful misinformation or omitting of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report is not related to any transaction that Ive made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being invessigated by the FTC.
01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 463XX	Web
In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from unfair credit and collection practices I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Zions Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
01/24/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60448	Web
Zions Debt Holdings has posted a collection action on my credit report with respect to an alleged debt owed in connection with an account I previously had with XXXX XXXX years ago ( Account Number XXXX ). That account was cancelled in XXXX ( in accordance with the terms of the agreement with XXXX ) and at the time of cancellation no amounts were owed. I supplied all of this information ( and more ) to Zions, including a copy of both the agreement I had with XXXX XXXX showing my right to cancel ) and a copy of the cancellation letter I sent to XXXX XXXX XXXX. I have also disputed this account with XXXX XXXX times already. However, in each case Zions continued to allege that the subject collection action was valid without suppling any supporting information whatsoever ; either to me or to XXXX. I
02/01/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	IL 60649	Web
I am a victim of identity theft. I track down the person who use my information fraudulently to open a security system at an address I never live at. Ive tried contacting the company. They told me I have to prosecute this person but I dont have money to hire a lawyer. Thats not my signature in the application I have a police report is there anyway this can be removed I dont have money to hire a lawyer the person who used my information Her name is XXXX XXXX . The number that this person use on the application is not my number I was able to XXXX that number and I found a website by the name of XXXX XXXX XXXX I put that number in and her name came up. She also has a XXXX. She used a XXXX XXXX on the application as well. I was able to locate that XXXX by the name of that email on the application.
12/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78260	Web
Zions bank obtained my debt from vivint communications in 2019, I never heard from them, never had any type of communications from Them for almost 4 years until earlier this year advising me that debt had gone from approximately {$300.00} to over {$2000.00}. I do not know what interest rate Im being charged, never received any type end of year balance status or any type of communication. I have been paying the balance they say I owe this year and last Friday I asked for the balance of this loan so I can look into paying it off. The account manager XXXX XXXX went and filed a collection notice to my credit report which cause it to drop XXXX points today. The balance that was due was paid and it wasnt even 30 days past due. I want this credit mark removed and this company investigated.
01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 401XX	Web
On XX/XX/2023 - ZIONS is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. It is the CFPB 's job to protect the consumer and ENFORCE the LAW. ZIONS has also never validated the alleged debt they CLAIM I owe. And they are also not honoring my request to opt out which I have sent sever times which is also an unlawful act on their behalf. Please forward to general counsel. 16 CFR Part 313
04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ XXXXX	Web	Servicemember
Zion Debt Holdings LLC has put a negatitive collection account on my credit report for a debt back in XXXX that was discharged in bankruptcy XXXX XXXX XX/XX/XXXX I have sent them information and my bankruptcy attorney sent them information informing them that this debt was included in XXXX XXXX, and they should not be reporting, calling me or trying to collect. It stopped for a month and not they have added this to my report which caused a plunge in my credit score a few weeks ago they were provided all infomration, it public records, the company they bought the debt from is called XXXX, they were provided information prior and after the bankruptcy was dischaged Bankruptcy ref # XXXX dat file XX/XX/XXXX discharge XXXX XXXX XXXX XXXX XXXX XXXXXXXX
05/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Servicemember
A company called XXXX claimed I setup a security system in a home I do not own and only rented a room for a short amount of time. The home owner stole my information and opened a account according to the company. I filed a police report in XXXX and I disputed the account they put on my credit. It was removed. XXXX of XXXX this company sold the account to Zion holdings and they put the account back on my XXXX and XXXX credit report, this is not only a debt Im not responsible for they are claiming I owe the debt as of today which is not true. I disputed this with XXXX and they upheld the information as accurate which is not true. Im not responsible for a account I did not open that was done via fraud and identity theft
07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20747	Web
XXXX DEBT opened tradeline on my credit report XX/XX/XXXX however my report show opened on XX/XX/XXXX. I called XXXX XXXX XXXX to inquire about this issue and was advised that this is for Viviant Bill from XX/XX/XXXX and they I owe XXXX {$1400.00} plus in fine/etc and will need to pay or settle the account for {$800.00}. I advised them that this is not my account. I've never had viviant ring/door camera however I do have XXXX and XXXX with them for some years now. I am requesting that XXXX remove this debt from my report. I would like to have them removed. I never had an account with XXXX XXXX back in XX/XX/XXXX or ever had an account this is the first I am hearing about this. Please have this removed.
10/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21224	Web	Servicemember
Around XX/XX/XXXX I received notice that I owe money to XXXX XXXX XXXX via Zions Debt Holdings. I was told that this debt was from XXXX. I told the lady that i am not aware of owing XXXX any money and suggest them send me over documentation showing me such. I have not received any paper work since. I asked what is the process in filing a fraud claim against this and they said that I have to file a report. I have looked about my records and recalled me canceling this service in XXXX. Also, I don't recall receiving any invoicing after i canceled service. Not knowing the true dates of this service i have to believe this is fraud or Identify theft. I wish this debt to be forgiven and deleted off my credit report.
09/14/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28027	Web
