Debt collection -- Attempts to collect debt not owed -- Complaint #15481531
Complaint Overview
Complaint ID: 15481531
Company: Kingston Data & Credit International INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Massachusetts
ZIP Code: 010XX
Date Received: 2025-08-23T12:00:00-05:00
Date Sent to Company: 2025-08-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ XXXX ] Full Itemized Statement shows how the balance was calculated - [ XXXX ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ XXXX ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ XXXX ] Payment History Records verifies payments made or missed - [ XXXX ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ XXXX ] Notice of Default or Intent to Collect proof of communication as required by law - [ XXXX ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ XXXX ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ XXXX ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.
Frequently Asked Questions
What is Complaint #15481531 about?
Complaint #15481531 was filed against Kingston Data & Credit International INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-08-23T12:00:00-05:00.
How did Kingston Data & Credit International 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 Kingston Data & Credit International INC.?
Yes, visit the Kingston Data & Credit International INC. company profile at readthecomplaint.com/company/kingston-data-credit-international-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.