Zions Debt Holdings

I've submitted XXXX complaints ( XXXX / XXXX ) with specific requests in addition to the direct requests I sent via mail to Zion Debt Holdings LLC . Each correspondence from the debt collector was either vague, not what I requested, repeated/ automated responses, or declined to provide what requested, despite federal and XXXX precedence. I requested proof of a dunning notice within XXXX days of initial communication ( with initial communication being the agency adding the collection account to my credit report in XXXX ). Despite the request, the agency admitted the notice wasn't sent until XXXX in both complaints, well beyond the FDCPA requirement of XXXX days of initial communication. Also, I sent a letter requesting the bill of sale with this specific account, account-level schedule, assignment & assumption agreement , purchase & sale agreement, and complete chain of title.…

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I am filing a complaint against several debt collection agencies for what appears to be ongoing and deeply troubling violations of federal consumer protection laws. After formally disputing these alleged debts and repeatedly requesting proper validation, I was never provided with meaningful proof that I am legally responsible for them. Critical documentssuch as original agreements, account histories, proof of ownership, or any clear evidence of their authority to collectwere never produced. Instead, I was left with vague responses and no real accountability. Despite this lack of verification, collection efforts and credit reporting appear to have continued. This is extremely concerning. It feels unjust and overwhelming to have my credit and financial standing impacted by debts that have not been properly substantiated.…

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I am filing a complaint regarding an improperly reported and disputed debt that Zion Debt Holdings has placed on my credit report. This alleged debt originates from approximately XXXX, when I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Any documents I signed were in a representative capacity on behalf of the business. I did not sign any personal guarantee and am not personally liable for this debt. Despite this, Zion Debt Holdings has reported this account as a collection beginning in XXXX. This is inaccurate and appears to be illegal re-aging of the debt. Under the Fair Credit Reporting Act, the XXXX reporting period begins at the Date of First Delinquency, not when a debt is transferred or placed for collection. Because the original delinquency occurred over 10 years ago, this account should not be appearing on my credit report at all. I have disputed this account previously, but it remains on my credit report without proper validation.

Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Zions Debt Holdings. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that XXXX XXXX XXXX currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ).…

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I am submitting this complaint as a follow-up because the company failed to properly validate an alleged debt that I have identified as the result of identity theft. I previously disputed this account and provided an FTC Identity Theft Report. In response, the company did not provide any documentation showing that I opened or authorized the account. Instead, they stated they purchased the account from a third party and offered a settlement in exchange for deletion. This response does not constitute validation of the debt. The company has not provided any original service agreement, application records, or identity verification documentation linking me to this account. A balance amount and settlement offer do not establish that I incurred or authorized this debt. Despite failing to validate the debt, the company continues to attempt to collect and report this account, which is inaccurate and the result of identity theft.…

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Under U.S. credit reporting rules, especially the Fair Credit Reporting Act ( FCRA ), a collection account can not be re-aged to look newer than it really is. What must happen instead The account must reflect the original date of first delinquency ( DOFD ) when you first fell behind with the original creditor. When a debt buyer purchases the account, they can report it, but : They can not change the delinquency timeline They can not reset the XXXX reporting period They should not make it appear like a brand-new debt. Under U.S. credit reporting rules, especially the Fair Credit Reporting Act ( FCRA ), a collection account can not be re-aged to look newer than it really is. What must happen instead The account must reflect the original date of first delinquency ( DOFD ), when you first fell behind with the original creditor. That was Not 2022.…

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Validation was requested on XX/XX/year> you confirmed XX/XX/year> that my request for validation was submitted. However, you have continued to harass and say " Why not pay your bill and be done with it '' on XX/XX/year>, XX/XX/year> despite not providing validation. In addition, you have lied and told the XXXX XXXX you have provided validation to me, when I disputed the collection. and now you are saying XXXX is taking a long time. Which one is it?

I am disputing a debt being collected by Zions Debt Holdings related to a security monitoring account. The account shows a write-off with a {$0.00} balance, but additional charges were later added without explanation. The billing history shows inconsistent charges, late fees, and an acceleration balance without proper breakdown. The monitoring agreement lists the service address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have had continuous service elsewhere for over 10 years. This raises concerns about whether the charges are accurate or valid. I requested validation of the debt, including the agreement, billing history, and proof of service location, but the company failed to provide sufficient documentation. Zions Debt Holdings is attempting to collect without proving the debt is valid or that they have proper authority.

