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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FCRA § 611 Credit bureau dispute Wrong balance, not your account, or outdated item on Equifax, Experian or TransUnion.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

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 OrtegaDebt Collectors

Kriya Capital: Who They Are and How to Respond to Collections

Kriya Capital is a Dallas investment firm that owns collection and medical billing companies. Here is how to identify the debt and respond.

By Marcos OrtegaDebt Collectors

Midland Credit Management: Who They Are and How to Handle Their Letters

Midland Credit Management collects old debts bought by Midland Funding. Here is who they are, your rights, and how to respond to their letters.

By Marcos OrtegaDebt Collectors

LVNV Funding and Resurgent Capital: What to Do If They Contact You

LVNV Funding owns the debt and Resurgent Capital Services manages it. Here is how they work, your rights, and the steps to respond.

By Marcos OrtegaDebt Collectors

Portfolio Recovery Associates (PRA): How to Respond and Protect Your Rights

Portfolio Recovery Associates buys and collects old debts. Learn about its CFPB orders, your rights, and how to respond step by step.

By Marcos Ortega

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