Harris & Harris, Ltd.

On XX/XX/year>, I received a debt collection notice from Harris & Harris , Ltd. ( File No. XXXX ) seeking {$94.00} allegedly owed to XXXX XXXX ( XXXX ). No itemization of the debt was provided in the notice. On XX/XX/year>, I sent a written debt validation request via certified mail invoking my rights under 15 U.S.C. 1692g and 12 C.F.R. 1006.34. On XX/XX/year>, Harris & Harris responded but failed to provide any itemization of the {$94.00} as required by 12 C.F.R. 1006.34 ( c ) ( 2 ) ( viii ). Instead they referred back to their original XX/XX/XXXX notice, which itself contained no itemization. On XX/XX/year>, I sent a second certified letter citing the specific statutory violations and again requesting an itemized breakdown. On XX/XX/year>, Harris & Harris responded again, stating only that XXXX XXXX had verified the debt as true and accurate. No itemization was provided.…

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XXXX XXXX XXXX XXXX XXXX | XXXX, FL XXXX | | XX/XX/XXXX VIA CFPB CONSUMER COMPLAINT PORTAL CONSTITUTING LEGALLY OPERATIVE, GOVERNMENT-TIMESTAMPED NOTICE TO ALL NAMED PARTIES PRIMARY ADDRESSEE : Consumer Financial Protection Bureau 1700 G Street, NW, Washington, DC 20552 COPIES TO EACH RECEIVING THIS AS FORMAL LEGAL NOTICE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX | P.O. XXXX XXXX, XXXX, GA XXXX XXXX XXXX | P.O. XXXX XXXX, XXXX, PA XXXX Harris & Harris , Ltd. | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX RE : FORMAL LEGAL DISPUTE, CEASE AND DESIST, DEBT VALIDATION DEMAND, AND DEMAND FOR IMMEDIATE DELETION HARRIS & HARRIS , LTD. / XXXX XXXX ( ACCT. NO.…

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I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

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I had an account in collections with Harris & Harris LTD,, I paid the amount the settlement amount in full to close account,, I called them today and told him it was still in collections,, if they can, please send me a copy of the payoff,, they said that they would email it to me,, I am requesting to take it off my credit, please. XXXX

I have audio recordings of me speaking with the representative about the letter that was sent to my house and she discovered that the person in question wasn't me and I asked him to cease and desist our Communications and do not put that on my report but months later I received another letter from the company.

I received an alert through my XXXX XXXX account stating that there has been a derogatory remark due to a reporting of a credit collection agency by the name of HARRIS & HARRIS , LTD, as of XX/XX/year> in the amount of {$62.00}, which caused my score to decrease through Equifax. I was never notified of this debt, and it is unverified.

Harris & Harris XXXX alleged debt associated with XXXX I am filling a formal complaint against Harris & Harris regarding repeated harassments, threatening communications, and improper debt collection practices in violation of the fair debt collection practices act ( FDCPA ). Beginning on or around XX/XX/year>, I began receiving repeated text messages and phone calls from Harris & Harris regarding an alleged debt tied to a T-mobile account. I have received text messages or calls during unreasonable hours including as late as XXXX and continuing throughout the day into the afternoon. The same communications have been frequent and excessive often multiple times a day. Representatives that call have made statements implying that I could face jail time if payment is not made. Such calls have cause distress and disruption.

I am formally disputing a collection account in the amount of {$860.00} originally associated with XXXX XXXX ( XXXX ) and currently reported by Harris & Harris. I have no knowledge of this account and did not authorize any services with XXXX XXXX. I did not open, use, or benefit from this account in any way. I believe this account is the result of identity theft or unauthorized use of my personal information. This account was transferred to a collection agency without my knowledge, and I was not properly notified or given the opportunity to verify this debt. As a result, this inaccurate reporting is negatively impacting my credit.

On XX/XX/year>, I sent a written request for debt validation regarding a {$250.00} collection account related to XXXX XXXX. I requested an itemized statement, signed agreement, proof of assignment, and payment history. On XX/XX/year>, the company responded but only provided the name of the creditor and did not supply the requested documentation. No contract, itemization, or proof of legal authority to collect was provided. Despite failing to properly validate the debt, the company continues to report the account to credit bureaus as accurate. The amount and validity of the debt remain unverified. I am requesting that the company either provide full documentation supporting the debt or delete the account from all credit reporting agencies.

