Collection Bureau of America Ltd. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Collection Bureau of America & BAL. {$240.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
02/14/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32003	Web	Servicemember
In XX/XX/XXXX, I filed a CFPB complaint regarding a fraudulent account that was opened in my name with XXXX ( formerly XXXX XXXX ). I received a fraud package which I am submitting here for the purposes of transparency and accountability as I believe that the practices being used my XXXX and XXXX are deceptive and illegal. Specifically ( pertinent documents are attached ) : 1. In early XX/XX/XXXX, I filed a credit bureau dispute ( attached ) which included this account. At that time I requested an explanation as to why the trade line on my credit indicated that Collection Bureau of America was listed as a " collection agency/attorney ''. Per federal law it is illegal to present as an attorney if you are not or suggest the threat of legal action if there isn't one. I believe this violates federal law. I also noted that a similar account was placed against my credit from XXXX which I had disputed with the State of Florida as I did not take delivery due to differing of services promised versus what I was getting. I alleged that this new account was a continuation of the old account based on the similarity of amounts, services, and circumstance but there was no explanation provided for that either. Essentially, XXXX could have taken the old debt, changed the amounts and account number, and submitted it to the collection agency simply to harass me for payment. Again, I have not been provided one single document showing my signature or agreement to the services that I'm being charged for. ( attached as 'Credit Letter Dispute ', Florida XXXX XXXX Complaint and XXXX XXXXXX/XX/XXXX XXXX XXXX Dispute ' ) 2. In my original CFPB XXXX complaint submitted in late XX/XX/XXXX, I also remarked that I had not received a copy of any agreement that I signed or paperwork which would indicate that I owe on this account. The response from XXXX that I received stated that they verified my address when they sent the collection notice in XX/XX/XXXX and that I lived at XXXX XXXX XXXX XXXX in XXXX NJ which I did. I had actually lived there since XX/XX/XXXX when my husband received military orders there. I noted this in the complaint when I asked the question of how I could have XXXX services in Florida while living in NJ ( see attached NJ Orders ). Again, no explanation or documentation. I also have received multiple different amounts owed. I have seen {$230.00} listed as the original amount, {$290.00} listed on my credit report, {$300.00} listed on the most recent correspondence from XX/XX/XXXX and {$300.00} listed on correspondence from XX/XX/XXXX. I would also point out that the breakdown of charges on both letters differs significantly with one showing a {$230.00} principal balance with {$73.00} in interest and one showing a {$190.00} principal balance with {$72.00} in interest and {$35.00} in collection fees ( see attached XXXX Fraud Package and XXXX water cooler dispute ). Again, it is a violation of federal consumer law to collect incorrect amounts or report incorrect amounts to the credit bureaus. Further, again where is the agreement stating that interest would be owed on an outstanding balance? 3. XXXX stated in their response to my original CFPB complaint that they did not have the authority to release me from a fraudulent debt, however the tradeline on my credit shows them as the creditor ( see attached CFPB XXXX Response ) which I surmise means that they could at the very least remove the tradeline on my credit report. 4. The Fraud Package ( see attached XXXX Fraud Package ) is fairly extensive and invasive. I don't have utility bills from XXXX-XXXX but I have included documents that provide the information requested in the package to include, 1. My military ID, 2. A copy of my husband 's military orders and housing assignment form to military housing in New Jersey to prove residency at that time 3. Personal info and the details of my complaint included in my original submissions as attached. I believe that the Fraud Package is unnecessarily burdensome to preclude consumers from exercising their rights under U.S. law to include requirement of notarization AND submittal of government issued docs ( it's usually one or the other to prove identity ), requirement of utility bill submission from 4-5 years ago, as well as the cost and time associated with complying with these requirements. At this point, I have provided sufficient documentation and accurate information and timelines such that the proof should be on the creditor, not consumer, to prove the debt is legitimate. Far too many companies know that enforcement of U.S. consumer law is lax due to resource constraints and that most consumers will need to take legal action, which most can not afford to do, to enforce their rights. It's a dishonest numbers game and it needs to stop.
08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 07869	Web
In XXXX 2014, I ordered to XXXX XXXX, by the very first time, XXXX XXXX bottles of water based on a promotion which was intended to provide a " hot and cold cooler with cup '' + a " bottle rack '' + " XXXX XXXX plastic bottles '' for free based on the monthly delivery of this amount of bottles charged to my checking account. In that moment, XXXX XXXX debited {$18.00} from my account as a deposit for the plastic bottles. No contract was signed in that moment or at any time after. The first delivery had a delay of two weeks. In XXXX, there were XXXX bottles delivered and charged with the expected fee ( US {$20.00} ) to my checking account. In XXXX, XXXX XXXX did not deliver the XXXX bottles scheduled ; however, the cost was withdrawn from my account ( US {$20.00} ). Even several calls claiming for delivery of the paid bottles, this never happened. The same situation was repeated in XXXX : XXXX XXXX took US {$20.00} from my account but never delivered the expected bottles of XXXX or the delayed bottles from XXXX. After several calls claiming, XXXX XXXX Customer Service representatives promised to deliver the XXXX bottles and reimburse the XXXX payment. However, none of both things ever happened. Due to reiterative failure of XXXX XXXX to fulfill its obligations even though they kept debiting my account, the first week of XXXX I called Customer Service ( XXXX ) and required to cancel the service, to reimburse XXXX and XXXX payments and to reimburse the deposit ( US {$18.00} ). Additionally, I informed my decision of closing the checking account to avoid any additional withdraws. This requirement was registered under the control number XXXX. In that moment, the Customer Service representative required me to leave the XXXX bottles, the bottles stand and the dispenser in my front door. Given nobody came from XXXX XXXX to pick these stuff up ; I took it again back into my home and called them again. They mentioned they had trouble with the dispatcher in my area and required me to wait for him to come. In XXXX XXXX, I uploaded a new complaint in the XXXX XXXX website, requiring them to pick their things up and reimburse my money. After that, the only thing I received were XXXX packages of bills charging me a " rental fee '' for the cooler, rack and bottles, XXXX in XXXX and the other in XXXX adding a total of US {$190.00} ( see attachment XXXX ). After receiving the first package, I called XXXX and they mentioned that I did not have to concern because my account was " closed ant that somebody will call me to arrange the supplies collection ''. This call never happened. After receiving the XXXX package of bills ( XXXX ) I received a call from the Collection Bureau of America, informing me, by the very first time, that I had to return at my own expense the cooler, rack and bottles. Immediately, I returned all these elements in an address XXXX minutes away from my home ( XXXX XXXX ) as it is stated in the third document attached ( faxed to the Bureau in XXXX XXXX ). Some time later I received a letter from the " Collection Bureau of America '' communicating me that a collection process was initiated ( see attachment XXXX ). In summary, today XXXX XXXX has not delivered the bottles I paid, have not returned the almost US {$60.00} dollars corresponding to the deposit and the service fee, and additionally, they are charging me for a rental fee of supplies after I required by phone and in their website the service cancellation ( Simply incredible!! )
10/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95124	Web	Older American
On XXXX/XXXX/XXXX I received a bill from Collection Bureau of America ( CBA ), XXXX XXXX XXXX XXXX, XXXX, CA XXXX trying to collect a {$140.00} debt plus interest on behalf of University XXXX XXXX XXXX XXXX XXXX which I do not owe. The guilty party in this account is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Tel : XXXX. What follows is an explanation of the facts. On XXXX/XXXX/XXXX I requested a XXXX XXXX from my doctor. They informed me that insurance would not pay for this XXXX and I would have to pay the full cost of {$180.00} personally in advance. I paid the {$180.00} on the spot, they gave me a receipt, and then they gave me the XXXX. Four months later on XXXX/XXXX/XXXX my insurance company received a claim for my XXXX expenses from my doctor 's billing service, University XXXX XXXX, even though the bill had already been paid in full by me. The insurance company sent me an XXXX showing that the patient responsibility for the XXXX services provided on XXXX/XXXX/XXXX ( XXXX codes XXXX, XXXX, XXXX ) was only {$69.00}. According to this XXXX I was overcharged for my XXXX by an amount equal to {$180.00} - {$69.00} = {$110.00}. To make matters worse, on XXXX/XXXX/XXXX, six months after my XXXX, I received a bill from XXXX for {$360.00} for the XXXX services provided on XXXX/XXXX/XXXX. Having already paid for the XXXX in full at the time of XXXX, I declined to pay the additional charge. Instead I sent copies of my doctor 's payment receipt and the insurance XXXX to XXXX and requested a refund of my overpayment. XXXX did not send a refund, did not acknowledge receipt of my documentation, and did not provide any explanation as to why they thought they were entitled to change the price of my XXXX after the fact. Instead, on XXXX/XXXX/XXXX I received an amended bill from XXXX for {$140.00}, which is on top of the {$180.00} I had already paid. Again I declined to pay XXXX bill as I had already paid the full cost of the XXXX in advance at the time of service. The fact that XXXX changed their bill from {$360.00} to {$140.00} is an admission by XXXX that their first bill was incorrect and that they are somewhat confused and incompetent. Unfortunately their second bill is also incorrect and they have refused to correct it. They also refused to acknowledge my request for a refund as detailed above. Bizarrely, in a recent telephone call, XXXX claimed the price I was quoted and I paid for the XXXX did not include the cost of the XXXX! This bizarre excuse is not credible, and not surprisingly, XXXX did not put this claim in writing. Their fatuous argument is equivalent to a supermarket telling you the posted cost of a loaf of sliced bread, does not include the bread! Of course, the XXXX makes clear that the contracted cost of my XXXX, including the XXXX (! ) is {$69.00}, so XXXX have no basis for their ludicrous and disingenuous assertion. At best, XXXX is guilty of bait and switch : changing the price of my XXXX 6 months after it had been agreed, provided, and paid in full. At worst, XXXX is guilty of fraud : ignoring the contracted rates for service with my insurance company, and ignoring the agreement made with me at the time of service. Fraud is illegal. XXXX should be investigated to determine the extent of their fraudulent billing practices and, if appropriate, a class-action lawsuit should be instituted to recover all excessive charges levied on patients since XXXX came into existence.
01/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MA 01970	Web	Older American
This complaint supersedes the complaint which I filed against these parties. The complaint involves XXXX parties, XXXX XXXX XXXX ( XXXX ) and its collection agency, Collection Bureau of America ( Bureau ). Essentially, the Bureau submitted a bill to me containing false statements as to what I had been paid and what I owed due to charges my insurance company disallowed. When I demanded a bill reflecting any adjustments by my insurer, the Bureau refused to provide it and threatened to report me to the credit reporting agencies, as it knew that reporting accurate information would have revealed its fraud. Because these practices appear widespread, an investigation is necessary and enforcement action may be as well. The complaint relates to my hospital stay in XXXX XXXX XXXX in XXXX and XXXX XXXX. I was treated both in the emergency room and the main hospital. I received a bill from XXXX in early XXXX claiming {$5500.00} for services rendered while hospitalized. This bill was the only one I received for a stay in which the total billed amount was in excess of {$120000.00}. I contacted the billing departments for both the emergency room and regular hospital physicians. Both reported that all services had been paid in full. I contacted my insurer, advised them of these facts, and asked them to investigate. XXXX reported that it could find no record of a bill rendered by XXXX. In the fall of XXXX, I was contacted by an XXXX at the Bureau. She initially claimed that the insurer had not paid the {$5500.00} and that I owed it. In a second call she claimed that I had been paid approximately {$5200.00} and that I owed that. I explained that I wanted a statement of itemized charges together with the insurer 's adjustments. She refused to provide one. Thereafter, my insurer and XXXX communicated and discovered the reason for the lack of progress in my investigation. XXXX had reported the charges under a different physician, XXXX XXXX, than the physician reported to me, XXXX XXXX. Hence, when I was asking for information from XXXX, they were not searching under the right name. Based on the records available to XXXX, they advised that {$1100.00} of XXXX claim had been disallowed, and that this fact had been communicated to XXXX. Hence the following statements, made through the United States mails and by interstate wire communictions, were false and known to be false by XXXX and the Bureau when made. 1. That I had been paid {$5500.00}. 2. That I owed {$5500.00}. 3. That I owed interest on the {$5500.00}. In addition, XXXX and the Bureau 's failure to provide a bill indicating the insurer 's adjustments were made in an effort to conceal conduct that they knew to be unlawful. I do not have the ability to scan documents on this computer but I can provide copies if contacted at the cotaqct information below. My advice to consumers is twofold. Never accept as true a medical bill that does not reflect the adjustments made by the insurer. And, what originally aroused my suspicion was a bill where all of the entries ended with a zero in the single dollar place. With more than 15 separate entries on the bill, the chances of this happening after action by the insurer are virtually nil.
