Credit reporting or other personal consumer reports — Action Collection Service (ID)

Account information incorrect. On XX/XX/year>, I received a voicemail from ACTION COLLECTION SVC and returned the call the same day. During that call, which took place over a recorded line, I clearly and firmly disputed the alleged {$100.00} debt from XXXX XXXX XXXX and stated that I would pursue legal action if they proceeded to report it to the credit bureaus. Despite my dispute, and without providing any validation of the debt, ACTION COLLECTION SVC reported the account to both Experian and TransUnion. They also failed to mark the account as disputed, which violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). As a direct result, my credit score dropped by XXXX points, reducing my score to XXXX as of XX/XX/year>. This occurred les