I checked my credit report recently and noticed a debt collector had posted a negative comment in XX/XX/2022. However, they made no attempts to contact me and negatively affected my credit score for 2 of 3 agencies. The fact that they did not contact me is my issue and they should now pay me double what they claim I owe as compensation. Further, two debt collection agencies have previously contacted me for the same supposed debt. I requested supporting documentation such as a signed contract or similar to show I owe the debt. Neither could produce any documentation and ceased their claim. Zion has used malicious, illegal, and libeling tactics and should be prevented from practicing as a collection agency.
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC XXXXX	Web
I have disputed Zion Debt Collections MULTIPLE times. Experian continues to report it even though the collection agency has provided NO proof of verification. The collection was removed in 2020 yet experian allowed it to be added back with no verification and without notifying me XXXX days prior as required thus giving me no time to dispute. The collection agency provided no XXXX day letter prior to attempting to adding it giving me no time to dispute. Experian has drawn this out and it is affecting my credit substantially. The collection company continues to repeat the same information and provides NO proof. I keep attaching these conversations from email showing this and NOTHING is done.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30329	Web
I am submitting this complaint to ZIONS DEBT HOLDINGS LL due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
06/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
We had a security system installed by XXXX. The System stopped working. When we got in contact with the company, they said they would send someone over. They never came. When I contacted them to cancel the service and get their security system from our residence, they instructed us that they will terminate the monthly service and we can keep the security system as we bought it. Therefore, we are disputing the charges. XXXX told us we did not owe anything. They were later bought out and now they are trying to collect a debt that we did not agree to with them. The system has been disabled for well over 13 years. Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
Zion debt holdings continues to report a collection for an account that have not been able to verify. This collection was removed from my credit when mountain run solutions reported it because it was inaccurate and does not belong on my credit report. They have not been able to produce anything that verifies the amount of the debt they are reporting or gives authorization to even report any debt. When asked for a final bill, nothing was produced. There was also nothing from XXXX provided to authorize this company to report anything on my credit. The account I had with XXXX was taken care of when I moved out of the home and the owner took over use of the equipment.
05/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 12550	Web
In XXXX I installed an alarm system with XXXX. In XXXX I called to cancel the service because of a drastic increase in the payment amount. Although the company agreed to cancel the service, I noticed the charge on my credit report from a collection agency in the amount of XXXX. After I disputed the charge with the collection agency ( XXXX XXXX ) they removed the charge from my credit report. Today, the charge was placed back on my credit report by a new collection agency named Zions. When I contacted Zions at XXXX, I was met with insults, threats, and profane laced language. I want this charge removed from my credit report since I dont owe them anything. Thanks
04/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33160	Web
Back in XXXX XXXX XXXX I had repeatedly contacted XXXX about canceling my account. Each time I was instructed to research my code work by emailing them, which I did. I changed the code word and was still unable to cancel my account. I then sent an email to them stating that I had already attempted to change the code word and cancel my service but their system would not allow me and they would not allow me to do so over the phone. So now 3 years later they send a bill for {$500.00} for a system/account that was never even used and was canceled. I did exactly as they instructed and could not cancel my account this is a very illegal business practice.
12/12/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	MO 64134	Web
This company has continued to violate my consumer rights but reporting inaccurate information to the credit bureaus. I have asked the to show me real proof of a written agreement that I signed or made any agreement too. This company has tried to harass me thru email stating I owe a debt that is not mine. This company still has not show me actul real proof i owe a debt which they bought from XXXX security company which had gotten sued for violating consumers rights.XXXX has closed and opend this account more than 4 times to try and make it seem like tgis debt is new which is another violation.I have proof down below in the description to show.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 191XX	Web	Older American
On XX/XX/23 I called XXXX to speak to a woman with an accent, she argued with me telling me to write a letter, she didnt want to give me any information, she did indicate it was an alarm company requesting collections. On XX/XX/23, I sent a letter to Zions Debt Holdings, XXXX XXXX XXXX XXXX, XXXX, UT XXXX, indicating this was not my account. I asked them to send me a copy of this alleged account or proof of debt, my letter was returned opened. I disputed with XXXX to correct this problem, they directed me to the FTC to report. Debt on my credit report is {$1300.00}. This is a fraudulent account, I showed XXXX a copy of the returned letter.
10/05/2023	Yes	Debt collection Other debt	Electronic communications You told them to stop contacting you, but they keep trying	TX 76132	Web
I sold a home almost 7 years ago and the buyer took over the security system contract. Both buyer and I ( seller ) provided this information in the original contract. A company with multiple complaints with the Federal Trade Commission ( Zion Debt Holdings ) has recently started harassing ME about this debt with the company Vivint. Ive produced documentation and asked them to STOP contacting and harassing me, even after I put it in writing to stop harassing me because I do not owe the money. Their employee name XXXX keeps contacting me via text on my personal cell phone. I am a busy doctor and she wont stop contacting and threatening me.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78573	Web
Zions Debt Holdings LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violation of federal law by reporting an ADT account that is over 7 years old since the last payment was made on all my credit reports. Zions Debt Holdings LLC was established in UT on XX/XX/XXXX is apparently practicing debt collection without a license once again. Previously, they did the same thing in XXXX under XXXX XXXX XXXX XXXX name. The same actors, such as XXXX XXXX, seem to be running this business. A complaint with the Utah Department of Commerce will be filed over the phone this week. Please use your federal oversight to investigate these people.