10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93907	Web
I had water service delivery to my home by XXXX XXXX, after a couple of months of service I called to make a harassment complaint on my route delivery person and was assured he would never contact me again. A day after I made the complaint the driver called me harassing me, calling me names and threatening that I would regret this, I called XXXX XXXX again and complaint again, and the driver did not stop calling me, so I cancelled my service and long a behold who do they have schedule to pick up the equipment from me? The same driver they assured me would never be in contact with me again, when he called me I told him I did n't want any problems that all I wanted was to return the cooler back to them and be done with them, he laughed and instructed me to leave it outside my door when I left to work that morning that he would be by to pick it up first thing in the morning, he didtnt pick it up the following morning which was a Friday he called really early and said he would do it that day for sure, and again instructed me to set it out by my porch, when I returned from work that evening at around XXXX the cooler was gone and the driver never contacted me again. I asked my neighbot if they had noticed the water guy by the house and she told me she had seen the truck down the street so I assumed he picked it up. I was never billed for the supposed lost cooler, my last bill was for {$5.00} dollars, until 4 months later I get a bill from the collection agency claiming I owed them the cooler and I was upset and spoke with a manager who was supposed to research the matter and never did, so I wrote this letter to the collection agency. You use the this as your sale statement " XXXX ( XXXX ) does two things better than anyone else - deliver safe, great-tasting bottled water, beverages, supplies and equipment straight to your door, and we deliver refreshing customer support to help you with your beverage needs. YOU DONT DO THINGS BETTER, I CANCELED MY SERVICE WITH XXXX BECAUSE ONE OF YOUR DRIVERS WAS HARRASING ME, OVER AND OVER AGAIN YOU FAILED TO PROTECT ME, YOU EXPOSED ME TO VERY DANGEROUS SITUATION, I CANCELLED MY SERVICE AS RESULT OF THIS AND YOU HAVE THAT SAME DRIVER BE THE PERSON WHO IS TO PICK UP THE EQUIPMENT AND CLAIM IT LOST OF STOLEN, THE SAME MAN WHO TOLD ME I WOULD REGRET EVER CALLING IN TO COMPLAINT AGAINTS HIM. NOW I AM IN COLLECCTIONS AS A RESULT OF THIS\, SO HE WAS RIGHT ABOUT ONE THING, I WOULD REGRET THIS AND I DO!!! I HAVE CALLED AND A IM CONSTANTLY GIVEN THE RUNARONDS THAT YOU CAN NOT DO ANYTHING ABOUT THIS. I DONT HAVE YOUR COOLER, I SET IT OUT FOR PICK UP AS INSTRUCTED BY YOUR DRIVER, I AM DOING ALL THAT I FEEL IS POSSIBLE TO GET SOMEONES ATTENTION ON THIS CASE SO YOU CAN SPEND THE TIME AND GET TO THE BOTTOM ON THIS. YOU DINT PROVIDE ME WITH SAFE WATER THE EXACT OPPOSITE OF THAT AS A MATTER OF FACT. I AM STILL SO AFRAID OF YOUR DRIVER, WHAT IF HE COMES AFTER ME, HE KNOWS WHERE I LIVE ... XXXX HOW COULD YOU TRUST HIM TO BE THE SAME PERSON TO PICK UP THE COOLER???? OFCOURSE HE WAS GOING TO FIND A WAY TO RETALIATE AGAINTS ME, I WOULD LIKE TO CONTACT YOUR LEGAL TEAM, I WANT TO PURSUE THIS HIGHER. PLEASE CALL ME AT XXXX .MY NAME IS XXXX XXXX
03/07/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 20902	Web
I signed up with XXXX XXXX ( XXXX XXXX XXXX XXXX ) through XXXX. I was supposed to be receive XXXX bottles of XXXX gal water per month. Instead, they were delivering XXXX bottles bi-weekly at {$6.00} per bottle. I called them and they told me they would pick the extra bottles up and adjust my account to reflect correct costs. It never happened. I called back again asking about it, was told it was n't done, but the rep I was speaking with would be putting in an order to have the unused water and empty bottle picked up at the time of the call. The driver came, but only took empty bottles not extra water. At this point I was highly upset because they were also dropping off MORE water and charging me. I had a total of XXXX bottles of water. I called after receiving a late payment notice from them and stated I was told to make payment after adjustments were made. I informed them that they needed to fix my account so I can make the payment for the correct amount I was initially told I 'd be charged, not $ XXXX+ they were now claiming I owed due to the excess water. I requested to cancel the account. They told me the account amount can not be adjusted until the water is picked up. XXXX did not deliver more water pass the XXXX bottles, but also never came to pick up the equipment & water, nor made any adjustments. In XX/XX/2016, I checked my credit report to see that XXXX had referred my account to CBA ( Collection Bureau of America ) and my credit ha taken a big hit, dropping XXXX points! The amount owed on my report listed by the collection agency now read {$330.00}! I never received any notice from Collection Bureau of America about the debt nor anything stating my right to dispute. I most certainly would have disputed considering the issues I was having with XXXX XXXX. After calling XXXX XXXX due to seeing the account had been transferred and the stuff still had not been picked up, they told me they could no longer do anything about the account and that I would need to talk to the collection company. XXXX XXXX purposely over charged me and ruined my credit when they decided not to pick up their product after multiple phone calls. I called collection company and they told me I had a {$330.00} balance and I would need to bring the equipment to the crystal warehouse and it would adjust the balance down to {$110.00}. I told them that crystal water was supposed to have picked up the products, but never did. The rep told me no one would be coming to pick the stuff up and that I would need to bring the equipment and bottles in or be charged for them. I drove over 45 minutes to drop off the stuff at XXXX 's location. The rep asked me why I was dissatisfied with the product and I explained everything that happened. He informed me that the XXXX XXXX drivers are understaffed in the area and that is why they never came to pick up the equipment and water. I am being penalized by way of being over charged and my credit ruined for a problem within the XXXX XXXX company. It is my belief that XXXX XXXX has also misrepresented the status of account to CBA. XXXX ACCOUNT # XXXX
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95054	Web
On XX/XX/XXXX, I received an email alert with the subject " Review the potentially negative activity on your credit report '' from my credit card company. I saw the email mentioned " Credit information provided by XXXX ''. Therefore, I went to the XXXX website to check what happened. I signed up at the XXXX website for the first time. I found an account that newly showed up on my XXXX credit report that has the Account Name " COLLECTION BUREAU OF AMERICA '' said " Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. '' with Original creditor " XXXX XXXX XXXX ''. I immediately found this account was a complete fraud and absolutely did not belong to me. I looked up " XXXX XXXX XXXX '' and they seem to be a property management company in XXXX XXXX, CA. I have never rented or done any business with them. I have rented the exact same unit at my current apartment complex in XXXX XXXX, CA since XX/XX/XXXX. I never owe " XXXX XXXX XXXX '' any money. On XX/XX/XXXX, I called XXXX to dispute this account, explained this shouldn't belong to me, and requested XXXX delete this account from my credit report. On XX/XX/XXXX, XXXX emailed that the dispute is completed. I still see the account on my credit report. On XX/XX/XXXX, I called XXXX again and explained again that this account shouldn't belong to me, I lived in the same apartment since XX/XX/XXXX. The first representative of the XXXX phone line told me she didn't see a Social Security Number associated with this account. She believed this might be a " mix up '' so she transferred my call to their " Mix Department ''. The second representative then told me they confirmed with " COLLECTION BUREAU OF AMERICA '' that the personal information was accurate, so the account was verified. I challenged the representative whether " COLLECTION BUREAU OF AMERICA '' provided my SSN because the first representative told me there was no SSN. The second representative didn't confirm about SSN but kept saying personal information was accurate etc. I requested XXXX to provide proof, he told me I had to contact " COLLECTION BUREAU OF AMERICA ''. At the end of the conversation, XXXX opened another dispute for me. On the same day XX/XX/XXXX, I called " COLLECTION BUREAU OF AMERICA '' directly. My call kept getting transferred or hung up, so I spoke to roughly XXXX representatives. None of them could provide any proof that the collection account/debit belongs to me. The information they had ( such as name, date of birth, and address ) did not match my personal information at all. At last XXXX representative said he couldn't do anything because the account was disputed already and hung up. On XX/XX/XXXX, XXXX emailed again that the dispute is completed. I still see the account on my credit report. I am totally upset with both XXXX and " COLLECTION BUREAU OF AMERICA '', please help me delete this fraud account from my credit report. This account does not belong to me and should never show up on my credit report. Thank you!
09/18/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20706	Web
My Name is XXXX XXXX XXXX ( This is an important not as many systems can not take the XXXX in there system and it causes confusion with both my father and grandfather XXXX, XXXX which are still living ). So in XX/XX/XXXX i was notified of a debt collection from XXXX XXXX being collected by the Collection Bureau of America ( NMLS ID : XXXX ; XXXX XXXX XXXX XXXX, XXXX CA XXXX ). So i called the collection company to get the details of what was happening and discovered that this was a case of mistaken identity. During XXXX at the XXXX XXXX XXXX i did a rent to own water cooler from XXXX XXXX. When i graduated in XX/XX/XXXX and started working i paid it off. My father wanted to keep the water cooler so we transfer the account over to him. However, in having the same name and not being able to distinguish between the XXXX and the XXXX. Nothing changed. At this time the account was paid off and transferred. Fast forward to Fall of XXXX my father made transactions on the account, that was now his that XXXX XXXX never changed the finance information for. This was never a transaction that i authorized or was even knowable of. I have not live at XXXX XXXX XXXX, XXXX md XXXX since XXXX. So i called XXXX XXXX to make them aware of the issue and they acknowledge the mistake but since the account had been sent to collections and after escalating through various levels of management they did not know how to handle this situation. I then had them look at the payment method of how the account was being paid as proof that it wasn't me and indeed the account was linked to my fathers debit card. I talked with Collection Bureau of American as well as did my father to clear up this matter up. We did this on three separate occasions in XXXX and the collection agency assured me that they would remove it from my credit report. I also filed a dispute with XXXX about this claim but because of the name and the fact that i lived there and the limit texted to explain this situation. I got no where with this either. After multiple check to my credit report over the next year this transaction was never removed. When call back to XXXX XXXX i was repeatedly ensure that this was being address. However, once the case worker was changed all was forgotten and i am left with no other option. I contacted a lawyer about this matter and they pointed me in the direction of this website. I also asked the collection agency to provide proof that i authorized this transaction. What they sent to me was the original document in XXXX. What i pointed out to them is that the activity for which this seems to be associated with is 10 yrs after the transaction that I authorized when i did own the account. This should have been a rather large red flag. I then asked them does it seem plausible to be collecting a debt 10 years after the fact when the amounts don't even align.
01/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85037	Web
Collection Bureau of America has been sent out collections notification to me regaurding an alleged debt to XXXX XXXX XXXX XXXX in the amount of {$1800.00}. I responded with a letter asking to verify debt. They sent me back on XXXX documents that they say verify this debt as being mine. I NEVER signed a contract with XXXX XXXX XXXX XXXX. The original contract I had with XXXX XXXX XXXX was terminated XXXX when my unit was put up for auction, as per the letter I received from XXXX and XXXX. I spoke with XXXX the manager at XXXX XXXX XXXX at the time and informed her that I was not able to pay the outstanding balance of {$410.00} prior to the auction date and advised her to proceed with the auction to clear the debt owed and she agreed. XXXX XXXX XXXX XXXX never sent me to notice of them acquiring the unit by mail or otherwise prior to my verification letter sent to XXXX on XXXX. The first time I have seen this was AFTER I asked them to verify the validity of the debt from the collection agency. I received a letter dated XXXX notifying me that the unit that was purchased and was now owned by XXXX XXXX XXXX XXXX. COLLECTION BUREAU OF AMERICA has NOT provided proof that I signed a contract with XXXX XXXX XXXX XXXX, nor that I was notified of the change of companies prior to XX/XX/XXXX. If my contract was not terminated on XX/XX/XXXX with the auction that was held by the XXXX XXXX XXXX XXXX then XXXX XXXX XXXXXXXX XXXX held on to the contract from the time of acquiring the business until XX/XX/XXXX to build a XXXX XXXX enough to take to collections, knowing that I was in default and up for auction PRIOR to them purchasing the business. On XX/XX/XXXX I received my auction notification from XXXX XXXXXXXX XXXX XXXX in the amount of {$410.00}. XXXX XXXX XXXX XXXX never notified me of an auction that was held for my items since they have acquired XXXX XXXX XXXX XXXX. The contract that was sent to me was part from XXXX XXXX XXXX XXXX and part from XXXX XXXX XXXX XXXX. The documentation has been altered and presented as though it is original documentation. I have my current contract with XXXX XXXX XXXX XXXX The ledgers that were sent from XXXX XXXX XXXX XXXX via XXXX XXXX that the unit was processed for forclosure on XX/XX/XXXX with 8 months of increased fees ( no notification sent prior to those fees increasing ), insurance fees, and late fees. My bill went from {$410.00} dollars to allegedly owe {$1800.00}. From the ledgers that were sent to me on XXXX, I show fees of {$740.00} that were obtained from the auction that was held. No notice was sent to me regarding this auction during any phase. Collection Bureau of America is continuing its collection on me with documentation that is not legit and practices that are not legal.
08/20/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30294	Web
I need COLLECTION BUREAU OF AMERICA FOR to validate and verify pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and COLLECTION BUREAU OF AMERICA is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). COLLECTION BUREAU OF AMERICA has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want COLLECTION BUREAU OF AMERICA to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) need this information because within five ( 5 ) days COLLECTION BUREAU OF AMERICA needs to provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for COLLECTION BUREAU OF AMERICA. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. The CONSUMER wants CREDIT BUREAU OF AMERICA TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because COLLECTION BUREAU OF AMERICA says she owes them money and according to the LIBER CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract with. The unauthorized intrusion into the Consumers Credit Reports are not part of what Consumerism is about. This CORPORATION is in PROFIT, TRADE, AND BUSINESS, and the Consumer has personal, family, and household goods and it is not to be misconstrued for PROFIT, TRADE, AND BUSINESS, like this CORPORATION,. COLLECTION BUREU OF AMERICA is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. XXXX XXXX XXXX XXXX Consumer
04/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60169	Web
I recently reviewed my credit report using one of several free services. It was at this time that I observed that a collections account had been opened back on XX/XX/2020 on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. I was puzzled by this. I am aware that prior to XX/XX/XXXX of 2020 that my XXXX XXXX XXXX XXXX account had been in collections, and I was given two different options at that time. I could pay an extremely large amount of money which reflected all of the past due service charges, any late fees from those billing statements not paid, plus the entire cost of the rented dispensers on account, plus charging for every single bottle in my possession. Suffice it to say that was an astronomical amount of money. I was also given an offer to pay a much smaller amount of money to resume services. I selected the option to resume service, I provided my payment information over the phone, I then asked how I would go about restoring service, because DS Waters when I previously called them stating that I just wanted to pay them to get the account back current said I could not deal with them once it went to collections ... I was advised that someone from either the collections company or XXXX XXXX XXXX XXXX would contact me to resume service. It's possible that phone calls/voicemails were missed. Not likely because I was actively expecting those calls. I was never contacted in writing by either party to resume service. I was never contacted by either party to indicate that billing and service had automatically resumed under the previous service conditions. I was never contacted to in writing to communicate that I needed to call someone to restore service. I was never contacted in writing to communicate that this account was sent to collections. I fail to see how I can be sent to collections, for something that I was never even billed for. I performed my responsibility which was to pay the amount communicated by the previous collection attempt. When I asked that representative about next steps, she never indicated that it was my responsibility to contact anyone, for any reason ... When skimming through complaint information about this collections company on your website, I observed that at least one other person had issues with a water delivery company. I must wonder where the problem truly lies, on the end of the water company, or the end of the collections company. In this situation however, I feel that both companies have committed multiple errors along the way.
