Anonymous
False statements or representation: Debt collection
I am writing to dispute a collection account appearing on my consumer credit report from Harris and Harris. I have no knowledge of this debt, have never received any written notice or validation of this debt, and have no record of any agreement, contract, or transaction with Harris and Harris or any original creditor they may represent. This collection is appearing on my credit report without my knowledge of its origin, the original creditor, the amount allegedly owed, or the date it allegedly originated. I have not been provided with any documentation substantiating this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of this debt and to dispute any inaccurate or unverifiable information on my credit report. I am formally disputing this account as unknown and unverifiable. I am requesting that the CFPB investigate this matter and that Harris and Harris : 1. Provide complete verification of this debt, including the name and address of the original creditor, the original account number, the date the debt was incurred, and the amount originally owed. 2. Provide a copy of any signed agreement or contract bearing my signature that establishes my obligation to pay this debt. 3. Provide documentation showing the chain of ownership of this debt from the original creditor to Harris and Harris. 4. Immediately cease reporting this unverified collection to all consumer reporting agencies until the debt is fully validated. If Harris and Harris can not provide adequate validation of this debt, I request that this collection account be permanently removed from all of my consumer credit reports. I am prepared to escalate this matter further if a satisfactory resolution is not reached. I appreciate the CFPBs assistance in investigating this dispute.
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