Debt collection -- Attempts to collect debt not owed -- Complaint #14273188
Complaint Overview
Complaint ID: 14273188
Company: Colony Brands, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30012
Date Received: 2025-06-24T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date : XX/XX/XXXX COLONY/GINNYS Account # : XXXX To whom it may concern, I am writing to formally dispute and request an immediate investigation into the account listed on my credit report under the name COLONY/GINNYS ( also known as GINNYS ), account number XXXX. I believe this account is being reported inaccurately and may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Issues with the Reported Information The account shows as Open with a {$0.00} balance as of XX/XX/XXXX, yet there is no clear explanation of whether the debt was paid or forgiven. A payment of {$54.00} is reported as of XX/XX/XXXX, but the account is still listed as open with no monthly payment obligation. The payment history indicates a series of severe delinquencies : 30 days late XXXX XXXX 60 days late XXXX XXXX 90 days late XXXX XXXX 120 days late XXXX XXXX 150 days late XX/XX/XXXXXXXX However, there is no explanation of how the account was resolved or why it remains listed as open with a {$0.00} balance and $ XXXX monthly payment. Violations Under the FCRA ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must maintain maximum possible accuracy of the information they report. Reporting an account as open with no current payment activity, a {$0.00} balance, and prior severe delinquencieswithout clearly resolving the statusis misleading to lenders and unfairly damages my creditworthiness. Further, under FCRA 1681i, I am entitled to a full reinvestigation of any information I dispute. At this time, I am requesting : Verification of the complete accuracy of this account, including original documentation showing that I agreed to and maintained this account under the reported terms. Clarification of the accounts current status : Is this account still open? Was it closed and simply not reported correctly? Validation of the reported payment history and resolution of the past-due amounts. If the account can not be fully verified with supporting documentation, I am demanding its immediate deletion from my credit report. Please conduct a full reinvestigation of this account and provide a written response within the 30-day period required by law. If the information can not be verified in full, it must be removed from my file in compliance with FCRA 1681i ( a ) ( 5 ) ( A ). Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14273188 about?
Complaint #14273188 was filed against Colony Brands, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-06-24T12:00:00-05:00.
How did Colony Brands, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Colony Brands, INC.?
Yes, visit the Colony Brands, INC. company profile at readthecomplaint.com/company/colony-brands-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.