Debt collection -- Attempts to collect debt not owed -- Complaint #18876498
Complaint Overview
Complaint ID: 18876498
Company: Lanier Collections Agency And Services INC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Georgia
ZIP Code: 31406
Date Received: 2026-01-20T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
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 XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and unverifiable credit reporting and improper debt collection practices by XXXX account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have exercised my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by disputing this account with the consumer reporting agencies. Despite my dispute, the furnisher continues to report this account without conducting a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ). Additionally, I requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The response provided, if any, did not constitute proper validation and failed to establish legal ownership, accuracy, or authority to collect the alleged debt. Continued reporting and collection under these circumstances violates 15 U.S.C. 1692e and 1692f, which prohibit false, misleading, and unfair practices. The continued furnishing of inaccurate or unverifiable information also violates 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of information known or should be known to be inaccurate. I am requesting that the CFPB investigate this matter and require the furnisher to : Cease inaccurate reporting Correct or delete the account from all consumer reporting agencies Comply fully with all applicable federal consumer protection laws Thank you for your attention to this matter
Frequently Asked Questions
What is Complaint #18876498 about?
Complaint #18876498 was filed against Lanier Collections Agency And Services INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-20T12:00:00-05:00.
How did Lanier Collections Agency And Services 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 Lanier Collections Agency And Services INC?
Yes, visit the Lanier Collections Agency And Services INC company profile at readthecomplaint.com/company/lanier-collections-agency-and-services-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.