02/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
01/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80817	Web	Servicemember
Below is the email I sent to Collection Bureau of America on XXXX XX/XX/2019. I followed up with another email asking for a status on XXXX XX/XX/2019. Today I saw a collection note on my XXXX XXXX account. I originally got an letter per the USPS dated XXXX XXXX from CBA ( I live in the country and pay everything on line with automatic debits, so I don't open a stack of letters but every few months, I know, crazy ) and never received a phone call saying XXXX XXXX was sending me to a collection agency for the {$4.00} for the water cooler rental. They now want {$250.00} for several months rent on the cooler, their fees and FULL price for a water cooler ( {$170.00} ) that I have probably paid {$700.00} in rental fees for over the last 10 years and have never asked for any maintenance on. Below is the email sent XXXX XXXX. To whom it may concern, I recently received a collection letter from CBA for XXXX XXXX XXXX XXXX XXXX. I have never received any positive communication from XXXX XXXX about this account status. No phone call, no certified letter, no email receipt of confirmation about this issue. I thought my account was being paid with an automatic withdrawal that I had set up. It turns out that debt card was canceled due a bunch of XXXX debit cards being compromised about 10 months ago ( sorry, it's easy to overlook small charges of {$4.00} ). I have been a customer with XXXX 12-15 years. I have paid about {$5.00} dollars a month for a water cooler lease ( 12months X {$5.00} X 12 years = {$720.00} at least ) for that time. I will be happy to pay what I owe ( plus interest, but not the XXXX fee of {$38.00} ). If this isn't acceptable, I have a XXXX XXXX of over XXXX. I will be glad to take it up with Equifax and TransUnion if I have a collection item show up with them, or in small claims court if needed. Bottom line, I would be happy to continue to be a customer of XXXX and pay them what I owe ( something like {$48.00} plus interest ) and continue to rent a XXXX XXXX XXXX water cooler for {$5.00} a month ( this seems like a win/win situation ). This would also gain them glowing reviews on their website from me! If XXXX wishes to terminate our relationship totally, I still want to pay what I owe, per the amount mentioned in this paragraph and they are welcome to come retrieve their water cooler at my house, just like they dropped it off XXXX or so years ago. Thanks XXXX
03/19/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29681	Web
On XX/XX/2019, I was called from an autodialer from Collection Bureau of America. The call told me to press one if I was XXXX XXXX. Then told me to wait for the next representative. A representative named XXXX picked up the phone after I waited it to connect me to someone. She informed me that she was with Collection Bureau of America and did not verify any information with the exception of my name, which she had as XXXX XXXX, not XXXX XXXX. She then told me my addresses ( previous and current ). It could have been anyone on the line that she was talking to since she didn't ask me any personal identifiable information. She did not ask for any information from me. I asked what it was regarding and she told me it was regarding a storage bill but she could not tell me the company. Then, she said it was in XXXX, but then said it was in XXXX. She told me I could look it up. I told her there are tons of storage companies in XXXX! I told her I was worried about them reporting to the consumer reporting agencies and she said that it could be reported in 30 or 45 days. I informed her that they had not even sent me any validation and they have not given me the right to dispute the debt. I ended up informing her about that her company violated the Telephone Consumer Protection Act ( TCPA ) and asked to talk to a supervisor because the TCPA violation could cost them a fine of {$500.00} per call. She argued with me stating that she called me and the call was not autodialed, which was a lie. I asked her if the call was manual dialed, why did I have to push 1 to confirm I was the person and then wait " for the next representative. '' XXXX, then, hung up on me. I called back, a woman picked up the phone and hung up on me again. Then I called again. The next representative did not want to transfer me to a manager. She ended up transferring me to a manager named XXXX. She told me the company that sent the debt to them was XXXX XXXX XXXX but she had no documentation. She would not give me their phone number either. I told her about her companies violation of the TCPA and that she should speak with her compliance department. I have worked in the compliance department of a third-party debt collection company and in the legal department of an automobile originator and dealt with many issues regarding violations such as TCPA, FDCPA and UDAAP. I know my rights, and my rights have been violated.
05/31/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94131	Web
back in XXXX of XXXX, i called the water delivery company XXXX to cancel our service. at the time we had several 5 gallon bottles of water, it was agreed we would run through them and a final date of empty bottle pick up was established ( around XX/XX/XXXX ) the bottles were picked up as agreed. i received the final bill in XXXX and paid it. then in XXXX we received four more bottles. i immediately called XXXX to let them know that we did not want them and that the account was cancelled back in XXXX.they said they would fix it and pick up the water.at he end of XXXX i received a bill for the new delivery. i sent the bill back to them, writing on the face of it that the account was cancelled in XXXX. i then got a bill in XXXX for the same delivery. i wrote on the face of that bill, again, that the account was cancelled in XXXX and requested that they stop sending me bills and to come pick up thewater. they completely ignored both of my requests. i janurary we received another bill with surcharges. for the third time i sent the bill back, writing on it again that i was getting extremely frustrated with them ignoring what i'd written on the bills. to be honest, i included a bit of invective and commented on the incompetence of whoever was opening the bills i had sent back. so in februrary i got another bill which i threw out in frustration. in XXXX i got another bill and was very frustrated so i called XXXX to complain, inquire about the issue of them not understanding that the account was cancelled back in XXXX and to try to work out with them what exactly the problem was. i explained this whole saga in detail to the person on the phone, expressing my frustration. the way the call ended was that she would look into it, they would pick up the water that is still on my porch from last XXXX and they would make sure the account would be cancelled. i never heard from them until my wife received notification from a collection agency in the middle of may-the account is in her name. it was a generic letter with no reference to XXXX, whatsoever. when she called the collection agency, they sent the string of bills that i described above. i believe this was unfairly sent to collection i believe their company engaged in improper action. i have since called both XXXX and the collection agency and got the complete run around from both parties.
03/28/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60625	Web
Hi, I would like to file a complaint against XXXX XXXX and Collection Bureau of America. COLLECTION BUREAU OF AME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX On XX/XX/XXXX, I checked my credit report and see that my credit score has gone down and there is a collection on file from Collection Bureau of America. I saw that the original creditor was XXXX XXXX XXXX XXXX XXXX. The account was opened on XX/XX/XXXX ( 5 yrs, 3 mos ). The balance is {$380.00}. I called XXXX XXXX at XXXX on XX/XX/XXXX @ XXXX to find out what happened. I was told my account was in collection and I need to call XXXX. I called XXXX on XX/XX/XXXX @ XXXX. I inquired for the status of account. The rep informed me the account has been in collection. I told the rep I know because I know it on my credit report. I asked the rep for more information on my account. She stated the last payment I made was on XX/XX/XXXX for the amount of {$100.00}. I informed the rep I was not aware of any outstanding balance. We did not use the XXXX XXXX that long to owe {$380.00}. I asked the rep for a copy of the bill. I asked the rep to email it to my personal email address. I spelled my name out letter by letter. The rep said I should receive it shortly. Today is XX/XX/XXXX. I have not receive a single email regarding my account or balance. To date, I have not received any written notice of my balance from XXXX XXXX or from COLLECTION BUREAU OF AMERICA. I have not been given the option to dispute my account. I was not aware of my account going in collection until I checked my credit report! We stopped using XXXX XXXX years ago. It is unfair to find out my account is in collection through my credit report. XXXX XXXXXXXX did not notify me of the balance nor the warning my account will go to collection. COLLECTION BUREAU OF AMERICA did not provide any written notices via mail of my account or my dispute rights. It is unfair to put my account in collection. It is unfair for me to find out through my credit report. It is unfair for me to reach out to the company for the bill and still not receive it. This practice is unprofessional and unethical. I asked that my account be removed from the my credit report.
01/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90247	Web
The Collection Bureau of America ( CBA ) incorrectly assigned or tagged me with another person 's debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of {$100.00}. The person 's outstanding account ( XXXX XXXX ) is not me and I do not have the same name and never have lived at the XXXX ( California ) address where the debt occurred. The account was not tied to my social security number when XXXX XXXX XXXX gave the collection agency this debt. The CBA collection agency tricked me into giving them my social security number and mailing address as well as other information so that they could send me a " fraud package '' however, instead they incorrectly sent me a bill saying that they have identified me as " the correct consumer for this account ''. After numerous times calling CBA, they requested me to call XXXX XXXX XXXX to resolve the issue. XXXX XXXX XXXX has cleared it on their end. CBA still refuses to allow me to resolve this issue and send me a fraud package. I have asked multiple times and they keep telling me to call XXXX XXXX XXXX. XXXX XXXX XXXX has stated that this account is not for me and they have not tied me with this account that CBA has tied with my SSN. I have spent numerous hours in XX/XX/XXXX and XX/XX/XXXX trying to clear this confusion. I have talked to XXXX XXXX at CBA approximately 5 or 6 times and he refuses to connect me to his " supervisor '' and keeps putting me on hold. He refuses to send me a fraud package or put me through to anyone else at CBA. I suspect that he doesn't have a supervisor, hence, getting frustrated talking to me and rudely putting me on hold while I am in the middle of a sentence. I have not been able to talk to anyone else at this company. This collection agency has fraudulently taken my social security number and used it for this other person 's account. This has significantly affected my near-perfect credit score and has caused me to spend an unnecessary huge amount of time and effort to fix a mistake that is not even mine, that CBA has made.
02/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92618	Web
XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA, has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$400.00} which is incorrect, I do not owe them anything. XXXX XXXX XXXX XXXX XXXX told me that as long as I pay them {$400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owe them money, and this is a collection to collect a debt. XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. XX/XX/XXXX COLLECTION BUREAU OF A XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$400.00} I would like XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA to immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions COLLECTION BUREAU OF AMERICA/ XXXX XXXX XXXX XXXX XXXX XXXX having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
01/29/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93560	Web
First I sent a request to XXXX to remove a Collection that was filed without notifying me about this issue. They did not remove the collection. them I contacted the Collection Agency Collection Bureau of America Just because I sent them a letter to remove the collection they immediately stated that they have verified such collection because I communicate with them. they sent me a letter that I owe them {$310.00} they did not pay attention to my letter where I am stating the inaccuracies and discrepancies XXXX fail. According to Sect. 623 of the Fair Credit Reporting Act states after you dispute with the Bureau you have the right to ask Creditor all the Documents that were provided to XXXX to prove their claim. I did not get such verification instead they sent me an itemized bill? I am disputing this debt because I do not owe it, back in XX/XX/XXXX I made payment arrangements directly with the company I made business with which is XXXX XXXX XXXX XXXX XXXX XXXX we agreed to settle this debt for {$220.00} which I did pay the records show that they received the payment however they Re-Sold the debt to a third party collection company. Also, I notify Collection Bureau of America that this debt was settled the same year back in XX/XX/XXXX, therefore, they are in Violation of the " Debt Collection Statute of Limitations '' which is 4 years for written contracts in the state of California the debt was settled in XX/XX/XXXX it is 4 years. Collection Bureau of America fail to contact me back when they got the collection Re-Sold to them, to my address in XXXX XXXX I live there in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX since XX/XX/XXXX to XX/XX/XXXX creating an Injury to my Credit Report and My Credit Score under FCRA sect. 604 ( A ) ( 3 ) in the hopes of keeping Negative Information in the Credit Bureau Longer under FCRA sect 605 ( c ) running of the reporting period.
03/29/2017	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web
This is a complaint from XXXX XXXX against Collection Bureau of America ( CBA ) for CBA 's failure to provide requested information for the debt alleged. On XX/XX/2017 consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/2017 CBA sent a letter including the statements from the original creditor, XXXX. On XX/XX/2017, consumer sent another letter requesting the chain of title or proof of ownership for the debt alleged. On XX/XX/2017, CBA sent another letter claiming that they have no obligation to provide such information, and again, sent the statements. There was also a discrepancy in the billing amounts -- The billing statements provided add up to {$310.00}, but the debt alleged by CBA is {$470.00}. The extra charges are for " accrued interest '' ( {$61.00} ) and " Collection cost Owed '' ( {$68.00} ). Neither of these amounts were " expressly authorized by the agreement or authorized by law. '' CBA has not provided any documentation which shows that these charges are valid. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80127	Web
ON XX/XX/2022, I completed a payment with XXXX XXXX XXXX XXXX XXXX \| XXXX XXXX XXXX, located in XXXX XXXX, CA, which manages an app that provides debt relief services. I paid XXXX, {$190.00} to close a collection account to COLLECTION BUREAU OF AMERICA with the original amount of {$300.00}. This account was supposed to be a PAY TO DELETE agreement which I made with debt specialist, XXXX. Let me make this clear, this was never my account in the first place, but in order to make a vehicle purchase, it was clear to me that I needed to pay this balance off since I was never able to get it removed. XXXX received the payment from me on XX/XX/2022 and never paid the collection company off. This is also reflecting another account for another account I paid XXXX to remedy also, and have them delete from my credit reports, which XXXX also failed to pay and they collected my funds without ever paying off the balance as well. COLLECTION BUREAU OF AMERICA XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \| XXXX XXXX XXXX XXXX : XXXX \| XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ) XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX. ACCOUNT BALANCE : {$300.00} NEGOTIATED AMOUNT WITH XXXX : {$190.00} ( one time payment ) ADDITIONAL NOTES : Account was agreed to be paid for at negotiated amount with a pay to delete I wish for XXXX to pay the account off as agreed to, I wish for COLLECTION BUREAU OF AMERICA to delete this account as it was agreed to by XXXX in our PAY TO DELETE agreement, and I wish for any additional fines as regarded in Federal Consumer Laws, Colorado State Laws, and California State Laws to be applied to XXXX and for me to obtain those funds for violations which XXXX made against me.
