Zions Debt Holdings

I am requesting that this account be investigated for inaccurate and incomplete reporting. The company failed to provide documentation showing the actual date the account was closed. Instead, they only submitted documents related to the original contract from XXXX. The account is being reported as having been closed in XXXX, yet they have not provided any evidence to support that reporting or account termination. In addition, this is a third-party company, and they have not provided documentation demonstrating that they have the legal right to collect, own, or report this alleged debt. They have failed to produce any assignment, bill of sale, transfer agreement, or other evidence establishing that the account was legally transferred to them. Under the Fair Credit Reporting Act ( FCRA ), information furnished to consumer reporting agencies must be complete, accurate, and verifiable.…

On XX/XX/XXXX, Zions Debt Holdings responded to CFPB Complaint No. XXXX. However, the response failed to address the core issues raised in my complaint and did not provide the complete validation and verification documents requested. My complaint specifically requested documentation required to validate the alleged debt under the FDCPA and verify the accuracy and completeness of the account under the FCRA, including the original signed agreement, complete account history, proof of ownership, purchase or assignment records, Date of First Delinquency ( DOFD ), charge-off date, acquisition date, complete account data, and investigation procedures used to verify the account. Instead of providing the requested documentation, Zions Debt Holdings merely stated that it purchased a XXXX account, claimed the account was not properly closed, referenced a balance amount, and offered deletion if the account were paid.…

Subject : FORMAL ESCALATION : FCRA Violation and Obsolete Debt Removal Request Account : XXXX XXXX XXXX, XXXX. Dear XXXX, I am writing to formally escalate a critical billing and credit reporting dispute that your staff has failed to resolve. I previously contacted XXXX XXXX regarding an illegal reporting timeline being applied to my account. XXXX XXXX has ignored my legal notice and continues to insist that I still owe this debt, which has led to this escalation. XXXX, as you know, the Date of First Delinquency ( DOFD ) determines when a debt is removed from my credit report, NOT seven years from the date Zions Debt Holdings purchased it in XX/XX/XXXX. Zions Debt Holdings is in direct violation of Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ), which dictates that the seven-year reporting window begins exactly 180 days after the DOFD. The original contract for this account was signed in XXXX, and the DOFD occurred in XXXX when I switched to an XXXX bundle .…

I was a victim of Identity theft in 2018 there were multiple accounts opened up in my name fraudulently. ZION DEBT HOLDINGS is reporting a collection account that is fraudulent and I want to submit a formal complaint against them. have identified the accounts and now am able and have the spirit to fight this challenge and work on getting my life back. I work full time and raise a family and this has caused a great deal of stress on my family. Filed the FTC Fraud report and contacted the companies reporting the information as well as contacted the police. Please help me fight this and get my issues resolved. Thank you

Furnisher Violations Failure to Validate, False Reporting, Inflated Balance, Deceptive Practices, and FCRA/FDCPA NonCompliance I am filing this complaint against Zions Debt Holdings for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Zions is reporting an account to the credit bureaus that is inaccurate, unverifiable, inflated, and contradicted by the original creditors own records. Zions has repeatedly failed to provide any legally required validation. Their only response to disputes has been a oneword verified message through eOSCAR with no documentation, which does not satisfy FCRA XXXX ( a ) ( XXXX ) or FDCPA XXXX ( b ). XXXX. Zions is reporting a debt the original creditor confirms does NOT exist. I obtained documentation directly from XXXX XXXX, the original creditor, confirming my account was PAID AS AGREED, never delinquent, and never placed for collections.…

On XX/XX/year>, Zions Debt Holdings responded to CFPB Complaint No. XXXX. However, Zions Debt Holdings ' response does not fully address the validation and verification requests submitted through my CFPB complaint and attached validation letter. My complaint requested specific documentation necessary to validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase agreement, a complete accounting of the balance, the Date of First Delinquency ( DOFD ), the charge-off date, and documentation supporting when and how the account was acquired by Zions Debt Holdings XXXX Rather than addressing the specific validation requests, Zions Debt Holdings simply stated that it purchased the account, that the account was not properly closed, provided a balance amount, and asserted that the account had already been validated.…