The collector failed to provide the mandatory 1681s-2 ( a ) ( 7 ) notice. Furthermore, they verified " the debt without the Original Signed Contract or Itemized Billing Statement demanded in my dispute so I am writing to formally dispute a collection account currently reported by Harris & Harris XXXX under Account # XXXXXXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, for failing to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only one in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX v.…

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I am filing a complaint against Harris & Harris , Ltd. regarding an alleged debt they are attempting to collect. This account was previously disputed with the credit bureaus and was removed after investigation due to failure to verify the debt. Despite this, the company continues to contact me in an attempt to collect. They have not provided sufficient validation that I owe this debt, yet continue collection efforts. This behavior is concerning and appears to violate the Fair Debt Collection Practices Act. I am requesting that Harris & Harris , Ltd. cease all communication with me regarding this matter unless proper validation can be provided, and that they do not attempt to re-report this account to any credit bureau without verified and accurate documentation. I also request confirmation that this account will be closed if validation can not be provided. Sincerely, XXXX XXXX

I discovered a debt on my account that I did not authorize. This debt appears to be the result of fraud. I did not open this account, make any charges, or consent to any transactions associated with it. Once I became aware of the issue, I contacted the company to dispute the debt and requested verification. Despite this, the debt is still being reported. I am requesting that this fraudulent debt be investigated, removed, and corrected please.

I need debt validation. send me a detailed list of history of payments made by me on this account. I need to see a signature on this account guaranteeing that I will pay this creditor. Im asking to see if there has been any insurance claimed filed on this debt. I want proof that you have a chain of title to collect in this debt.

I am writing to dispute a collection account listed on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ) and my rights to debt validation, I am requesting verification of this alleged debt. I have not received proper validation of this account. Please provide full documentation, including the original creditor, signed agreement, and complete payment history. If you are unable to validate this debt, you must remove this from my credit report immediately. Any continued reporting of an unverified account is a violation of federal law.

I am sure someone used my social and personal information to open some type of phone service or utilities in another city or state. I went back and forth with this company, that refuse to give more information. I even asked them to send the authorities to the location, since I am letting them know it is fraud, but they refuse to listen. I never resided in any other city or state all of my 68 years but XXXX, XXXX XXXX, XXXX. They sent the account to Harris & Harris and put it on my credit reports ; neither XXXX or XXXX, nor XXXX has helped. FYI : I have had my identity stolen, and I have reported it to the Social Security office, and it's hard to get a new number. I have frozen my credit reports, and they still allow people to get approved for things with my stolen credentials

To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…

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To Whom It May Concern, I am writing to formally dispute an inaccurate account that has reappeared on my credit report through XXXX XXXX. The account in question is with XXXX. This account does not belong to me. I previously disputed this account, and it was removed from my credit report. However, it has recently reappeared on my credit file through XXXX XXXX, which is both concerning and frustrating. I would like to emphasize the following : I did not open or authorize this XXXX account. The account was previously investigated and removed. It was reappearance back on my credit report. It reappear back on credit bureau XXXX which a new debt collector company Harris & Harris LTD that show on my XXXX XXXX. I tried to dispute it but there was't there for that account to choose from to pick to dispute it. I suggests an error or improper reporting by the phone company and the debt collector Harris & Harris , LTD . I respectfully request that this matter be investigated promptly.…

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HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Spoke with the company Harris and Harris multiple times on XX/XX/scrub> 2026 and repeatedly asked if we settled the amount if they would delete it off my credit report as I'm in the process of purchasing a house the told yes multiple times if I agreed to pay the settlement amount I paid the amount and they reported that we settled the account but never deleted account from my profile now they are telling me they never agreed to that and wont delete the account

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

On or about XX/XX/XXXX, I discovered that three separate debt collectors are simultaneously reporting the same XXXX XXXX debt on my XXXX credit report with three materially different balances : Harris & Harris Ltd. ( {$520.00}, opened XX/XX/XXXX ), Credence Resource Management ( {$290.00}, opened XX/XX/XXXX ), and XXXX XXXX XXXX ( {$320.00}, first contact XX/XX/XXXX ). A single debt can only be legally owned and collected by one entity at a time. The three conflicting balances are irreconcilable and constitute false representation of the amount of the debt under 15 U.S.C. 1692e ( 2 ) ( A ) and collection of an unauthorized amount under 15 U.S.C. 1692f ( 1 ). I mailed formal certified mail debt validation demands to all three collectors on XX/XX/XXXX demanding they cease all collection activity and bureau reporting pending full validation. No response has been received.…