07/19/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75159	Web
On XX/XX/2018, I retrieved a copy of my credit report and immediately noted that Collection Bureau of America had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to do so that would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, on XX/XX/2018, I communicated in writing ( see attached ), my dispute to this company. It is wholly against the law for a company to insert an entry on my credit report without giving me the opportunity dispute the allegation. Collection Bureau of America, responded to my dispute in their letter dated XX/XX/2018 ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. As such, being in receipt and providing the requested documentation was to no avail. Collection Bureau did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Texas. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. Collection Bureau of America ( CBA ) blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and CBA should remunerate me for the violations.
04/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95116	Web
I have tried many times to have this company remove me from their list. Apparently they are a collection company and I have told them I am not the person they are trying to reach and requested they remove me from their list. A few times the representative on the other end will say ok I will have you removed. More often than not, however, the person on the other end will just hang up on me since I am not the person they intended to reach. For example. this morning I missed a call from them. I returned the call to the number in my caller ID, someone on the other end answered and I told them I was returning the call because I missed it. The representative then asked did someone talk to you. I stated no no one talked to me ; I just missed the call and returned the called to the number in my caller ID. The representative then hung up on me. So, I called back. This time I got the name of the representative, XXXX. I asked XXXX for a Manager. She asked if I was the person they were calling for ( but she asked me using that persons name ) and I said no. I gave her my name. I asked again for the Manager. She then wanted me to give her my phone number. I told her she has my number, I just want to speak to a Manager. I informed her that I have spoken to many representatives and been hung up on by many representatives about them harassing me and I 'm tired of it. I want to only speak with a Manager. She offered to transfer me to a Manager 's voice mail. I told her I wanted to speak to a Manager because I wanted the matter addressed and resolved right away. We went back and forth for a bit until finally she hung up on me and I never got to speak to a Manager nor did I get transferred to a Manager 's voice mail.
01/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91406	Web
On XX/XX/XXXX I reached out to XXXX XXXX ( original debtor ) XXXX XXXX XXXX XXXX XXXX to ask why they sold a collection agency my information. They confirmed with me that the account at one point did go to collection due to an unreturned water cooler. They confirmed that the both the water cooler was rec ' and remaining balance was paid. The representative at XXXX waters said they would reach out to Credit bureaus of America and have them remove it. On XX/XX/XXXX XXXX confirmed that the information was sent to remove the collection account. On this same day I called CBA and spoke to XXXX XXXX. She advised that she will call and confirm the if that is true with XXXX XXXX. On XX/XX/XXXX I called and followed up with her she advised that the reason she had not called me back was due to XXXX XXXX not responding to her request to validate the debt owed. This was the last time I spoked to XXXX XXXX and as of today the collection account has not been removed. I have left numerous amounts of messages in the last 10 months for XXXX XXXX and she refuses to take my call or return them. Per CFPB guidelines if a dispute is submitted and they do not respond within 30 days, the debt is required to be removed. Collection Bureaus of America is not following those guidelines. I attempted to call them again today, spoke to a very rude and threatening man by the name of XXXX, he attempted to transfer me to XXXX XXXX and XXXX ( Lindas supervisor ) and as always, they are never available. I asked him to look into the matter and review the notes as I have been verbally and electronically disputing this account. Instead of helping me XXXX decided to hang up on me in the middle of my sentence.
01/24/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32003	Web	Servicemember
In XXXX XXXX XXXXXXXX I disputed a collection notice received from Collection Bureau of America. The dispute was over XXXX XXXXXXXX XXXX delivery/services in XXXX that were not as advertised and I refused to accept the delivery. The original date of purchase listed was XX/XX/XXXX ( listed as XXXX XXXX Complaint in attached ). Since then I have received repeated notices stating that I owe different amounts, citing different addresses and different companies ( XXXXXXXX XXXX XXXX XXXX XXXX ). I also disputed this with the credit bureaus ( listed as Credit Letter Dispute in the attached ), however I have yet to receive a copy of an agreement or contract with my physical signature on it to prove that the debt is mine. I also don't know what the charges are for as the breakdown is extremely vague in the most recent notice I received. Further, the most recent notice ( listed as XXXX XXXX XXXX dispute in the attached ) shows a new date of service ( XXXX vs. XXXX ) from the original and a different service address, plus a new account number. I believe that this information is being changed to make the debt more " current '' and keep it on my credit file and pressure me into paying a debt that is not mine. The trade line also lists Collection Bureau of America as an Attorney which is not accurate ( XXXX XXXX XXXX ). Lastly, the most recent notice cites a Florida service address beginning in XXXX and going through XXXX, however my husband is a XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX I was living in with him at his duty station in XXXX NJ. How could I have water service in Florida?
04/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92131	Web	Servicemember
In XXXX XXXX, I received a collection letter from Collection Bureau of America referencing a past due XXXX XXXX account in the amount of {$350.00}. The letter listed a service address in a city in which I had never lived ( XXXX, CA ), At the time I had been XXXX for 19 months and had not had a XXXX XXXX account since XX/XX/XXXX. I had never heard from XXXX XXXX prior to this, so this was clearly an administrative error or someone else 's account with the same name. I immediately disputed the letter in writing in a letter dated XX/XX/XXXX. In the letter, I pointed out that this was not my debt, explained how it could not be my debt, and requested that they provide me 1 ) the amount of the original debt ; 2 ) the name and address of the creditor to whom the debt is owed ; 3 ) verification of any judgment ; 4 ) proof that they are licensed to collect debt in California, and 5 ) proof of the last payment on the account. I received a second collection notice dated XX/XX/XXXX repeating the initial threat of collection, presumably prior to their receiving my letter of dispute. I then received a third letter dated XX/XX/XXXX acknowledging my dispute. At no point did the collection agency provide items XXXX, XXXX, or XXXX as I had requested, and I never heard from them again. On a recent XXXX credit report, I noticed that this collection was listed as negative information. It appears that Collections Bureau of America ignored my dispute and proceeded to post this erroneous information to the credit reporting agencies, damaging my credit rating despite the evidence that this was never my debt.
12/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	UT 84094	Web
XXXX XXXX, 2015 : I placed a call to XXXX and advised the customer service agent to cancel my account and arranged for the local delivery driver to retrieve all used 5-gallon water jugs from my residence the following Tuesday. Driver never came Tuesday. Driver came Wednesday and delivered MORE WATER jugs. Placed another call to XXXX advising them to come pick up the water jugs and stop delivering them and advised I would not be paying for the jugs they delivered without authorization. Once again, I was told the local delivery driver would come the following Tuesday and retrieve. Once again, I left the unused bottles and used bottles and storage mechanism out for XXXX to retrieve and once again, they never came. In XXXX 2015, the local Manager called me to advise he would send someone out to retrieve the jugs and storage mechanism. No one ever came and, as I had advised I was going to, I moved from that residence. I removed my debit card from my online account so XXXX XXXX XXXX could not continue to charge me a monthly fee ( this was a month-to-month agreement - no contracts involved ). I discovered today, after checking up on my credit report, that I have a collection against me from CBA Collection Bureau and the source of the debt is listed as XXXX. I do not owe XXXX ANY money, first. Second, XXXX NEVER attempted to contact me via phone, email, or written correspondence to disclose to me that they were attempted to collect this invalid debt. This collection needs to be removed from my credit report and this company should be fined heavily for their negligent practices.
01/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web
As stated prior to, this is not my account. I am not associated with the address or any of the information listed on that 'contract '. I need to be provided a physical copy of the original consumer signed contract with MY SIGNATURE ON IT. This is not my information. In addition, I am requesting to be provided these phone calls as well, because I've never spoken to this company nor have I received services from them. I am requesting all of this documentation which will serve me in compliance to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. I am again formally requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Nothing that you've shown me proves this account belongs to me! Where is my social security number on this alleged contract? Non existent! My social security # which is needed on any contract proving that it's connected to me, is not on this contract! This is not my account and I'm requesting that it be deleted from my credit report immediately. Thus far, they've sent me a paper with the name 'XXXX XXXX ' on it, no social security number connecting this account to me is on this alleged contract, it is not my signature and it's address is a location I've never resided at! Please delete this account immediately. In addition to this, I will like to be provided the phone calls they state they have according to their 'records ' of me admitting this account belongs to me. It does not! Thank you
08/22/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 452XX	Web
On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both XXXX and XXXX regarding collection bureau of America intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with CBOF on XX/XX/XXXX, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact CBOF can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!
07/22/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92308	Web
I did a dispute with XXXX on XX/XX/XXXX on a collection that was made by Collecion Bureau of America on XX/XX/XXXX Confirmation Number : XXXX.I explain to them that is was only XXXX at the time of the collection i was not XXXX yet and that was without my consent they did an investigation and and there conclusion on XX/XX/XXXX was that the account did belong to me. and they made changes on my credit report that my birthday is XX/XX/XXXX and my previous addresses when i lived at current address sence i was XXXX my birthday is XX/XX/XXXX This is what they sent me XX/XX/XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : STATUS DATE BALANCE DATE. If you have additional questions about this item please contact : Collecion Bureau of America, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX CBA Collection Bureau of Amer XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Personal Services Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$190.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$280.00} Last Payment Date Whose Account Individual Account
08/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34471	Web
To Whom it May Concern : Enclosed with this letter you will find from Collection Bureau of America : Initial collection letter Validation letter Response They provided this from when I disputed with the Consumer Financial Protection Bureau ( CFPB ) case # XXXX on XX/XX/XXXX. I am still disputing this as my debt. However, it has now been over 5 years from when this debt was owed which was originally from XX/XX/XXXX as I live in the State of Florida and its now past its statue of limitations. In fact, in the letter from Collection Bureau of America they clearly state at the top : ( 3 ) When collecting on a time-barred debt where the debt is past the date for obsolescence provided for in Section 605 ( a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ) : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. Per the law as I understand it, and as they have in fact stated themselves. This is past the 5 years in which they can collect, are not able to sue, and they will not report to any credit reporting agencies. Please have this debt completely removed from all of my credit reporting agencies as soon as possible. Please see attachments to this complaint which are : - drivers license - social security card - proof of mailing address - my letter about the claim - XXXX 's validation letter - XXXX 's response letter - XXXX 's initial debt letter XXXX XXXX
06/27/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33334	Web
OnXX/XX/2018 I was reviewing my credit report and noticed that CBA COLLECTION BUREA was reporting and account that is a result of fraud. Upon further review, I contacted the original creditor, XXXX XXXX XXXX XXXX XXXX, and they had the wrong address and their records their records did not match. I was informed that the account was sold to CBA COLLECTION BUREA and the was no longer their books that I had to contact CBA COLLECTION BUREA which I did. I first spoke to a XXXX. I notified him that I was calling because there's an fraudulent account being reported on my credit file. Upon him locating the file he proceeded to request a payment and how did I plan to pay for this debt, that they take credit cards. I was so upset that he totally disregarded the fact that I noticed him that this was a frauduant account. Thats when I requested to speak to a supervisor. I was transferred to a XXXX XXXX who gave me boilerplate information and was requesting a police report and proof of residence for the time of service. I asked her to red flag the account and to stop the collection attempts. She agreed to send me a ID Theft packet. My biggest concern with this collection company is that they are trying to collect and account that is not mine and the fact that they have reported a fraudulent account to my credit report which has affected my employment due to the fact that my job is credit sensitive. I concluded the call but did informed that I will be filling a complaint and a FTC report.
01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 74133	Web	Older American
In XXXX I started service with XXXX XXXX XXXX, their service was always an issue with delivery date and time. After a few bad service I decided to request a pick up of the equipment. To my surprise, I was told I had to bring the equipment to the warehouse location on XXXX at XXXX XXXX and if no one was there to take a photo of the equipment sitting at the door and forward to the person on duty. I did exactly that. I called later to make sure they had received their equipment and that was confirmed. Going forward in XX/XX/XXXX going over my credit, I see Collection Bureau Of America, Account number XXXXand called the number XXXX and spoke to XXXX, XX/XX/XXXX who was very rude, her voice tone was snappy. I explain to XXXX, the information reported was incorrect because I do not have a balance, there was a charge because of the equipment and the equipment was turned in that same day I spoke with a manager. I am disputing the charges of collection fee {$36.00}, NSF fee {$25.00}, {$100.00} ( that XXXX could not explain what this fee is ), late fee {$98.00}. Again XXXX was not able to explain these additional fees. I explained this was important to me because this is incorrect and I need this corrected. Since that date I have called 3 rimes to have this corrected and I have gotten absolutely nowhere. So I am reaching out for this to be corrected. I do not have a balance on this account, I only had to turn in the equipment, which I did do exactly that.
08/18/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77479	Web
On XX/XX/XXXX, " COLLECTION BUR OF AMERICA ( # XXXX ) - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX " Called and for a missed & valid payment of $ XXXX. told me it is in collections and if I pay in full, it will not negatively reflect in my credit report and made a false promise and provided me incorrect information. The original due amount came to collections on XX/XX/XXXX ( got from my credit report ). since it is paid in full, the collection item is reflected in the scoring model as a new item with a new updated date. ( FICO Score 8 model used by many financial institutions ). The scoring model is unfair to the consumers who have taken their responsibility of taking care of the payment in full. This raised further questions for me ( XXXX ) : 1. Why should the score be lowered when the collection item is paid in full? It makes sense when it is unpaid, penalizing on the score. 2. Why should the longevity of the paid collection item and unpaid collection item be treated the same? Is the risk not different between someone who took care of it and one who did not? Why can't items be removed when paid in full? 3. I found institutions using the same report and model and coming up with different scores? Why should it be inconsistent? 4. When Credit reports and Scores are sold as service to the institutions based on the consumer info ( my info ), why only credit reports are free and why not the scores?
12/14/2017	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 945XX	Web
In XXXX XXXX I received a notification from XXXX that an account was placed in collections. When I checked my credit report and saw XXXX XXXX XXXX XXXX, I immediately called them to inquire about the debt as I had not received anything in the mail and was not aware of it. When I spoke to their representative I was informed that the vendor was a XXXX XXXX and I tried to explain that I had spoken with XXXX XXXX several months earlier when I closed my account as I was going to move to a new address and no longer needed water delivery service. At that time I made a payment to XXXX but apparently, there was still a small amount due. I do n't remember the exact amount but I want to guess it was under {$80.00}. Again, I never received anything in the mail about this and the first I heard of this was through XXXX once it was already too late. I made a payment by phone to the collections rep and respectfully asked if this could be removed from my credit report as it negatively affected my credit score. The collection rep was very rude during this entire phone call and advised me that he was not sure if he could do that since he did not believe my story. I again expressed to him that this was not intentional on my part. I just checked my credit report again today and realized that this negative mark is still hurting my credit score. I would greatly appreciate it if this can be removed from my credit reports.