05/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web	Servicemember
I have sent 3 certified letters to this collection agency. Two have been sent back because the United States Postal Service labeled this business VACANT. One certified letter was received XX/XX/2023. I asked Requested a Debt Validation Letter and the Original Purchase Agreement. I requested the charge off date, last payment date, last transaction date and judgment date. I BELIEVE THIS COMPANY CAN'T VERIFY THIS INFORMATION AND I BELIEVE THIS IS OLDER THAN 7 YEARS. It is a violation of the FDCPA for a debt collector to refuse to send a Validation Notice or Fail to Respond to a Verification Letter. I BELIEVE THIS COMPANY IS A BAD ACTOR!
05/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63031	Web	Servicemember
Years ago I opened an account with XXXX XXXX who installed a security alarm at my residence. I was offered a small referral fee to refer friends and family. I referred XXXX XXXX to install an alarm at my fathers residence. The XXXX agent fraudulently used my information and opened and unauthorized account at my fathers residence to install the alarm. I was not made aware of the unauthorize account with XXXX until it went to collections. The current Collections Agency is Zions Debt Holdings who is demanding {$450.00}. I've attempted to remove this from my credit report without success therefore I'm asking for your assistance.
05/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22407	Web	Servicemember
On XX/XX/2023, I was informed that there was a change to my credit report via XXXX email notification. I called the company number displayed on the information given to me by XXXX but, had no luck getting through to the company. Company information is : Zions Debt Holdings LL Address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Balance : {$3200.00} I have no clue where this balance came from, or why it was sent to collections under my name. I am closely watching my credit report as I am looking to purchase a home and have no idea where this debt came from or why. I believe i may be a victim of fraud.
08/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95758	Web
Between XX/XX/2023 and XX/XX/2023, a new account in collections was added to your report. The collection agency is ZIONS DEBT HOLDINGS. The original creditor was XXXXXX/XX/XXXX ( they spelled XXXX wrong ) Amount XXXX, they didnt give me any contract or documents to verify the debt. I never signed any contract or agree to a service fee. I had two phone calls requesting info but never received it. I recieve a text XX/XX/XXXX, I called them requesting the forms, didnt receive anything. I got a second message XX/XX/XXXX, I called to again request the forms documenting and verifying the debt, but no response.
12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 401XX	Web
On XX/XX/2023 - ZIONS is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. It is the CFPB 's job to protect the consumer and ENFORCE the LAW. Please forward to general counsel. XXXX XXXX XXXX XXXX
04/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48198	Web
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/2022 {$970.00}
01/02/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34476	Web
On XX/XX/XXXX I purchased a home located at XXXX XXXXXXXX XXXX XXXX XXXX, Fl. shortly after I applied for XXXX XXXX XXXX. On XX/XX/XXXX my house was sold due my husband and I divorcing. The XXXX XXXX XXXX equipment was shipped back to the company and the services were paid for. I have disputed the creditor on several occasions. The information listed on my credit profile is not accurate, the account was originally opened in XXXX not XXXX. This account does not belong to me that was opened in XXXX. The name of the creditor is either misspelled or is completely inaccurate.
10/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07753	Web
It seems as though XXXX ( security company ) sold what THEY say I owe to Zions Debt Holdings, LLC. I received notice from the credit bureau that this collection was placed on my account. There was absolutely no prior communication from this company and the XXXX system has been out of my house since 2021 ( 2 yrs ago ). They placed an amount of over {$2000.00} owe which is definitely not the case. I have also filed a complaint with the XXXX XXXX XXXX regarding Zion Holding and XXXX. I still have had no contact with this company verbal or written. I DON'T OWE THEM ANYTHING.
04/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80112	Web	Servicemember
Years ago I was contacted by XXXX XXXX stating that I owed a past due amount for alarm services in XXXX Texas, I told them I have never lived in Texas and filed a police report and FTC report for the debt, then in XX/XX/2023 I am informed that XXXX sold the debt to Zion Debt Holdings I contacted them told them that I had furnished police reports to Vivant and that this was not my debt that I had never lived there, and they stated well we will see if you pay when we place it on your credit which they have done. This is not my debt and I have never lived in XXXX Texas
02/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00976	Web
Zions Debt Holding open on XXXX XXXX, XXXX a collection in my credit report of XXXX of {$610.00}. I WAS A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. This is not the first time that I complain about this, because the first time was XXXX XXXX XXXX that open a collection, XXXX XXXX, XXXX, of {$610.00} in my credit report of XXXX. After the dispute, later was remove from my credit report. In my credit report of XXXX there is a statement of fraud victim.
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	GA 30052	Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
05/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 489XX	Web	Servicemember
ZIONS DEBT HOLDINGS LLC showed up on my credit report today XX/XX/XXXX. I have been a victim of identity theft in the past and things come up in Florida from time to time. There have been reports filed in the past and I have no knowledge of an account from XXXX which seems to be a home security company. Shows debit was purchased by ZIONS DEBT HOLDINGS LLC in XX/XX/XXXX. I have lived in the same house for over 15 years and have XXXX has my home security system which is currently paid up to date. Again no knowledge of this account, Identity theft Victim.
03/17/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	DC 20020	Web
I received the following text message to my phone number XXXX. XXXX XXXX... We purchased your account from the alarm company XXXX. The balance owed is {$410.00}. We are willing to settle your account for a discounted amount of {$350.00}, if paid by XXXX. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zions debt holdings .com with account # XXXX. I have no idea who this person/company is. I do not owe this debt. I dont know how they got my telephone number.
08/17/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78230	Web	Servicemember