I am submitting this complaint as a follow-up to my previous CFPB complaint XXXX, as Zion Debt Holdings has failed to properly respond to my lawful request for debt verification. On XX/XX/XXXX, I sent a detailed verification request clearly outlining the specific documentation required under the Fair Debt Collection Practices Act. Instead of providing the requested verification, Zion Debt Holdings responded by sending an invoice. This is not what was requested, nor does it satisfy their legal obligation to validate a debt. An invoice is simply a demand for paymentit does not prove ownership, accuracy, or that the alleged debt is legally enforceable. To be clear, my original request asked for : Proof of delivery of any alleged 1692g dunning notice, a sworn, notarized statement from a person with firsthand knowledge as verification under 1692g4, Full chain of title documentation ( including bill of sale, assignment agreements, and account-level schedules ) per 1692g4.…

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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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am a victim of identity theft and do not recognize or authorize this utility-related account reported by Zion Debt Holding. I have no knowledge of opening, requesting, or using any utility service associated with this account, and I did not enter into any service agreement with the original creditor. Despite submitting an FTC Identity Theft Report and disputing this account, it continues to be reported as accurate on my credit file. I requested verification of this alleged debt, including the original utility service application, signed service agreement, and identity verification records used to open and authorize the account. No documentation has been provided showing that I initiated or authorized this service. The account appears to be reported based on address association or third-party data matching rather than verified identity or contractual authorization. As a result, this account remains on my credit report without substantiated proof linking me to any contractual obligation.

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

I am submitting a complaint regarding a debt collector ( Zions Holdings ) attempting to collect an alleged debt originally associated with Vivint. I dispute this debt in its entirety. The collector contacted me via text message using an incorrect name, while my name associated with any prior account was different. This raises serious concerns about misidentification and inaccurate records. Additionally, I previously resolved this account directly with the original creditor, Vivint, through a payment agreement related to equipment. Based on that agreement, I do not believe any valid balance remains. The collector has failed to provide : Proper validation of the debt Proof of their legal authority to collect Accurate identification of the debtor A valid mailing address for written communication Despite this, they are attempting to collect payment and offering deletion in exchange for payment.…

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Your collection agency may be on the hook for thousands of dollars because you violated debt collection laws by not sending me a notice / dunning letter within the proper time frame. Hence, I didnt get the chance to dispute the account. Worse, your actions cost me a new car because my old car broke down, and when I applied for a loan to get a new car, I was denied. Now, XXXX will cost me on average {$310.00} per week to get to work. On top of that, Im going to have to pay extra money to have my child picked up from XXXX. I thought it was something I did, but when the denial letter came from the bank, it mentioned a collection account and Zion Debt Holdings is the cause of my XXXX situation. Under 15 US 1692g, youre required to notify me within five days of the initial communication of the alleged debt, with initial communication being indirect via adding the account to my credit report in this case. I didnt get a notice! As I said, I wouldve disputed the account from the start.…

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XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Zions Debt Holdings XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DearZions Debt XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by text message on XX/XX/year> and identified the debt as being purchased from XXXX account XXXX XXXXXXXX. Please supply the information below so that I can be fully informed : 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 might know them, if that is different from the official name.…

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I am writing in response to a recent derogatory claim in my credit report regarding account # XXXX, which Zions Debt Holdings has acquired from XXXX XXXX concerning services at XXXX XXXX, XXXX, PR XXXX. I must formally dispute the validity and accuracy of this alleged debt. I initiated a cancellation of services with XXXX at the time in XXXX. The service was not cancelled as requested, creating additional charges Zion Debt has placed the burden of proof of a request for cancellation for something that happened to too many years ago. These charges keep appearing every few years after the are sold to third parties. I have disputed these amounts in several occasions, resolved in my favor but temporarily harming my credit report. It is therefore concerning that this account continues to reappear on my credit report through various debt purchasers without proper notification.…

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I am writing in response to a recent derogatory claim in my credit report regarding account # XXXX, which Zions Debt Holdings has acquired from XXXX , concerning services at XXXX XXXX XXXX XXXX XXXX. I must formally dispute the validity and accuracy of this alleged debt. I initiated a cancellation of services with XXXX at the time in XXXX. The service was not cancelled as requested, creating additional charges Zion Debt has placed the burden of proof of a request for cancellation for something that happened to too many years ago. These charges keep appearing every few years after the are sold to third parties. I have disputed these amounts in several occasions, resolved in my favor but temporarily harming my credit report. It is therefore concerning that this account continues to reappear on my credit report through various debt purchasers without proper notification.…

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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 next 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.