03/24/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA XXXXX	Web
My Bill is paid they cashed the check I asked them to stop harassing me. I am hoping you can stop this Constance harassment, from XXXX XXXX Collection Bureau of America . Last year I attempted to pay some bills that was on my credit report. I sent out several Satisfaction of Accord letters to creditors on my credit report. Two other companies accepted my offer, and one was returned. The first letter was to let to the creditors know that I would be sending them a payment within 15 days to settle an account on my credit report. If they rejected to let me know and, if they do not reject to expect a payment. Around the 15th day I sent them a " Satisfaction of Accord '' stating in the letter and on front and back of the XXXX also, in the memo section that if they cash this XXXX they are agreeing to the terms in the Satisfaction of Accord. Instead of XXXX returning the XXXX they cashed it with full knowledge of its purpose. And they continued to pursue me for the money. Copy attached of XXXX. I sent a letter to all three credit Bureau letting them know that this bill was paid with a Satisfaction of Accord alone with copies of the two letters and the XXXX, but they still allowed it to stay on my credit report. Please help me stop this Constance harassment and embracement that they are doing to me. I set up a payment arrangement and they accepted it and still coming after me for money.
10/20/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94550	Web
I received a notice on XX/XX/XXXX from Collection Bureau of America regarding a collection for {$140.00} with the creditor listed as " XXXX XXXX ''. I ended service with XXXX XXXX in XX/XX/XXXX and, to the best of my knowledge, my account was in good standing at the time I ended service. I contacted Collection Bureau of America via Telephone on XX/XX/XXXX and requested documentation to support the collection. The telephone representative told me they would send documentation within 20 days or they would remove the collection. I received no response. It came to my attention in XX/XX/XXXX that there was negative information regarding an outstanding collection on my credit report, so I contacted Collection Bureau of America in writing on XX/XX/XXXX requesting documentation to support this collection. I received a letter from Collection Bureau of America on XXXX including fraudulent documentation to support this debt. The fraudulent bill was dated XX/XX/XXXX, but it was sent to my current address ( we did n't even put an offer on this house until XX/XX/XXXX ). In addition, the amounts listed on the bill did not add up properly. The service period was listed as XX/XX/XXXX-XX/XX/XXXX ; however, the date of the charges was listed as 3/26/2015. The amount due was registered as over 120 days late ( even though the charges were dated AFTER the statement date ).
03/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94547	Web
In XXXX Collection Bureau of America ( CBA ) filed a delinquent XXXX XXXX XXXX XXXX against all credit bureaus on my credit. In the amount of {$600.00} that was owed to XXXX XXXX XXXX XXXX XXXX. Claiming that they were the owners of this collection as of XXXX. One of my question to them, were if you had this account for six years why haven't you I had any communication or correspondence from your company. The person could not answer the question, nor did he have a answer for my current address or phone number. However he stated they had been sending correspondence to XXXX XXXX XXXX a address I have never resided. I reached out to CBA informing them of that I have never lived at this property and-my identity had been stolen. I also requested a copy of this alleged bill. To date I have not received the alleged delinquent bill. It's very clear they have ignored The Fair Credit Reporting Act ( FCRA ) a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. If they do not removed the delinquent account from my credit reports I will take them to XXXX court. ( I was unaware of their attempts to reach, I contacted them once I saw the negative reporting.
03/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
Im really worried that COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. COLLECTION BUREAU OF AMERICA has committed infringement upon my consumers right to privacy. I, XXXX XXXX XXXX never granted consent to COLLECTION BUREAU OF AMERICA to contact me. COLLECTION BUREAU OF AMERICA has/ or purchased my private information without my consent. I never contracted with COLLECTION BUREAU OF AMERICA. COLLECTION BUREAU OF AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand COLLECTION BUREAU OF AMERICA to VALIDATE this alleged debt. PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. At this time I also asked for COLLECTION BUREAU OF AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77520	Web
I am disputing the collection in the amount of {$320.00} that was reported to my credit report. I had two delivery address with XXXX XXXX XXXX. After Hurricane Harvey, we moved out of our home and no longer needed the delivery service at our home. XXXX picked up our water cooler and remaining water bottles. After the equipment was picked up, I called XXXX several times because my auto draft was still being charged for the equipment at my home that had picked up and cancelled. After several months and calls into XXXX, I had a rep finally close out that account and stop the auto draft and credit my account for the over charge. At this time, I assumed every thing was complete. I received a collection letter in XXXX regarding a past due account. When I called them, I was told to send an explanation letter and they would get with XXXX to remove the collection. I received an update in XXXX showing this was placed on my credit reports for an unpaid collection. I have contacted the collection company, who states that they are still waiting on XXXX to respond to my inquiry. I have tried to contact XXXX directly, but they will not speak with me because the account was sold to collections. I have no idea what this charge if for, nor do I owe this amount. I currently still have an account with XXXX for our business account.
05/04/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85298	Web
I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ). Arizona state regulations require all debt collectors to send specific written documentation verifying the debt : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a res ponsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information corre ctly, violates the FDPCA and their Fair Credit Reporting Act.
02/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98632	Web	Older American
For about 1 year this company has been calling me when I have excellent ( over 800 ) credit rating. Early on I set my smartphone to block their calls from : XXXX yet it still leaves voice mails which say they are XXXX XXXX XXXX XXXX XXXX and leaving their XXXX number for me to call, which I have never done as that gives them the legal right to continue calling me ; however, they keep calling anyway. All my debt obligations are paid in full or the required monthly payment with no late charges and most are auto- paid. I am not overdue or behind on any payments & have been current for decades. Whatever reason they continue to harass me I believe are unfounded. They have called several times each month. I am not certain as to whether they call my home ph. # XXXX or my cell # XXXX as all my home ph. calls are transferred to my cell phone. Both of these phone numbers are unlisted, non-published and restricted. I figure if this company is really legitimate they can mail me a notice of the debt claim ; however, they never have. I have not been reporting their number previously as I didn't want to take the time to do so ; but would appreciate your help in getting them to stop calling and leaving messages when I believe they are unfounded. Thank you. XXXX XXXX
01/25/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93551	Web
This company has been reporting unverified and inaccurate information about me to the credit bureaus. I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
10/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	VA 20105	Web
I have contacted Collection Bureau of America via certified mail requesting validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore if Collection Bureau of America can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.
01/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37042	Web	Servicemember
XXXX XXXX in California has been on my report in collections for my refusal to pay charges that are not mine on a account I had with them when my husband and I where XXXX at XXXX XXXX. I had trouble with incorrect billing with them several times and decided to stop my services. The company picked up the equiptment and I thought all was good. Then I get a bill of charges that where still not correct for XXXX. I called them and they basicaly tried to extort money from me stating if I pay XXXX dollars for water usage they would remove the other charges that stated I never gave them the equiptment. I said absolutly not and filed a XXXX complaint. It was resolved yet the company still has been trying to collect for charges that where not valid I was called daily for years on my cell phone and told them I will not pay for charges that I did not make and gave them my attorneys number. I also never recieved anything by mail to prove any charges where valid or where or what they where trying to charge me for because the account was done with and paid and all items picked up. I have had this deleted from expirian yet it remains on the other XXXX major credit. I need to make sure the other XXXX will delete this as well
06/24/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37040	Web
Collection Bureau Of America/XXXX XXXX or XXXX has sent me to collections for a service I never started. I have disputed the account with the credit bureausXX/XX/XXXX and XX/XX/2019. I have requested documentation from XXXX XXXX proving the account to be mine because I have never had water service from them or any other bottled water company. The have not and will not send me any documentation. As well they notify one credit bureau that the account is valid but will not send them documentation proving the debt. This collection has caused me to place a fraud hold on my credit because I know I did not have an account with this company and they will not send me verification.XXXX XXXX just tells me to file a fraud report with the credit bureaus. I need documentation of the account to do so but again they have not provided me or the credit bureau anything. I have filed complaints with the better business bureau XX/XX/2019 as well to try to get this fixed with no results. As of today their response to the BBB is for me to file a fraud report. Again I need documentation from them to prove the account is mine in order for it to be legit fraud other wise it could be as simple as someone with a similar name.
01/06/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95377	Web
The water delivery service XXXX XXXX pure, is offered thru XXXX. I gave them the XXXX XXXX and set up auto pay. Some how the XXXX XXXX AKA XXXX had fraudulently billing by opening XXXX accounts with the account number XXXX and XXXX, and charging every month for many many months. As XXXX is such a reputable company, I allways pay the bill without going into details. This duplicate, fraudulent billing from the XXXX XXXX Ref XXXX went on for many months. One day, I realized and called XXXX XXXX as well as XXXX. They put all these duplicate charges in dispute. After this XXXX sent all those charges to collections, then A person from XXXX XXXX with the name XXXX XXXX called on XX/XX/XXXX at XXXX called me and said the account is cleared as of XX/XX/XXXX by XXXX. Now in XX/XX/XXXX, I realized that they informed the credit bureaus saying that I owed about {$160.00}. This dented by credit score so much, that I am having hard time getting home loans. I request you to call, intervene and do me the justice by calling Collection bureau of America number XXXX Id number XXXX. I would like you to deeply investigate into this matter as I do n't want these XXXX to defraud hapless, innocent customers like me.
01/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77006	Web
Had an account with XXXX XXXX for water delivery that I cancelled XX/XX/XXXX. I had filed for bankruptcy in XXXX and was approved. No mention of this debt was reported then. Now XX/XX/XXXX Collection Bureau of America has opened a collections on this same account. I have not received anything regarding what the {$550.00} is for, nor have I received any contact regarding this. All I get is continued notifications that my collections account balance has increased through my XXXX XXXX account. My collections account with CBoA is listed as open, for an account with a different company I closed 4 years prior. Why I would owe {$550.00} for the 2 jugs of water I used to get every 2 weeks is beyond me. I would at least like to know what it is for, why I have not been contacted, and how a balance on an account like this keeps going up and remains listed as open. CBoA should be able to provide an itemized list as to what the amount owed is for. It is not fair to ask someone to pay for something with nothing to show as to why. {$550.00} for water is already a red flag, that's ridiculous. If I owe an amount I want to pay it and have it settled, but let that amount be fair and itemized so I know why.
06/05/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 922XX	Web
COLLECTION BUREAU OF AMERICA ACCOUNT NO. XXXX is trying to collect for XXXX XXXX AKA XXXX XXXX XXXX XXXX .THE DEBT IS BASED ON FRAUD OF XXXX XXXX .In early 2015 I ordered XXXX XXXX at a local XXXX ; the service was sold to me at $ XXXX /mo.On the very 1st bill I discovered there were added surcharges and fees far in excess of the XXXX XXXX /mo. I h ad agreed to.I called the company, we tried to have a meeting of the minds ... but they insisted on staying their ground and overcharge me what I was sold..So I tol d them to come pick up their equipment..I do n't like being lied to when sold a service.We had 3 diff erent appointments at our home to pick up the equipment. XXXX was a no-show all 3 times and now they fraudulently bill me as if they are selling me their equipment as well, that XXXX WO N'T COME GET ! It is stil l sitting at my house. When I checked the Better Business Bureau It became obvious that this is a widespread financial fraud and that this is XXXX / XXXX pattern and practice to defraud holding the negative credit bureau reporting as leverage to extort monies not owed.THE DEBT APPEARS ON XXXX , XXXX AND XXXX
05/06/2017	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 91307	Web
Date reported : XXXX / XXXX / XXXX Original Creditor Name COLLECION BUREAU OF AMERICA Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$1100.00} Amount {$1400.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX I declined the Medical Transport a nd was not given the choice to deny. I repeatedly told this company that I did not want their service at that time. Again, they ignored me and transported me anyways. At the time of their service in XXXX , I was not of sound mind and was forced to proceed. I had my husband there and he could of transported me, but they did not listen to him nor me and proceeded to do as they please. My husband is a XXXX XXXX and XXXX and deals with this aspect every day and knows that they had no right to go against mine or his wishes. I would like to have this removed from my credit as I firmly believe that this was forced upon me without my consent while I was not of sound mind. XXXX XXXX
06/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33021	Web
On XX/XX/XXXX I pulled my credit file and found a negative account that was in collections listed. I immediately sent a debt validation letter to the company listed as reporting the debt ( Copy attached ) I also asked for them to send me copies of all records including the original contract with signatures, also a copy of the photo id that would of been provided when the account was originally set up. I have no recollection of ever setting this account up nor have I ever lived at the address that they have listed on the invoice copies that were sent to me in order to validate this debt was mine. I have attached all correspondences with the collection agency for review. As stated in all letters, I have no knowledge of this account, I don't own this account, I have never lived at the address listed on the invoices and I do not need to be harassed by the woman at the collection company, consistently insisting that this debt is mine, when she has yet to provide adequate proof to justify her claim. Not to mention, The statements that XXXX sent over ( collection company ) show that this debt would of defaulted in XXXX. In Florida that is past the statue of limitation
01/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89081	Web
On or about XX/XX/18 I was looking over my credit report and I noticed a collection from Collection Bureau of America ( CBA ), whom I have never had an account with. I sent CBA a debt validation letter on XX/XX/2018 and was signed for on XX/XX/18. CBA responded with copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was still reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to CBA that was received on XX/XX/18, informing them of the violation and asking them to remove the inaccurate information from my credit file. CBA responded with another demand for payment and that they would not send verification of the debt, but I never requested verification but validation for a debt that is not mines. As, of XX/XX/18 the debt has not been removed nor has it been marked disputed. I am requesting to have this inaccuracy removed from my credit report immediately.