I was tricked into signing up for this XXXX account I was told I could get it if I applied for XXXX if I didnt have the money upfront so I did and I got approved I think for XXXX $ XXXX thought that was that the person that came over didnt tell me the total cost of what I was paying and that I would owe even more than what I got approved for. Before I could figure anything out and after services were rendered I got this big bill. I ended up getting XXXX n got rid of house n security system and they decided to add this balance to my account
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76548	Web	Servicemember
According to the Fair Credit Reporting Act says if a company semds information via electronically it says 14 days to allow a responce. I received an email from Zion Debt Holdings whixh went into my spam mail. The email only gave me 4 days to even respond to it and then put it on my credit report. That is not good practice for a Debt Collection Company to do, not even give me time to respond, make any arrangements to keep off credit, since the email aaid if I dont call or respond in 4 days it will go on my credit which is a threat.
07/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60411	Web
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 331XX	Web
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
05/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web
I XXXX XXXX do not owe this company called zions debt holdings I request all them to ceast and defrain. Also I do not have a contract with this company. Also this company never mailed me my right to dispute the validity of this debt. They are violating my fcra rights. I noticed this collection pop up on my XXXX report today on XXXX XXXX. If they dont delete I will have to sue under fcra law. I already have a fcra attorney ready to sue. Delete this off my credit and do not try to bill me for a debt I do not owe
05/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39402	Web
A XXXX Account Was Created By my Sister and Yes I Signed For Her To Get The Account and She Must Have Default on it, Well, Later XXXX Written Off and/or Discharged The Account About a Year Ago and Now Some Other Company Must Have Brought The Account and They are Citing My Credit as Collections, I Did Dispute it When it Was With XXXX and I Dispute This One Also. I Also Have Others That I'm Paying Back Through XXXX XXXX and It's Showing as Delinquint But It's Not I'm Paying Them, It's Just Through XXXX XXXX.
03/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AR 721XX	Web	Older American
I monitor my XXXX & XXXX reports regularly. In XXXX both my credit scores dropped. I noticed a collection from Zion on my XXXX report. I Disputed it & it was removed. Did the same with XXXX twice & it remains. XXXX deleted Zion from my wife 's rpt. I sent XXXX copies from my wife 's rpt. It showed XXXX XXXX as the agency in XXXX. Responsible party was ind. In XXXX. XXXX deleted XXXX XXXX from her rpt. Zion has changed Responsible party to joint in XXXX. We never received any communication from Zion.
10/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08330	Web
On XX/XX/XXXX a collections account was added to my consumer report by a collections company by the name of Zion Debt Holdings in the amount of {$1900.00}. The claim this account is an OPEN account that was opened on XX/XX/XXXX. I personally have NO knowledge of this debt nor of this collections account. On XX/XX/XXXX, I called Zions Debt Holdings and requested a validation of debt, as was told I was NOT able to get one and that she would not send me anything and she then disconnected the call.
07/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 38654	Web
I looked on my credit report a notice that this debt was on my credit report. I never received any written communication from Zions Debt Holdings LL. Zions Debt Holdings LL has put this debt on my credit file illegally. I can prove that I have never received any communication from Zions Debt Holdings LL. I have USPS INFORMED DELIVERY and I'm able to see everything that is mailed out to me. Zions Debt Holdings LL has placed this debt as a collection on my XXXX credit bureau credit file.
10/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19802	Web
This account was disputed and I provided legal proof that the account was under XXXX XXXX. I also provided proof of ownership in my divorce papers for responsibility and ownership of the XXXX account. The company then removed my name from all claims in 2020 and recently a company named Zion Debt Holdings then put a derogatory collection mark onto my credit report without proof. I am seeking that the party fully removes this account status from my credit and seek the responsible party.
10/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10001	Web
Zion Debt Holdings opened debt collection against me on XX/XX/XXXX for an account that is closed in XX/XX/XXXX and in good standing at the time of close. I saw an update to my credit report XX/XX/XXXX. XXXX did not contact me through any means before reporting to credit agencies. As of XX/XX/XXXX, I have yet to receive any detailed information related to the debt. XXXX has improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA.
06/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC XXXXX	Web
This collection continues to be notated as valid, however no notification of this debt was provided so that I could dispute it being added to my report after being removed in XXXX. No documentation in the form of a final bill has been provided, that is required. I was sent an email outlining fees from someone that does not work for vivnt and the notification I should have received to notify me of my right to dispute is dated for XXXX although the collection was added XX/XX/XXXX.
05/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 273XX	Web
I had an account with XXXX in XXXX. I couldn't pay it and it went into collections. That was 10 years ago! This account dropped off my credit report after 7 years. Now they have teamed up with Zions Debt Holdings LLC to attempt to collect this debt. The effective date is XX/XX/XXXX. This is long after it dropped off my report. The amount they are trying to collect is {$1100.00}. They can not come back three years later and put it back on my credit report!!
11/02/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21229	Web
I have written XXXX, XXXX and XXXX in XXXX XXXX about removing this collection from my credit report. The debt was removed in XXXX cause it was 7yrs old. Now 2yrs later Zion Debt Holding LLC Acct # XXXX. {$880.00} put it back on my credit damaging my credit. I have taken the necessary steps of writing the bureaus to let them know that this should be removed from my credit report several times. This letter that I uploaded is my second letter. Thank in advance
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32757	Web
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
11/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46514	Web	Servicemember