I had called the debt collection company on XX/XX/year> to try and reach a settlement on the {$270.00} balance listed on my XX/XX/XXXXcredit report. The debt collector stated a balance significantly higher than the current balance listed on my credit report. The company directed me to call the original company ( XXXX ) to discuss it with them, but I was informed byXX/XX/XXXX that they were not able to do anything with me as the account had been handed off.

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 ) 1006.34, 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 next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am reporting an account that is not mine and is the result of identity theft. I became aware of this issue when I noticed unauthorized activity associated with a Zion-related account that I did not open, authorize, or benefit from. The account appears to have been opened without my knowledge or consent. Upon discovery, I immediately took action by disputing the account and requesting full validation and documentation from the company. Specifically, I requested verification of the account, including the original application, method of account opening, transaction history, and any documentation showing that I authorized or benefited from the account. To date, the company has failed to provide sufficient evidence that I am responsible for this account. They have not produced any signed agreement, verifiable authorization, or proof linking me to the account activity. Despite this, the account continues to be treated as valid.…

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

Pulled my credit for a different matter, only for loan officer to find I have a collection against me. I have never received any communication written or verbal from alleged collector. When I contacted them multiple times for written verification, they just give the run around and say to just pay them and they will remove the collection on my credit. I have yet to receive any verification of debt owed and they keep asking me to just pay.

Debt buyer can not produce original creditor documentation. According to1681e ( b ) There is an accuracy requirement 1681s-2 ( a ) furnisher must report accurate data FDCPA Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this debt. Please provide the following documentation : The original signed credit agreement or service contract. The complete payment history showing how the alleged balance was calculated. Documentation proving your company has legal ownership of the debt, including the chain of assignment from the original creditor. The name and address of the original creditor. Proof that you are licensed to collect debts in my state. Until you provide proper validation, you must cease all collection activity and reporting of this account. If you can not provide the documentation requested, you must immediately delete this account from all credit reporting agencies.

I recently reviewed my credit reports and discovered several accounts and addresses that do not belong to me. These accounts appear to have been opened using my personal information without my knowledge or authorization. I have never lived at the XXXX XXXX XXXX XXXX XXXX addresses listed on my credit report, and I believe these addresses were used fraudulently in connection with the accounts. Zions Debt Holdings approximately {$4100.00} Zions Debt Holdings approximately {$4600.00} XXXX XXXX approximately {$400.00}

RE : False Debt Claim XXXX Account Created Fraudulently by Squatters XXXX XXXX and XXXX XXXX To the Compliance Officer or Legal Department : I am writing to formally dispute a false debt claim that your company is attempting to collect against me, XXXX XXXX, regarding a XXXX account. I have XXXX liability for this debt. This account was created fraudulently around XXXX by XXXX XXXX and XXXX XXXX '' squatting '' aka who were unlawfully occupying property belonging to me. FACTUAL BACKGROUND XXXX. Fraudulent Creation of Account : During or around XXXX, individuals identified as XXXX XXXX and XXXX XXXX, who were unlawfully squatting on my property, opened a XXXX account using my personal information without my knowledge, authorization, or consent. These individuals had no legal right to bind me to any contract. XXXX.…

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Please help, my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts I referenced are not XXXX % accurate. Until you provide competent evidence that validates the debt- including a signed agreement, full account history and verification of your authority to collect- you must cease all collection efforts and remove the information from my credit report.

Please help. This account has XXXX me tremendously. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not XXXX % accurate. Until they provide competent evidence that validates the debt including a signed agreement, full account history, and verification of their authority to collect the company must cease all collection efforts and remove the information from my credit report.

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 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

I am submitting this complaint regarding inaccurate accounts being reported on my credit report. I do not recognize or owe the debts that are currently being reported and associated with my name. These accounts are negatively affecting my credit profile and causing harm to my financial standing. I have not entered into any agreement or obligation for these debts, and therefore they should not be reported under my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be fully investigated and validated. If the company can not provide proper documentation proving that the debt is valid and that I am legally responsible for it, the accounts must be removed from my credit report immediately. I am formally requesting that these inaccurate accounts be deleted from all credit reporting agencies and that I receive written confirmation once the corrections have been made. Thank you for your prompt attention to this matter.