12/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90803	Web
I enrolled in water delivery services through sparkellets beginning if this year after few months of having issues with wrong or missing deliveries and over charges I called to cancel the service also the machine not working properly I called in may to cancel and they said they will pick the machine ..my appatmement building had major construction so I had to be relocated to a dif apartment temporarily and I told them that they never picked up the machine unbenonce to me they sent the account to collection bureau of America and they want me to pay the machine and service I never received and asked to be discontinued I called sparkellets again they said its nit in their hand again ..and also I scheduled two additional pick up dates and they failed to pick up one was in XX/XX/XXXX and the other one in XXXX..its not fair that I had to deal with the consequences of incompetence and horrible customer service.. and now the collection agency is trying to force me to pay for something I never received and I opted out of. PS : the page is not letting me enter my last 4 digits of my social it's not working so I listed it under acct number which I dont have ( XXXX )
05/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45039	Web
I had XXXX XXXX owned by XXXX XXXX XXXX as a water delivery at my home in California. Over the course of several months, I was charged for extra bottles of water not delivered. I explained the situation multiple times to the route manager. They told me that they would get it addressed. Upon moving all the equipment was returned to them. Then I get a bill for almost XXXX I called and could not get anywhere. I filed a complaint with the CFPB and the matter suddenly was pulled from collections. I got a call from a manager in California. They looked into the matter and credited the account and I paid the final bill of {$190.00} to them via a USPS money order. Now today, I get a not ice from a collection company telling me that I owe almost {$300.00} still. I immediately contacted the collection company via email and provided them all of the previous correspondence in disputing the matter. Then I get an alert they have reported this to my credit. I called the manager of California at XXXX . He promised that he would get this handled and call me back. It 's been three weeks and no return phone call. I 've left several messages on his voice mail.
02/15/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
This company is fraudulently reporting onto my credit report. They sent me a contract with no information leading to me, just a paper that had my name on it. They stated they had phone calls according to their records of me admitting this was my debt, I've asked for these phone calls and they have not provided them. IN ADDITION, I AM REQUESTING ALL DOCUMENTATION THAT SHOWS MY SOCIAL SECURITY NUMBER WAS USED AND GIVEN TO YOU, THE AGENCY, AND THE ORIGINAL CREDITOR. Sending me a fraud affadavit is not the solution. How can I fill out a fraud packet and I don't have any proof of my social security number being used? you sent me a contract ( which I kept and am sending to the bureau 's as well as my state attorney general ) that did not have my social security number on there ... That being the case, how do you know it belongs to me? That could've been anybody! And it apparently was somebody else, I've never resided at the address listed nor have my number been what was on that contract! If what was shown to me previously is all you have I am demanding that it is deleted NOW! Where is the paperwork with my social security number?! There isn't any!
09/24/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 94062	Web
This collection company called CBA sent me to collection without the notice to dispute the validity of the debt. This is a medical bill from a XXXX that was supposed to be paid by XXXX. This was back in 2011, account # XXXX maybe they were sending the bills to my former address, I have been in a very difficult financial situation, I am on XXXX. I saw this collection in my credit record. My original amount was {$630.00}, I called them today to make a payment arrangement but a lady told me that I owe them {$870.00}, that is {$240.00} more than the original amount FOR A MEDICAL BILL, THE AMOUNT IT 'S GOING UP EVERY MONTHI do not know if this is legal because I have not seen that before. I suggest that this Bureau audits this collection agency without notice and find out if they are violating the law. I can make a payment for the original amount but they have to delete this collection from my credit record since I did not had the chance to dispute the debt, I was thinking that this procedure was paid by my Insurance, if I knew about this bill and my insurance did not wanted to pay, I could appeal at that time their decision and have them pay the bill
05/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92373	Web
Collection Bureau of America has damaged me. They've been NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. This was a medical deductible. I never got any notice. Then, I was told by CBA that the item would be deleted if I paid. I did and the account is still being reported. Account information below : Account number : XXXX Date Opened : XX/XX/2017 Original balance : {$100.00} Original creditor : XXXX XXXX I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failing to honor the deletion of the account after payment was made in full. Account has been re-aged. Negligence. Unfair business practices. have suffered several financial and emotional damages due to this account. I demand to get the trade line of this account removed from my records. I give you a deadline of 30 days to delete the account from my reports. Thank you.
11/12/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
XXXX XXXX XX/XX/1976 I have disputed this company CREDIT BUREAU OF AMERICA SEVERAL TIMES! Finally i got an update ( attached ) showing that they REMOVED the account from my credit file. Soon after I received a bill showing they are still ACTIVELY attempting to collect on this debt. AFTER VERIFICATION AND VALIDATION was not enough to keep the debt on my credit file I find it offensive and ILLEGAL that they are now attempting to collect from me again. Please see to it that this account is REMOVED from ALL THREE BUREAUS AND NEVER TO BE RE-INSERTED INTO MY CREDIT FILE AGAIN. NOT TO MENTION MY NAME IS NOT EVEN SPELLED CORRECTLY ON THIS FRAUDLENT ACCOUNT. I HAVE PLEADED WITH XXXX XXXX XXXX XXXX PROVIDING DOCUMENTS THAT I WAS NOT LIVING AT THE ADDRESS. THE MISSPELLING OF MY NAME SHOULD BE SOME INDICATION THAT I WAS NOT THE AUTHOR OF THIS ACCOUNT. I THEN DISPUTED WITH CREDIT BUREAU OF AMERICA AND PROVIDED THE SAME DOCUMENTATION. IF THIS ACCOUNT IS NOT REMOVED AND ALL COLLECTION EFFORTS CEASE AND DESIST I WILL HAVE NO OTHER OPTION BUT TO CONTACT THE ATTORNEY GENERAL ALONG WITH MY PERSONAL LAW ATTORNEY TO FILE A LAWSUIT.
04/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08016	Web
This company XXXX XXXX XXXX XXXX XXXX used to supply water to the office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I work, their services were terminated for non-performance. they did not deliver the water to the office they have been delivering the water bottles to the wrong business XXXX XXXX. However, because of erratic performance and resultant services termination, they wanted us to pay for all the services that were delivered at the wrong office. Because of the disagreements, they went ahead and took the account to collection. Not only that they reported it as personal debt on my credit which is an abuse of credit law 1. XXXX XXXX XXXX is a registered business entity and not the same as me 2. I Never personally guaranteed any services 3. Deliberately putting an incorrect reporting on my personal credit wrong and unlawful 4. I have called many times to make them correct this anomaly but they refused 5. I do not reside at this service and this purely a business place 6. u can not slam someones credit because you have access to it 7. I didn't enter into any personal agreement or contract with them
08/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94124	Web
This company sent me a collection letter on XX/XX/2018 regarding an alleged debt that I know nothing of. I responded within 14 days, requesting debt validation according to the FDCA to provide proof of identity used to open the alleged account as well as a signed contract bearing my signature showing obligation to pay. They responded on XX/XX/XXXX with a copy of a bill print out. I sent a 2nd request for debt validation since a copy of a bogus bill that is not mines does not constitute as debt validation under the FDCA. Again I requested proof of ID used to open such account and a signed contract bearing my signature, along with a copy of a judgment and proof that they are licensed to collect in California. Their response was that they sent the bill print out as validation. This company is violating my rights, threatening me and at this point, I'm considering it as continuous harassment. They failed to validate this debt, they fail to respond to the requests in my letters and they continue to break the law and violate the Fair Debt Collections Act. They need to cease collections and stop harassing me.
04/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92071	Web	Servicemember
I got an installment loan with a company that provides water dispensers at the beginning of the year XX/XX/XXXX, I believe I was supposed to get the first month free and then start receiving a bill for the dispenser.I got the dispenser from a stand that was setup inside XXXX supermarket, I contacted XXXX and they informed me that the company was separate from XXXX itself. I never received a bill from the water dispenser company and when I asked the delivery driver who drops the water off for info about the dispenser, I was told he would put in a request and I should receive a call from them. I never got a call and then because of my wife being in the XXXX we were relocated, and moved from that address in XX/XX/XXXX. I did not realize until a few months later that something was added to collections on my credit. I called the company who owns the loan now and tried to explain the situation and they just wanted me to pay for the loan. I don't even understand how the dollar amount of the loan got to where it is now when I was never given a breakdown or any information on what the loan total would be.
02/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90744	Web
Collection Bureau of America has been attempting to collect debt I do not owe. I have attempted to get information from them and they sent me statements that are not mine. There has no proof with a written, signed contract that I owe this debt. They are claiming that I owe them a debt when I have no signed contract with them. This is in violation to my right to privacy, which Collection Bureau Of America has violated 15 U.S.C 1681. Also furnishing information to Credit Reporting Agencies without my written permission-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681s-2. ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 6802-Obligations with respect to disclosures of personal information- I have never done business or owe debt to Collection Bureau of America and claiming that I owe debt 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES.
06/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 945XX	Web
I Would like to report this collection company that has damaged my credit for a very long time. I was a patient with ( Original creditor : XXXX XXXX XXXX XXXX She was my dentist. I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.
12/12/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92117	Web
On XXXX XXXX I called to cancel my XXXX home delivery. Since that date, I have called 10 times in an attempt to bring closure to this nightmare. I was told on 3 different dates to put my 4 bottles of water out for pick up. I was told XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Even the supervisor I spoke with XXXX XXXX XXXX on XXXX/XXXX/XXXX told me the bottles would be picked up. Today XXXX/XXXX/XXXX I was told by XXXX at Collection Bureau of America that no one picks up the bottles. You, the customer, have to drop them off. After being told by 4 different people on 4 different dates that the water would be picked up. On XXXX/XXXX/XXXX I spoke with a supervisor named XXXX. Per XXXX, I had a final bill balance of XXXX ( {$.00} ). He said he would email me on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX with the date the water bottles would be picked. I never heard from him. So, here we are 7 months later & my account has gone to a Collection Agency. Why? What are these charges for? I paid my final bill of {$29.00} On XXXX/XXXX/XXXX for delivery on XXXX/XXXX/XXXX of 3 - 3 gallons of water.
06/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94587	Web
I Would like to report this collection company that has damaged my credit for a very long time. I was a patient with ( Original creditor : XXXX XXXX XXXX ) She was my dentist. I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.
10/01/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95501	Web	Servicemember
The only person I have been able to or allowed to speak to is a woman named XXXX, back in XX/XX/XXXX I called to complain stating they are saying I owe them over {$4000.00} for a XXXX XXXX XXXX bill, when in fact the XXXX XXXX XXXX bill was showing only as {$2200.00} per the final bill. She stated on two separate occasions that she needed to get a final bill before speaking to me, both times she raised her voice stating that my " story '' was irrelevant. I said it is relevant when it's TWICE what they were showing I owed ( which really should be {$0.00} but I am working that out with XXXX XXXX XXXX directly as I didn't reside at the XXXX XXXX XXXX - which is a large portion of that bill, I only resided at XXXX XXXX XXXX for a short period of time which was less than {$300.00} in services ). Now this is negatively effecting my credit when Collection Bureau of America stated they WOULD NOT REPORT NEGATIVELY until they found out what the actual amount owing was. They didn't even give me a chance to resolve any discrepancies before reporting me negatively to the credit bureaus.
10/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 172XX	Web
Hi there, I am writing to express serious concerns I have. I was going through my email as I normally do each night and I noticed I received several emails from XXXX XXXX and XXXX stating I had a derogatory remark. I immediately went to verify if this was true and it looks like my credit score has dropped terribly. I am in the process of gathering information because I do not even know what credit was due nor was I ever notified. If I had simply been notified this would have been paid and prevented a time ago. At this point I have no idea who the creditor was or what was owed. I am extremely concerned and pretty upset. About a year ago I moved addresses and updated my drivers license so I would have expected any important mail to be sent to my current address. I have received nothing. Nothing stating any form of debt was owed. It is currently Friday at XXXX and I have not had any chance to call the collection agency and gather information. I am extremely sad from hearing this news. Please let me know what can be done and if there is anything I can possibly do to help.
02/14/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93551	Web
The company has failed to respond to the fact that they have failed to place the required " notice of dispute '' disclosure WITHIN the required 30-day period and did not furnish the credit bureaus with the required disclosure, WITHIN the period required by law. I have retained a COPY of their signature and DATE of receipt, as well as a TIME-STAMPED copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I demand DELETION of this derogatory account from my credit file ( s ) with any or all credit agencies ( XXXX, XXXX, XXXX ). As this company has violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now REMOVE the item they are currently reporting. Any other action ( or in-action ) on their behalf will result in a small claims action against their company.
09/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85306	Web
I recently began to check my credit reports when I discovered a charged off account from Collection Bureau OF America alleging that I owe {$260.00}. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collection Bureau of America responded to my validation request with an invoice alleging i owe a debt. They can not be allowed to simply invoice me an alleged I owe a debt. There is no agreement or anything produced as requested within my validation letter. Collection Bureau of America has not removed this trade line from my credit as requested. My request was submitted via certified mail with proof of delivery. This company continues to add damages with their violations of collection and credit reporting laws. I notified XXXX credit bureau of the dispute. Upon investigation the account was deleted. However, as of XXXX/XXXX/2015 the Collection Bureau of America is now reporting to XXXX credit bureau. They are also reporting a different amount stating that there is a debt of {$340.00}, and causing further damages.
05/18/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92101	Web
I had a debt with XXXX XXXX XXXX that was taken over by Collection Bureau of America. I was unaware of the debt and paid it immediatly upon learning of it from the Collection Bureau of America. This was in XX/XX/XXXX. As of XX/XX/XXXX, my debt was still showing open on my credit report, in turn hurting my credit rating and worthiness ( which is ridiculous for {$200.00} debt from 3 years ago ). I called and they said " oh thats a mistake, we will close it now and make sure it is removed ''. Well I find it abolsutely unacceptable that it took three years and me calling to report a paid off account as paid. This is literally people 's lives hanging in the balance. Whether it be for college, a home, a mode of transportation for work, credit worthiness has a direct impact on peoples lives and to make a " mistake '' over so many years that now will take more time to come off my credit is just WRONG. If collection agencies are given the right to have an impact on peoples credit score, they must be almost perfect and not make " mistakes '' that effect people so greatly.