An attorney office of Zions Debt Holdings is reporting inaccurate information on my credit report, claiming I owe a XXXX debt through a company called XXXX XXXX XXXX. I contacted XXXX and they have no record of this debt and I also initiated a 3 way called to resolve this issue. XXXX told this attorney office they have no record of this debt nor do I owe a debt to them but the attorney refused to communicate and still proceeded with reporting on my credit.
04/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 315XX	Web
Name ZIONS DEBT HOLDINGS LL Address XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX is stating I owe a security system bill contacted collections company was sent a copy of contract. This is not my account never lived at indicated address. Also the contact phone number and email address is not mine. Finally the name on the contract is not mine This is making a negative impact to my credit score. Please remove never used this service.
04/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92860	Web	Servicemember
ZIONS DEBT HOLDINGS {$1700.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They are trying to collect a debt from my XXXX Sister. I do not owe them anything. I have had no contract with them and they have reported this to all three credit Bureaus. Who are they? They need to remove this from all three credit agencies. How can you use XXXX and create fake documents? I don't know who you are. You tried this on XXXX already now you trying it with XXXX.
04/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33071	Web	Servicemember
I was told that I owed XXXX security system 3 months of service e.i. {$90.00} .I tried to explain to them that I never had service with that company .they told me someone from that address did. Therefore I disputed it.now they sent it to a debt collector name " zion debt holdings LL '' with an outstanding balance of almost {$600.00} .I have been trying to contact those ppl vainly.so far Noone has returned my calls nor picked up the phone.
11/27/2023	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	TX 77065	Web	Older American
Zion Debt Holdings is attempting to collect on a fraudulent account that they purchased from XXXX alarm systems. This account was open unauthorized back in XXXX, XXXX removed it from my report but has now sold the collection as viable. This is fraud, I did not ask for it. I have asked that they provide the original agreement and are refusing to supply it because they know it's fraud. The outstanding amount owed is : {$3400.00}.
11/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 90703	Web	Servicemember
I am not liable for this debt with XXXX XXXX XXXX Furthermore, I do not have a contract with Zions Debt Holdings. They did not provide me with the original documents I repeatedly requested and harrassed myself and family members for a week straight via phone call. They threatened to sue and would not stop calling until I had to tell them to cease and desist immediately! I have video/audio recording of these calls as proof.
07/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web
Some one used my Social Security number to subscribe a monitoring system for his apartment on XX/XX/2017 without my knowledge. The address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and I never stayed this address. The original creditor was XXXX XXXX XXXX and the collection agent is ZIONS DEBT HOLDING. The name mentioned in the application is only my first name as XXXX XXXX and the application was electronically signed
02/05/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA XXXXX	Web
XX/XX/2023 I was I notified by my Identity Theft protection company that there was an alert placed on my Transaction credit report attempting to collect a debt. This company never notified me by mail of this debt. I am not sure how this company obtained my personal credit information not to mention my name or social security number. I have never heard of this company nor have I ever done business with this company.
06/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77494	Web
The debt was paid in full and canceled after initial term. This is from XXXX over XXXX years. I notified the collections company that the debt was paid in full after term was satisfied. It is an alarm monitoring company. They have contacted me via my personal cell without permission. I have disputed it on my credit report and have notified them to remove this within 10 days. The contact is XXXX XXXX XXXX
07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 604XX	Web
When I check my credit report with XXXX XXXX, I noticed the same derogatory remark on my credit report. That XXXX XXXX removed in XX/XX/XXXX with XXXX XXXX XXXX. The contract was not signed by the company 's representative and myself dated XX/XX/XXXX. In XXXX XXXX investigation with Zion 's debt solutions stating they are FCRA Requirements is valid. To change the opening or collection date to XX/XX/XXXX
04/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92262	Web
I paid this account in full back around XXXX. There is no debt and this just popped up on my credit report. Original Creditor : XXXX XXXX XXXX : Zions Debt Holidings Amount : XXXX They have the date opened listed as XX/XX/XXXX I paid off a security system with this company ( XXXX ) I believe in XXXX. Now this debt collector is attempting to commit fraud and reporting fake debt on my credit report
09/06/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	MD 209XX	Web
Company ZIONS DEBT HOLDINGS LLC is attempting to collect a debt in my name for XXXX XXXX XXXX XXXX XXXX. I am in. O way familiar with this debt nor is this debt mine. Furthermore Zions IS NOT the original creditor. I do not know anything about ZIONS I have never authorized any business with XXXX Nor Zions debt holdings. I have opened a police report and this This account needs to be deleted.
05/24/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	AR 71603	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
08/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60411	Web
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
09/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 79424	Web
The debt collector didnt provide me with information about the debt, including the amount owed and to whom it was owed.I did not receive any written notification nor was I afforded the opportunity to request validation of the debt. All I received was a text message on XX/XX/29 notifying me that Zion Debt Holdings would report the debit to the credit bureaus if I didnt pay by XXXX.
03/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	ID 83646	Web
Received a text from someone named XXXX XX/XX/XXXX said I owed {$770.00} amount. As I had already disputed amount/was removed previously I asked for email to send them this information - I come to find they had already posted this on my credit report XX/XX/XXXX and to date Ive not received any sort of Debt Validation letter now over 90+ days of reporting this invalid debt.
06/16/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64134	Web
I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give Zion Debt Holding LLC written permission to furnish this account.