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I am submitting this complaint regarding inaccurate credit reporting on an account associated with XXXX XXXX that was placed with Harris & Harris XXXX. I paid this account in full, XXXX I have documentation confirming that the balance has been satisfied. Despite this, the account is still being reported with an incorrect balance XXXX/or negative status on my credit report. I have already contacted the company and disputed this issue, requesting verification of the debt XXXX correction of the account XXXX reflect a XXXX balance. I also provided proof of payment. However, the information has not been properly updated or corrected. This is inaccurate reporting. I am requesting that this account be corrected XXXX show a {$0.00} balance XXXX paid in full status, or removed entirely from my credit report if it can not be properly verified XXXX reported accurately.

Trying to collect a debt that is not owed I already submitted a case before and they agreed to stop contacting me now they are doing this again. To Whom It May Concern, I am writing in response to the account referenced above, which appears on my credit report. This letter is not an acknowledgment of responsibility for the debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : 1. Proof that I am legally obligated to pay this debt 2. The name and address of the original creditor 3. The amount of the original debt and an itemization of any interest, fees, or charges added 4. A copy of the original contract or agreement bearing my signature 5. Proof that your agency has the legal authority to collect this debt 6.…

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This is effecting me XXXX & messing with apply for things in my name This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

I have proof that this debt has a XXXX dollar balance with the original company ( XXXX XXXX ). which is attached. This has been deleted multiple times from all XXXX bureaus and XXXX and XXXX has continued to resubmit this debt to my report and hurt my XXXX XXXX. This effects my employment, my livelihood and my family. I also sent a validation letter to this company and they did not respond or prove that they have anyway of validating this debt. ( which they cant because it was paid with the original company a long time ago and never should have went into collections ). They are reporting this as a {$97.00} dollar debt owed but when i called them they told me that i owed {$120.00} and tried to collect {$120.00} on the phone on a recorded line on their end. I also have called them and asked for this to be deleted where they claim that they will investigate and get back with me in XXXX days, which will continue to hurt my score on a debt that is illegal for another XXXX days.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

HARRIS & HARRIS , LTD claims to be the original creditor. They are not. XXXX is the orignal creditor. XX/XX/XXXX late payment/No payment {$420.00} XX/XX/XXXX late payment {$420.00} Actions taken : I notified XXXX on several phone calls that the account did not belong to me. XXXX stated that I was still responsible. The XXXX account belonged to my

In XXXX my personal information was left behind in an old home due to XXXX and XXXX XXXX that overtook the home. We were displaced due to an environmental emergency and could not touch files left in the garage. Out of the blue this Harris and Harris XXXX XXXX has popped up on my locked XXXX credit report tarnishing and prohibiting me from clearing my name. There is a fraud alert on all 3 of my credit reports and there has been fraud reports filed to the FTC, IRS and XXXX XXXX XXXX XXXX XXXX and XXXX.

Subject : Formal Dispute of Alleged Debt and Insufficient Validation To Whom It May Concern, I am writing in response to your recent communications regarding an alleged debt you claim I owe. I formally dispute this debt in its entirety. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I previously requested proper validation of this alleged obligation. In response, you provided only a billing statement. A billing statement alone does not constitute sufficient proof that I am legally responsible for this debt. To properly validate this debt, you must provide competent evidence establishing that : - I am the correct debtor, - I have a legal obligation to pay this debt, and- You have the legal authority to collect on this account.…

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I received a voicemail today XX/XX/XXXX from an individual identifying himself as " XXXX XXXX '' regarding a supposed debt. The message referenced a " final attempt '' and threatened legal action, including filing a lawsuit, but didn't identify a company. When I returned the call, I was told the debt has " no statue of limitations, '' which is misleading and appears to be false under New Mexico law. The alleged debt is from XXXX. No written validation of the debt has been provided. The caller used high-pressure tatics and vague legal threats. I believe this may be a deceptive or abusive debt collection attempt and request investigation.