10/18/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97701	Web
Dear CFPB, I am requiring your assistance in resolving a fraudulent attempt to collect a debt not owed. This letter is in no part, an admission of debt owed and may not be used against me at any point. I had an account with XXXX XXXX water services and cancelled service in or around XX/XX/2017. I was preparing for a move across the country in XX/XX/XXXX. I had already had plenty of water and told them to cancel billing upon making my last payment. I had them collect my water jugs before making my trek across the country in XX/XX/XXXX. I never received a letter outlining the reasoning for this collection of the debt nor a statement of it's validity. However, if I did receive such, my account records would reflect no debt ever existed. Since noticing this negative remark on my credit report, I've tried to resolve this matter with the collections company. I've received harassment and endless calls from various numbers. The nefarious manner in which these criminals have attempted to collect a debt not owed has been extremely suspect. Sincerely, XXXX XXXX
04/20/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43219	Web
I have a a unverified account from Collections Bureau Of America # XXXX . I had previously disputed this account. I have never done business wit h Collections Bureau Of America. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I reque st thatCollections Bureau Of America Provide verification o f the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Collections Bureau Of America Cease and Desist all further communications and collection acti ves and provide the verification of the purported debt.
07/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98003	Web
XXXX XXXX ( me ) had an account with Collection Bureau of America, XXXX XXXX. I paid the ENTIRE principle down two years ago, and they assured me that they would stop reporting. I get my credit reports two days ago and see they have been reporting a {$10.00} " late fee '' as unpaid principle. Let me repeat : I paid them the ENTIRE amount they requested. I have tried to work this out with them but their only solution, which is basically a Pay to Delete scheme, is that I pay the {$10.00} " late fee, '' and a {$7.00} credit processing fee. Neither of these fees existed when I paid the original principle which, to be honest, was difficult because it was over {$450.00}. I paid that at one time, there is no reason I would have left a {$10.00} remainder and it has been DESTROYING my credit. When I call, they hang up when I tell them they need to legally remove it. They are scamming me into paying a fee they made up. They told the principle debtor I XXXX XXXX XXXX in XXXX ( since I did ). This is illegal, immoral, and honestly it's gross.
11/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	SD 57401	Web
My name is XXXX XXXX XXXX Collection agency collect me payment. Because first time i open my credit report i saw collection there. I called collection company asked them what is goin on. They you have pill form charter communication which you did not pay. I told i only had service with one year ago and already paid to them every penny and even gave them back their equipment. They said it is yours if you pay now we remove just pay it. I gave my debit card number. After that i confused search more information i disputed my payment called them sent dispute to my bank. I asked them to validate. They sent me validation letter which is absolutely different person and different name with slightly similar to my name. Address of the service if different. i called them i explain everything they said you pay why yoy callingthey and they cutt of the phone. I can proof everything that they mistook me for someone else. As i was n't living there moved a year ago and never lived or had service the address of the service they provided.
10/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 339XX	Web
XXXX XXXX XXXX delivered bottle water to our home on XXXX in XXXX we then notified we would spend the winter months in XXXX XXXX so they transferred our account NO problem. We then relocated and notified them that we returned back to XXXX but this time they did not transfer they opened another account and left old address open. The driver went to old address called us and we had to re-iterate that we had already called and were back at our old address. XXXX XXXX. Onto used to Bill, call, etc.. finally just wanting them to stop with the bill they were adding there own charges I paid them all there charges thinking totally done they would go away they cashed check on XX/XX/XXXX but then started getting calls from collection bureau of America at XXXX XXXX XXXX, XXXX XXXX CA XXXX account number XXXX. 3 times they told me they would contact this water company I supplied my cashed check with complain. This credit company is saying that the day the water company cashed in on my money is the same day it was sent to them now I owe them.
01/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85704	Web
A couple of months ago I noticed that I had a negative collection item on my credit report in the amount of {$560.00}. I formally disputed this item through XXXX and requested proof of debt in writing to the reporting collection agency. After thoroughly reviewing the information today I realize that this was not a valid debt. I immediately contacted Collection Bureau of America ( XXXX ) and spoke to a collector who informed me that this bill was for sparkle its water. I explained to her that I have never had sparkle water and that this was not my debt. I also told her the address that she claims the water was being delivered to was a rental property of mine and was not my personal residence at the time. I made a request for proof of debt and was told essentially there was none. She then proceeded to tell me that proof of debt was not needed for this to be a valid debt and that this negative mark will remain on my personal credit. This is a direct violation of the FDCPA and hoping that you can help get this resolved.
09/16/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97402	Web
in XXXX XXXX I signed for water delivery with XXXX inside XXXX warehouse. XXXX delivered the cooler & water, pluged the cooler next day and smoke came out of it. placed it in my Garage, called XXXX for replacement with no luck. in XXXX their driver was passing by when I opened my Garage to leave for work, and ask me if I need more water, I said no, but you might be able to fix the issue with cooler. he plugged it in & fix the issue. few day later I received A bill even though my past bill was paid in full & I did not get any more water, because cooler was not working. I did ask them to come & pick the equipment, the driver came to my Garage without my knowledge & took the cooler. I did not get a credit for my empty bottles and also for the full bottle was with the cooler. XXXX gave my social to XXXX and together they send my file to a collection agency for {$65.00} dollars. collection is for using the cooler which did not work, also statement fee that XXXX kept sending to accumulate more charges.
08/08/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 432XX	Web
I have an unverified account from COLLECTION BUREAU OF AME. I had previously disputed this account. I have never done business with COLLECTION BUREAU OF AME. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that COLLECTION BUREAU OF AME provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COLLECTION BUREAU OF AME Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
10/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75248	Web
I received a letter in the mail from Collection Bureau of America dated XX/XX/2022. The letter was invoicing for a debt from XXXX XXXX XXXX, a service I have never engaged nor of which I have even heard. The letter is addressed to a differently spelled name and references a service address to a city in a state where I don't live and have never visited. The Collection Bureau of America has been unable to provide any verification. Further, when calling the original service, they acknowledged that there is no phone number, name, address or other evidence associating this to me. The Collection Bureau of America should get paid, by the correct debtor ; that person is not me. There is nothing that would tie this to me, yet I am impacted due to their faulty business practices. The address on service from the original purchase is owned by an organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that would be the ideal contact to start in order to find the debtor whom engaged this service.
09/17/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75035	Web
Collection Bureau of America did not send a notice of debt prior to placing it on my credit report XX/XX/XXXX. A collection account for the amount of XXXX was placed with the XXXX Credit Bureaus. Collection Bureau of America is attempting to collect a debt based on a XX/XX/XXXX invoice in which shows the equipment being charged off. However we returned the equipment to the original creditor in XXXX XXXX which is why we received the invoice XX/XX/XXXX which shows a XXXX ( {$0.00} ) balance which was sent by the original creditor Sparkleletts ( acct # XXXX ) XX/XX/XXXX. Collection Bureau of America refuses to remove the collection from my credit report even after I supplied my invoice from XX/XX/XXXX and I have been emailing the Representative XXXX to see what movement has been made to remove the collection. The CBA account number is XXXX. The are violating the credit reporting act by attempting to collect on a debt that has been paid. Collection Bureau of America is attempting to collect
07/25/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93551	Web	Servicemember
I was informed by The XXXX XXXX XXXX XXXXXXXX that I owed on a debt of around {$300.00}. I informed them that I did not owe the debt and shortly there after they listed the debt on my credit file in which i sent them a second letter notifiying them that I was not responsible for what they are claiming. I then informed them that I would like them to send me any documents that they have, showing that this is in fact my debt that they are reporting on my credit file. and requested written verification. they have to make sure i told them that they are reporting information accurately. and when they fail to make sure they have the correct person that they are reporting information on it damages the innocent, such as myself. I have given them more than 90 days to send me written documentation and they have failed to do so. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g SEC. 809 ( b ) I AM REQUESTING VALIDATION OF THE ACCOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS.
03/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94928	Web
I received a voicemail on XX/XX/XXXX from Collections Bureau of America in XXXX, CA stating that they were trying to collect a past due XXXX bill. I called them back the same day at ( XXXX ) XXXX ( XX/XX/XXXX ) and requested verification of the debt via email AND mail. I had not received either by XX/XX/XXXX, so I called again. The second representative I spoke to confirmed he saw notes in the file from my call on XX/XX/XXXX requesting the verification of debt and assured me I would have an email from them by the end of the day. It is now XX/XX/XXXX and I have no verification of the debt. To the best of my knowledge I have never missed a payment with XXXX - I last spoke to them in XX/XX/XXXX when I called to transfer my XXXX account to my ex when I moved out of his house and at that time I was not informed of any outstanding balance with the company. I also never received any notice that my account with them was delinquent. Therefore, I am skeptical of the legitimacy of this collection.
08/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45039	Web
Collection Bureau of America , Ltd. ( CBA ) is attempting to collect a debt on behalf of XXXX. In XXXX XXXX they sent a collection notice. The notice stated that I owed for water bottle delivery. I called them right after receiving the notice to dispute. Information was faxed as requested. Furthermore, I contacted XXXX directly. They picked up the cooler and was told that the account was going to be credited out. Fast forward 8 months later, Collection Bureau of America never advised of the dispute paperwork sent neither did XXXX. I get an alert from XXXX there is a negative trade line reported to my credit. I called them XXXX/XXXX/XXXX and they told me that they were collecting this debt still. When contacting them, they told me they mailed me a notice in XXXX XXXX. A dispute was faxed and discussed with their agent. No followup from them after this dispute was sent ever occurred. This is not a fair and in my eyes an illegal way of handling this matter.
05/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85224	Web
Originally filed a complaint ( XXXX ) against Collection Bureau of America regarding this account not being mine and that they need to cease reporting to my credit. I have filed a credit dispute indirectly through the XXXX and also directly via email. Collection Bureau of America responded to the original complaint advising this is not my account and they were going to delete the trade line. This has not happened and they are still reporting to my credit. They are impacting my credit score and are causing me issues well trying to refinance stuff for lower payments and APRs. This is disappointing that this company has been notified multiple times through multiple different channels that this not my account and yet they have failed to delete this my credit which is a violation of the law. Also they have admitted this is not my account and yet they continue to report. My name is not XXXX XXXX and I don't live at XXXX XXXX XXXX in XXXX.
05/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77006	Web
I tried reaching out to this company. They claim I owe a debt. I spoke with the original creditor and explained that I never got any bills, invoices or otherwise delivered to my home or email. I was never called regarding any missed payments. As a result, I have come to a resolution with original creditor. I never owed Collection Bureau of American any funds nor did I have a contractual obligation to this company. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation '' ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. It is illegal for your company to report a status, on my credit report, as paid when the payment was not made directly to your company. I would like the account to be removed.
07/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98003	Web
Collection Bureau of America working as XXXX XXXX had a {$10.00} " late fee '' added to my account XXXX. I paid that account, in full, on XXXX. The late fee they added, they have been reporting as late since XXXX. It has destroyed my credit. This is for account XXXX under XXXX XXXX, just in case CBA wants to say they " don't have my account '' like they tried to say earlier, when I told them they are extorting the {$10.00} payment as a Pay to Delete scheme. Funny. All of a sudden, they delete my account. But then, they will not tell me that ALL incorrect credit reporting will be removed going back to XXXX. This has been the single biggest negative mark on my credit and I have recorded all calls with them today. I will have no issues taking them to court and publishing the entire experience, including the initial extortion, online. And I will promote that page so it is viewed as much as possible.
05/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90020	Web
This complaint is for Collection Bureau of America. They are being negligent and unfair. I tried to fix this issue witht them in the past, but I have not been heared. I really hope to get a fair solution to this issue, because is overwhelming. Account information : Collection Bureau of America Account # XXXX/Date Opened on report : XX/XX/XXXX, XXXX/Balance $ XXXX/Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Back on XXXX, I sent to Collection Bureau of America a rquest for debt validation. As of today, they have failed to investigate the item, and also to mark the account as disputed. These are two serious violations under the California Credit Reporting Act. Also, they are reporting a wrong opening date. I am demanding a deletion letter for my records, and this item to be removed from my credit reports. Please send the attached documents to Collectin Bureau of America. Thank you.
05/01/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 906XX	Web
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX stating I owe {$370.00}. I decided to call the number on the letter XXXX and I had a lady answer and said her name really fast and told me she was recording the call. She asked how I wanted to pay the account. I told her I had questions as I dont recall owing {$370.00} to XXXX XXXX I asked her to verify name and social on account and she replied by saying that was not her job. She then asked me again how do you want to pay this debt of your and do you agree this your debt? I replied by asking her this account is not mine and to please verify my social security number and she became angry and said that was not her job to do so and hung up on my call. I contacted XXXX XXXX the original creditor according to the letter. I asked them to verify my account and they said they had no account under my ssn.
07/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 14612	Web	Older American
I received a parking ticket in XXXX ... .I paid the tickets that same day online... XX/XX/XXXX... ..then a month after that I received a bill for the ticket in the mail and I assumed now I was in a scam as they were just billed me for another fictitious ticket. I would like to forward all the payment information onto you so you can find out if there's a scam going on or if they never received payment or possibly accounted for in inappropriately. Paid ticket on XX/XX/XXXX ... {$50.00} XXXX on my XXXX Credit Card through XXXX XXXX ... .was then officially billed {$54.00} on XX/XX/XXXX with rate conversion. Paid XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( EXCHG RATE ) I sent back a response with this information and heard nothing for years, but now they have sent me XXXX or XXXX of these collection notices. Thank You, XXXX XXXX XXXX
05/03/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91741	Web
Collection Bureau of America : Hasn't given me the opportunity to dispute this debt nor did they validate debt within 30 days. This isn't my account I have asked for proper validation of debt, I have asked for signed contract or copy of my drivers license. This company sent me a document with an incorrect address for me. I live in the XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXX CA XXXX this company finally sends me a statement after I requested 3 times, a statement from the original creditor it hadn't had my correct address... I live in a XXXX XXXX XXXX with XXXX XXXX the address they had wasn't the XXXX XXXX which is my studio I live in I have spoken with collection reps from this company, they are rude and refused to listen and investigate this matter. They stated this account was opened in XXXX, I let the rep know my wallet was lost and all my cards were replaced
07/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75043	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Collection Bureau of America My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.