10/18/2023	Yes	Debt collection Other debt	Electronic communications You told them to stop contacting you, but they keep trying	TX 75048	Web	Servicemember
XXXX XXXX XXXX Contacted me via txt message without my consent to notify of a debt collection. No attempt to call me or letter by mail was attempted. This first notification that was received by text which they did not have prior authorization from me to connect me that way. I have since sent a letter to them requesting validation of the debt they are claiming is mine.
06/16/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64134	Web
I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give XXXX XXXX XXXX XXXX written permission to furnish this account.
05/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
I cancelled services with XXXX in XXXX. And paid my remaining balance. I made arrangements for them to retrieve equipment but their representatives never came to pick it up. They have been reporting a balance owed since that time but has never provided an explanation. As a consumer unhappy with their services I had the right to cancel. My agreement date has passsed.
06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web	Servicemember
Based on the FCRA law XXXX is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in 2022. This is not true. The debt was bought from XXXX for a account created over ten years ago. XXXX refuses to remove this account. Bought by Zion Debt XXXX.
12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44136	Web
I have a collection account on my report from Zion holdings which I never opened an account with. My account was sold to Zion from XXXX with my consent. This account is being reported as opened in 2022 which is also incorrect. I have written to have this account deleted from my credit report as the information being reported is inaccurate.
11/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91343	Web
In XXXX they just posted a collections account from Zions Debt Holdings for {$1800.00}. It says it's from XXXX for XX/XX/23. I have told them all that this account is not mine and have never had an account with XXXX. I have requested proof that this account is mine. No-one is responding and XXXX refuses to remove it from my credit report.
05/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
A collection for {$3400.00} was added to my XXXX credit report XX/XX/22. This is NOT my account. A similar collection attempted to be added to my account about 2 years ago, it was proven to NOT be mine, XXXX nor XXXX allowed Zions Debt holding to report anything on my credit report because it is not accurate & can not be validated.
09/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 721XX	Web
To whom this may concern, I received multiple calls from Zion Debt Holdings about a service I supposedly received. I told them multiple times I did not receive any service of XXXX XXXX XXXX. I do not know what this is never used any service of such. Please have them contact the correct person for this debt. Thank you in advance.
10/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30813	Web
Debt popped up as zions debt holdings dated dec. XXXX for XXXX XXXX XXXX XXXX havent lived at no other address since XXXX and my house hold never used this service. Has no knowledge. Tried to reach out to them XX/XX/XXXX and was placed on hold and XX/XX/XXXX I was asked to hold on two separate occasions and the phone hangs up
01/11/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89113	Web
THIS DEBT IS NOT MINE. PLEASE SEND ME ORIGINAL COPIES WITH ANY WET SIGNATURES AND PLEASE SEND ME A NOTARIZED COPY SWEARING UNDER PENALTY OF PERJURY THAT YOU WERE PRESENT DURING THIS ALLEGED DEBT. IM ALSO REQUESTING THE METHOD OF VERIFICATION AND FULL DISCLOSER AND WHO YOU SPOKE TO, NAMES, ADDRESSES, PHONE NUMBERS.
10/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30224	Web	Servicemember
Looked on my credit report and there was a line item in the derogatory section that claimed there was an unpaid debt of {$1300.00} to Zion Debt withholding. I do not owe Zion Debt withholdings anything. There has been no business with this company and no agreements have made between myself and Zion Debt withholdings
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21224	Web	Servicemember
Some used my name to open up account that aren't mine and do not match my address, phone number, or even the state I live in. Please note My suffix is Sr. I tried to contact the company but they say my information doesn't match and they can't pull up the account but it's showing up on my credit report.
05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 483XX	Web
collection agency reported to XXXX twice that this is my debt based on one old contract they say has my signature. I never ever ever signed anything with original creditor, XXXX, and sent the collection agency proof that back in 2017 I wrote an email to XXXX staff telling them the debt was fraudulent.
10/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30224	Web	Servicemember
There is a debt for {$1300.00} that is not mine, I have asked for the original contract agreement between myself and Zion Debt. I was told this was a purchased debt, I do not owe Zion Debt any amount of money. I am not obligated to pay a debt that was purchased from another company that is not mine.
09/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78418	Web
In XXXX I signed a three year contract with XXXX XXXX. My montly bill was paid to XXXX XXXX. When I sold my home I notified XXXX that I wanted to cancel. When I cancelled, a letter of cancellation was sent to me for signature. I never signed up with XXXX or made an agreement with XXXX.
09/11/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	OH 43232	Web
Re_aged litigation debt reporting after a class action lawsuit with FTC about XXXX, using UNFAIR CREDIT REPORTING with THIRD PARTIES COLLECTION AGENCY/ AS BEING SOLD..no re- investigation attempts, despite all of my disputes..This is the 4th collection agency bouncing back and forth.
05/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30316	Web
I see ZIONS DEBT HOLDINGS on my credit in the amount of {$1200.00} from XXXX XXXX XXXX. I have no knowledge of this of this collection, and would like for them to approve a contract with me and if not I would like for them to remove this debt off my credit report as soon as possible.
06/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94608	Web
Zions debt holdings placed a collection account on my credit report for a debt I resolved years ago with another debt collection company ( XXXX XXXX XXXX ). I never received an email, phone call or letter in the mail from this company for this debt. I am requesting this be removed.
05/12/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29651	Web
On XX/XX/2023, I called Zion Debt Holdings because I saw a collection on my credit report. When I tried to explain that I do not owe this debt and XXXX was erroneous to sell it to collection but the woman that answered the phone said " You do owe the debt '' and hung up the phone.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77087	Web