I am a victim of identity theft. The following accounts appearing on my XXXX credit report are not mine and were opened/used without my knowledge or authorization : Zions Debt Holdings , {$1600.00} balance ( open/ collections ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, secured loans/charged off, original balances around $ XXXX and $ XXXX ) XXXX XXXX ( auto lease , closed ) XXXX XXXX XXXX ( $ XXXX XXXX XXXX ) Dept of Education / XXXX ( student loan, past due ) These accounts do not belong to me. I have no relationship with these creditors, never applied for or received any of these loans/leases, and never lived at the addresses or used the phone numbers associated with them. This is clearly identity theft. I have already filed an identity theft report with the FTC ( include your FTC complaint number/reference here if you have it ).…

The accounts I am disputing are : Creditor : Zion Debt Holdings Account Number : XXXX Balance : {$200.00} Associated Address : XXXX XXXX, XXXX, TX XXXX Creditor : Zion Debt Holdings Balance : {$270.00} Associated Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX

I am filing this complaint against XXXX for multiple violations of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with an unrecognized account reported by Zion Debt Holdings ( Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount reported : {$3100.00} ). I have no knowledge of this account. I have never entered into any agreement with Zion Debt Holdings, never conducted any business with them or any original creditor they claim to represent, and never opened, authorized, or acknowledged any account associated with this alleged debt. This account does not belong to me. Additionally I am locked out of seeing the dispute results online getting an error message to " try again later ''. Lastly, I created a new consumer statement on XX/XX/XXXX to reflect what is currently happening and it was replaced with a previous consumer statement from XXXX.…

" I am disputing a collection account for an alarm system that is over XXXX XXXX XXXX. Under the FCRA ( 15 U.S.C. 1681c ), negative accounts are obsolete and must be removed after 7 years. I disputed this directly with the credit bureaus, but they refused to remove it, claiming I am still liable. They are violating the FCRA by continuing to report an obsolete, XXXX account that has been illegally re-aged. Please compel them to delete this inaccurate history immediately. ''

This debt had been previously removed from my credit report based on inaccurate and misleading information in violation fair debt credit reporting act I was not notified within the five business days prior to re-inserting this account within the credit bureaus

My ex-husband signed up for a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> without my knowledge and in fact, I was XXXX away from home at the time and not even present during the transaction. I am now divorced and I have this account showing up on my credit reports as a collection with Zions Debt Holdings. I sent a dispute letter to the collection agency explaining this wasn't my account and that I never agreed to it and to please provide documentation with my signature on it. Zion Debt Holdings sent me a copy of the signed contract with my signature forged on it. Without me even being present that means my ex-husband forged my signature or the representative from the alarm company forged it. I never agreed to this contract and it is illegal for my signature to be forged and to be included otherwise, even as a spouse, when I have not agreed to the contract and was not present.

On XX/XX/year>, I submitted a CFPB complaint against Zions Debt Holdings along with a formal validation and accuracy dispute letter sent under both the FDCPA and FCRA regarding account number XXXX XXXX XXXX. In my dispute, I specifically requested documentary validation of the alleged debt, including the original signed agreement, full accounting history, proof of ownership or assignment, and copies of legally required notices. I also specifically requested information necessary to verify the accuracy and completeness of the account being reported and/or collected, including : 1. The Date of First Delinquency ( DOFD ) ; 2. The date the account was purchased or assigned to Zions Debt Holdings ; 3. Documentation supporting the transfer or assignment ; 4. The complete data set maintained for the account ; 5. Copies of original source documents used to verify or furnish the account ; 6. A description of the investigation procedures used if the account was previously disputed.…

XXXX debt is trying to collect over XXXX from me for a fraudulent account set up through XXXX home security in 2018. It continues on my credit and I've never had an account with them. I have been part of the law suit suing them.

I am not liable with debt from Zion debt Holdings, I do not have contract with Zion debt Holdings. They have not provided me with a original contract as requested.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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.…

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.…

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 ).…

Company is attempting to collect a debt that dont exist

They sent me and email that stated the contract was signed electronically. XXXX XXXX XXXX collection agency Zion Debt Holding

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.…

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 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.…

Requested validation of this debt and all accuracy of contracts with Zions

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.…

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.…

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.