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  • FCRA § 611 disputes
  • FDCPA § 809 validation
  • Reg F § 1006.6 cease contact

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FCRA § 611 Credit bureau dispute Wrong balance, not your account, or outdated item on Equifax, Experian or TransUnion. FDCPA § 809 · Reg F Debt validation A collector contacted you. Make them prove the debt within 30 days. Reg F § 1006.6(c) Cease contact Stop calls, texts and letters from a collector. FCRA § 605B Identity theft block Block accounts opened by someone else. FCRA § 611(a)(7) Method of verification The bureau said “verified.” Ask how. Goodwill Late payment removal Ask the creditor to remove a one-time late payment. Settlement Pay-for-delete offer Offer payment in exchange for removal — in writing. FCRA § 623 Direct furnisher dispute Dispute straight with the bank or lender that reported it.

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COLLECTOR WATCHLIST

The 25 most-complained-about collectors

Ranked by complaints filed with the CFPB. Each profile explains who they are, what they collect, and how to request validation.

#CollectorTypeCFPB complaints*Action
01 Midland Credit ManagementIn CFPB data: Encore Capital Group Debt buyer 50,437 Validate debt — Midland Credit Management →
02 LVNV Funding / ResurgentIn CFPB data: Resurgent Capital Services Debt buyer 49,061 Validate debt — LVNV Funding / Resurgent →
03 Portfolio Recovery Associates Debt buyer 48,745 Validate debt — Portfolio Recovery Associates →
04 CL Holdings (Jefferson Capital)In CFPB data: CL Holdings LLC Debt buyer 37,522 Validate debt — CL Holdings (Jefferson Capital) →
05 Credit Collection ServicesIn CFPB data: CCS Financial Services, Inc. Collection agency 21,515 Validate debt — Credit Collection Services →

*CFPB Consumer Complaint Database, total complaints as of Sept 2026; a complaint is not a finding of wrongdoing.

See the full watchlist →

Free tools & finders

Finder Consumer attorney finder FDCPA & FCRA lawyers by state. Many take cases at no upfront cost to you. Finder Debt relief finder Compare settlement, consolidation and counseling by your debt amount. Finder Nonprofit credit counselor Free or low-cost budget help. Finder Credit builder finder Secured cards and builder loans that report to the bureaus. Calculator Statute of limitations checker Can they still sue? Check by state. Calculator Settlement offer calculator What to offer a collector: 30%, 40% or 50%. Calculator Credit utilization calculator See your ratio per card and overall. Calculator Debt payoff planner Snowball vs. avalanche, month by month.

Learn your rights

Debt Collectors Dispute Letters
Dispute Letters

How to Send a Dispute Letter by Certified Mail

Certified mail gives you proof of when your dispute was mailed and delivered. Here is how to send it, what it costs, and what to keep.

By Marcos OrtegaDebt Collectors

CL Holdings on Your Credit Report? What It Means and What to Do

CL Holdings is part of the Jefferson Capital debt-buying group. Here is how to identify the debt, request validation, and dispute errors.

By Marcos OrtegaDebt Collectors

Credit Collection Services (CCS): How to Deal With Their Calls and Letters

Credit Collection Services often collects insurance, utility, and phone bills. Learn your call rights, how to dispute, and how to stop contact.

By Marcos OrtegaDebt Collectors

IC System Collections: Your Rights and How to Respond

I.C. System collects mostly medical, utility and telecom debts. Here is how to check the debt, dispute it in writing and use your rights.

By Marcos OrtegaDebt Collectors

Transworld Systems Inc (TSI): Student Loan and Medical Collections Explained

TSI collects medical bills, private student loans and more. Learn what the 2017 CFPB order said and how to respond to TSI step by step.

By Marcos OrtegaDebt Collectors

National Credit Systems: How to Handle Apartment and Rent Collections

National Credit Systems collects for apartment owners. Here is how to check rent, damage and lease-break charges and dispute them the right way.

By Marcos Ortega

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