I attempt to submit a dispute advising account does not belong to me to and account came back as accurate. Not sure what type of investigating they say were complete but im sure it was not done accurately. Actually alot of these disputes are not even investigated!
04/07/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NM 87121	Web
I spoke with the agency Monday to settle the debt. They would not accept my payment amount offered. Contacted me 4 days later to threaten to pay the debt or they will take legal action. Law states they can not contact me within 7 days of speaking with me
06/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64134	Web
This company is trying to collect a debt that i dont even know who this company is. They just place information on my XXXX credit report without my oersmission. I would like this company to validate the debt they are trying to collect.
06/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64134	Web
This company is trying to collect a debt that i dont even know who this company is. They just place information on my XXXX credit report without my oersmission. I would like this company to validate the debt they are trying to collect.
05/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MS 386XX	Web
zions debts holings is reporting a fraudelent account that was opened in my name due to identity theft .im filing this complaint because of identity theft.15USC 1681 this account supposed to be removed in 4 days not 30 days.
10/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 394XX	Web
I recently filed a complaint on XXXX for my XXXX account 3rd party debt that I don't have any knowledge of. Now I'm filing a new complaint for XXXX account I have no knowledge of this account I am requesting sign documents.
09/25/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 33647	Web
have the whole converstation recorded threathned me said its my debt when told him no he said yes wont remove not even my signature or address and wont remove or send proof of debt then he said hes going to put me in XXXX
02/17/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 278XX	Web
Good day, a company called Zion XXXX XXXX XXXX has reported a collection of {$480.00} on my consumer report. I have know knowledge or no contract with this company Ever. I have filed a FTC report and the number is XXXX.
10/30/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64134	Web
This collection agency continues to violation my consumer rights along with folling FCRA laws. They munipulate tthe credit bureaus to rfeport inaccurate and false information. I have a letter that shows the proof
01/08/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44124	Web
XXXX XXXX {$2500.00}. I contacted XXXX and requested the for the original contract.Then I contacted XXXX XXXX XXXX they been telling me they will send me the original contract for the last XXXX months. Thank you
12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31906	Web	Servicemember
{$7800.00} XXXXXXXX XXXX XXXX - Disputed Information and they did not remove from my credit report ZionDebtHol # XXXX - Account Number XXXX - Disputed information and it was not removed from my Credit Report
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IN 46307	Web
An account was disputed and removed due to non validation. It was transferred and re reported even after being removed previously. Requested a debt validation and contract in writing with wet signature
07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34772	Web
This company puts a collection account on my credit report and I try to contact them and they dont want to provided me with any documents that its my account. Company name Zions Debt Holdings LLC
06/06/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64138	Web
This collection company is trying to collect a debt that i have no clue who this company is. They are violating my consumer rights by reporting inaccurate information to all XXXX credit bureaus.
05/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
Zion Debt Holdings was told not to contact me and they started texting me about a Debt that is not mine. I have told them on neuromas occasions.not to contact me. This is not mine.
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75067	Web
ZIONS DEBT HOLDINGS LLC has reported erroneous account on my credit report without any prior notice of debt. I have never done business with ZIONS DEBT HOLDINGS LLC or XXXX.
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 731XX	Web
Someone fraudulently opened a XXXX account under my name and didn't pay the bill. I have an Identity Theft Report # from the FTC : XXXX and I also attached a police report
04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 394XX	Web
I called the number on my XXXX account 3rd party debt collection. Told the representative this account wasnt mine and that I have no knowledge of this debt.
01/24/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32822	Web
i have sent disputes to this company to verify these accounts reporting on my credit report, no response and the unverifed accounts have not been deleted!
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	OH 439XX	Web	Older American
I feel like I was Scam. When I disagreed to the charges I asked for a copy of my agreement with the company. The signature on the agreement was not mine.
08/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36609	Web
XXXX a burglar alarm company said that they installed equipment in my house that I never had installed and never have use them for a burglar alarm system
03/20/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38138	Web
I closed my account properly with the original company that the debt was for. This collection agency is not sure any money for this old closed account.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71603	Web
XX/XX/XXXX I asked for validation Original sign contract proof that I owe this debt & balance to mail documents to me I never received any proof.
03/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79603	Web	Servicemember
I initiated a dispute with the company against the debt claim. This debt is not mine and it is past the statute of limitations. It is an old claim
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75216	Web
this account is not mine i gave contact XXXX the company many times and they keep selling this account and putting it back on my credit report.
06/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 782XX	Web
I have no knowledge of this Account, it was opened as Fraud and is showing on my Credit report as a Collection, please remove
08/24/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 75460	Web
Collector told me I should learn to read, never sent me any information other than they bought a debt ( I do not owe )
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77070	Web
i have unauthorized inquiries on my XXXX, XXXX and XXXX report
02/05/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71202	Web

02/02/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92346	Web

02/01/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 39466	Phone	Older American

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60440	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60649	Web

01/18/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27262	Web	Servicemember

01/14/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30017	Web

01/10/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30345	Web

01/09/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46319	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77354	Web

01/08/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38114	Web

01/06/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10453	Web

01/05/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33705	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 401XX	Web

12/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36108	Web

12/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28715	Web	Servicemember

12/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46825	Web	Servicemember

12/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33993	Web

12/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29061	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60440	Web

12/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84405	Web	Servicemember

12/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29461	Web

12/05/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 77583	Web

12/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20019	Web	Servicemember

12/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	OH 44094	Web

11/28/2023	Yes	Debt collection Other debt	Electronic communications Contacted before 8am or after 9pm	SC 29010	Web

11/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77083	Web

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10304	Web

11/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74133	Web

11/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78045	Web	Older American, Servicemember

10/26/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web

10/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19131	Web

10/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60624	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73111	Web

10/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77407	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MS 38701	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38187	Web

10/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76033	Phone	Older American, Servicemember

10/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72315	Phone	Servicemember

10/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

10/06/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 37042	Web

10/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73132	Web

10/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60411	Web

09/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38109	Web

09/29/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44514	Web

09/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NM 88240	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35022	Web

09/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89122	Web

09/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web

09/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00957	Web

09/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 38701	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75092	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	XXXXX	Web	Servicemember

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46055	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46055	Web

09/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31907	Web	Servicemember

09/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28306	Web	Servicemember

09/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NM 88240	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46055	Web

09/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70821	Phone

09/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33189	Web

09/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 49525	Web

09/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 49525	Web

09/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63034	Web	Older American

09/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 49525	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70068	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77713	Phone

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30319	Web

08/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33018	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35022	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PR 00956	Postal mail

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28273	Web	Servicemember

08/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38018	Web

08/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 20176	Web

08/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66062	Web

07/31/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 48221	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07050	Web

07/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46410	Web

07/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 86337	Phone

07/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15401	Web

07/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89129	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77269	Web

07/03/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30019	Web	Servicemember

06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15401	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43103	Phone	Older American

06/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30305	Web	Servicemember

06/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 79423	Web

06/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32640	Web

06/13/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 31204	Web

06/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20037	Web

06/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20902	Web

06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75115	Web

06/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08902	Web

05/31/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	KY 401XX	Web

05/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31204	Web

05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85286	Web

05/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AR 71758	Web

05/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77022	Web

05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76082	Web	Servicemember

05/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31204	Web

05/18/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	MI 48198	Web

05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08054	Web	Servicemember

05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20904	Web	Servicemember

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	NJ 07631	Web

05/14/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PR 00956	Web

05/10/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11949	Phone

05/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85086	Phone	Older American

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MS 39560	Web

05/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45248	Web

05/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63033	Web

05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WV 25504	Web

04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85756	Web	Servicemember

04/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23666	Web

04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14218	Web

04/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 14215	Web

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92562	Web

04/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98802	Web

03/29/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 31419	Web

03/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78753	Web	Servicemember

03/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01109	Phone

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92344	Web

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76162	Web

02/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10466	Web

02/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33029	Web

02/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 81004	Web

02/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35463	Web	Servicemember