07/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91406	Web
I had a debt with XXXX XXXX XXXXXXXX on an overdrawn account. I have been in communication with the credit union and agreed with them to pay my account in full {$910.00}. I paid the full balance to the credit union in cash. I have a copy of my receipt and a copy of my paid in full letter showing the debt has been taken care of in full. The Collection Bureau of America is trying to collect more money out of me even though the issue was resolved with my credit union in full. They are refusing to remove the account off of my credit report which is currently detrimental during this pandemic. I can not receive the SBA loan with this on my report, hence why I made the arrangement to pay. Please help remove this. It isn't a credit card, or a loan it was an overdrawn account. Thank you for your time. I have attached my paid in full letter and my receipt of payment.
03/07/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 989XX	Web
This issue is related to a breach of contract for services not rendered by the merchant and a cancellation of those services under the contractual cancellation policy included in their agreement they refused to provide under the contract handwritten at XXXX XXXX in XXXX XXXX WA,XXXX as you can see in the contract attached it provided XXXX cases of bottled half liter size water every delivery and the documentation refers to see reverse for more info and the reverse page is not included. The company refused to honor the bottled case of water included in the contract but later said that was a promotion and sign on bonus one time only. Also you can see by the invoices provided that they never delivered those bottles of water. The cooler has been available for pick up for nearly 5 years at the same location and no one seems to want it.
05/08/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	LA 70461	Web
There is not an option to choose for what it is that I am filing this complaint about. I disputed this account twice and and when I called to remove the dispute verbiage on the account telling them I no longer dispueted the information, XXXX and XXXX removed the comments within 3 days, XXXX however, stated that because the company had placed the verbiage on this account that it could take up to 30 days to have this done and they recommended that I call the collection agency and request for them to remove the verbiage from my report. When I called them on XXXX at XXXX Central Standard time, I spoke with a lady named XXXX. I asked her what the procedure was to remove these comments, and she stated that unless I paid the debt, that the comments would remain on my credit until it was paid in full. i know that this is illegal.
08/07/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 756XX	Web	Servicemember
I am being fraudulently charged for a stolen water cooler by XXXX and Collection Bureau of America. The item in question was reported stolen when I learned it had not been collected by XXXX driver ( XX/XX/XXXX ) even thought I moved in XX/XX/XXXX. XXXX told me they would remove the charge ( XXXX was the representative 's name ) at the same time I reported the people who bought my home were illegally using our account. I provided proof that we had moved. I cancelled my account online, and left the cooler outside with our empty bottles the day we moved in XX/XX/XXXX. I disputed this with XXXX in XX/XX/XXXX and the response was simply that this account belongs to me. I should not be charged for an item that was stolen after we no longer owned or occupied the home and was left to be collected by XXXX with other items.
09/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95129	Web	Older American, Servicemember
XXXX is charging us for 4 days rent prior to the move in date for an apartment that we elected not to rent because : 1. Security deposit was tripled during the approval process 2. XXXX reneged on the use of our own washing machine ; the " XXXX '' cycle '' of our washer being critical to the health of our 7 month old, born 3 months premature, 89 days in intensive care, as of the move in date XXXX/XXXX/XXXX. 3.XXXX required certified checks for security deposit and XXXX months rent, ( impossible to procure prior until Monday, XXXX/XXXX/XXXX ) prior to move in. ( Holiday/Sunday ) 4. Approval to rental application not issued until XXXX/XXXX/XXXX. 5. Carpet cleaning scheduled XXXX/XXXX/XXXX. 6. Original move in date was to be XXXX/XXXX/XXXX per XXXX advertisement. Early move in was requested by us, not mandatory.
04/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75043	Web
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
08/28/2017	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43016	Web
I 've sent this company multiple letters ( certified ) asking for proof of validation of this dept. they refuse to respond with actual proof the dates of the letters are below. XXXX the dates are as follows letter sent onXX/XX/XXXX received by them : at XXXX am onXX/XX/XXXX in XXXX, CA XXXX letter sent XX/XX/XXXX received by them : XXXX am on XX/XX/XXXX in XXXX, CA XXXX. letter sentXX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX. XX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX **** I have asked multiple times for proof ( signature validation ) this is my debt.. I 'm running out of patience on this. and am considering filing a civil suit next if this does not work.. I have no idea who these people are or why they are ignoring my requests but its getting old..
09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94010	Web
I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted Credit Bureau of America - " CBA '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that CBA would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that CBA sticks to their word and requests the deletion of this collection from the three credit bureaus.
02/21/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 90046	Web
In XXXX CBA COLLECTION BUREA, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XXXX and it was removed from all the known agencies. In XXXX this year i have discovered that the item was reinserted to my XXXX credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. Sincerely, XXXX XXXX
03/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85323	Web
I am a victim of identity theft. The tradeline, which appears on my credit report from Collection Bureau of America/XXXX XXXXXXXX XXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$460.00} does not relate to any transaction ( XXXX ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX XXXX XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Collection Bureau of AmericaXXXX XXXX XXXX XXXX XXXX individually and have not received any reply back
08/06/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 945XX	Web
I received a letter today ( X/X/17 ) from Collection Bureau of America stating that I owe {$36.00}. It notes the Current Creditor as XXXX XXXX XXXX. The letter states that if I do not notify their office in writing within 30 days, they will assume the debt is valid. It then states that if I do not pay the debt within 30 days, they may submit a negative credit report to a reporting agency. It is signed XXXX XXXX, Debt Collector. I had never heard of XXXX XXXX XXXX before I received the letter. I 've certainly never had an account with them or owed them any money. After reading other consumers ' stories about Collection Bureau of America, I 've come to the conclusion that this is completely fraudulent. However, I am worried that they will submit a negative credit report like they said.
11/05/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98021	Web
I filed Chapter XXXX Bankruptcy on XX/XX/19. A meeting of the creditors was set and I attended that meeting on XX/XX/19 to which no creditors attended. My Chapter XXXX was successfully discharge on XX/XX/19. I checked with the clerks office to make sure the creditor was listed on the required documentation on XX/XX/19 and they were. So, I called this company twice since that date to get them to remove the said account from my credit report with XXXX and XXXX to which they agreed to do. Since then they have removed the balanced owed on XXXX but the collection account remains. On XXXX it still shows as being owed and the collection account is still on my report. I have submitted documentation to the credit reporting companies and have gotten little help with the dispute process.
09/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 15239	Web	Older American
I had cancelled bottled water service with XXXX. They said they would come by and pick up the water cooler and XXXX remaining empty bottle. They would send me a final bill. Within a month i received a collection notice from Collection Bureau Of America for {$340.00}. I called them and they said I needed to return the cooler and bottle and then pay the balance. They would not know the balance until I returned the items. I called XXXX to ask what happened and they do not have my information any more and I need to call the Collection company to find out where to return the items. I called the collection company again and they gave me an address but did have a phone number!. This is now showing on my credit report as a collection item when XXXX was supposed to pick up the items.
02/24/2019	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 19143	Web	Older American, Servicemember
I XXXX XXXX XXXX was never contacted by XXXX XXXX XXXX they took XXXX dollars of my things that were in storage 6 years ago never sent me anything for six years it just appeared on my credit report without calling me or to notify me by mail they have my phone number they be never sent me a bill or anything thing this could have been made wright if I new that they wanted money and the fact that they are big lieyers in what they are saying they took XXXX dollars such as a brand new dinette set a XXXX stereo system a 1 year leather living room set a XXXX inch flat screen TV and sold it never sending me a bill of sale they just stole my furniture and then want me to pay them 6 years later how can they try to collect something without notice and about now being 7years ago.
03/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92646	Web	Older American
After 3 months ( XXXX, XXXX & XX/XX/2021 ) of not getting service or any response to my numerous email requests I notified them via email and on my bill that I was no longer going to use them and asked them to pickup their 3 empties and reimburse me for them. In XXXX a XXXX supervisor by the name of XXXX ( ph XXXX ) finally stopped by and apologized for the lack of service and help requests and explained that the company had huge staff problems. I told him that I would no longer use them and gave him my 3 empties worth {$6.00} each. Since there were 3 XXXX said they would refund me {$18.00}. Not only did I not receive the {$18.00} but XXXX has continued to bill me for services not rendered. XXXX owes me {$18.00} plus interest.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72116	Web
I've recently been in contact via mail over the past two months with the major consumer reporting agencies and collection agencies due to my identity being stolen which resulted in fraudulent accounts being opened and reporting on my credit file. Since I've noticed an obvious or clear violation of the Fair Debt Collection Practice being committed by a company called the Collection Bureaus of America under section 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This account has not been updated as DISPUTED AND IS IMMEDIATE GROUNDS FOR REMOVAL UNDER THE FDCPA.
09/26/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85304	Web
On XXXX XXXX I sent a signed letter via certified mail offering to pay the full amount of XXXX as reported to all three major credit bureaus. My offer also states that the collection company would either remove the collection or change the status to pays as agreed. Collection Bureau of America did not respond in XXXX to 45 days or in a reasonable amount of time per the Fair Credit Reporting Act and collection was removed and no longer reporting. Collection Bureau of America did respond on XXXX XXXX, XXXX. Collection Bureau of Americas ' statement incorrectly states that I disputed collection and requested verification. As a reusult, the collection was reinserted and is reporting as a negative collection.
12/21/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93610	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
12/05/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93305	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
10/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21207	Web	Servicemember
I received a collection for a debt I did not owe. I called the agency in XX/XX/2023. On XX/XX/2023. I called the agency to dispute the debt and was told I didn't need to do anything further they would note it on the file. I contacted the original creditor and received confirmation the collection was an error and they would take care of it with the agency. On XX/XX/XXXX the agency put the collection on my credit report. I called and they requested the information from the original creditor be sent via email- I sent it and requested receipt confirmation which I have no received and they are not answering their phone or responding to me. This never should have been put on my credit report.
01/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85142	Web
I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX XXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$450.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted from XXXX XXXX XXXX XXXX XXXX and have not received any reply.
05/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78232	Web
Collections Bureau of America has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account.
11/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89148	Web
This complaint is regarding an inaccuracy on my credit report. I have sent Collection Bureau of A ( 2 ) certified letters requesting viable evidence bearing my signature that I owe this debt. They have ignored my request and failed to respond. They have also violated federal law, by not properly investigating my complaint with in the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. They have also failed to mark my credit report that this debt is being disputed by consumer which is another violation of the Federal Law. I believe they have acted in bad faith, and have not complied with the FTC ( see 15 USC 41, et seq. ),.
07/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web	Servicemember
I reviewed my credit report and found the Collection Bureau of America reported a collection to my XXXX credit report on behalf of the University Of The XXXXXXXX without properly notifying me at first. I requested validation and received a letter and a statement. They did not give me all of the information as required by federal law. I explained to the University of the XXXX many times that this debt should have been filed as an insurance claim through XXXX XXXX. I had insurance. I contacted XXXX XXXX and they informed me they never received a claim from this organization. I never received any letters as an attempt to collect a debt from the The Collection Bureau of America.
09/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OR 97229	Web
COLLECTION BUREAU OF AMERICA XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX. OPEN DATE XX/XX/2019 ORIGINAL AMOUNT XXXX In XX/XX/2019, I first learned that I have collection report from XXXX and XXXX. I have no idea of this medical bill / collection information at all. This collection comes from a company called COLLECTION BUREAU OF AMERICA. Therefore, I contacted COLLECTION BUREAU OF AMERICA through certified letter and requested ( received ) return receipt. The return receipt dated at XX/XX/2019. The letter I sent is debt validation letter. However, I never received any reply from COLLECTION BUREAU OF AMERICA.
07/28/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78213	Web
I have contacted CBA ( Collection Bureau of America ), multiple times via mail and telephone to inform them that I have never had an account with XXXX XXXX or given anyone permission to open an account in my name with this comapny. I have also disputed this information with XXXX, XXXX, and XXXX. I have sent them proof of my identity, proof of social security number and proof of my address and asked them to stop reporting this information on my credit reports as the account does not and never has belonged to me. I have asked both XXXX XXXX and CBA to provide a copy of the contract or credit agreement that I signed and to date have never received this information from them.
03/16/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20706	Web
The original company ( XXXX XXXX ) picked up the water cooler and the empty bottles that they were billing me for. I spoke with XXXX XXXX XXXX ( President and CEO ) of the company and he mentioned that he told the Collection Bureau of America ( CBA ) to close the account because the company had received everything back in its possession. XXXX XXXX whom I spoke with at CBA was very nasty and she refused to close this account even though XXXX XXXX requested it to be closed. She claimed she had not heard from the General Manager but he mentioned to me that he had spoken with her and the company can not bill me for equipment that had been returned and was in their possession.
01/27/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38115	Web
On XX/XX/XXXX I wrote to XXXX disputing a collection account I was unaware of and specifically asked for validation and verification of the account. I requested a certified copy of a written agreement or contract bearing my signature and that XXXX has a valid basis and/or authority to collect this dept in the state of Tennessee. The Collection Bureau of America responded on XX/XX/XXXX and failed to provide ANY of this information, but instead began further collection attempts and updated their claim on my credit file and refused to delete the information. I followed up with a second letter and as of the date of this complaint have received no further information.
11/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94122	Web
XXXX XXXX XXXX confirmed that a collections amount was placed on my credit report for energy charges that were accrued after I had vacated the unit. I had given XXXX XXXX XXXX advanced notice that my lease and energy commitments would be terminated effective XX/XX/15, and they confirmed that information would be noted on my account. However, I have just had a conversation with both XXXX XXXX XXXX and the collections agency in which they report that they have no file of me contacting XXXX XXXX XXXX to end my energy bill. I dispute that I am liable for any of the charges claimed, and am seeking a complete removal of this collections from my credit account.
01/23/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45011	Web
XXXX placed my previous electric account with Collection Bureau of America. The original placement amount was {$1200.00}. I 've made several payments further reducing the debt to {$710.00}. After review of the previous XXXX account statements. My final bill was not calculated correctly. As of today, I 've not been able to get anyone in the XXXX final bill unit to return my calls. The collection company is still pursuing the collection and now stating that even though I 'm under a payment agreement that this will still be reporting onto my credit. This is not fair business practices as I 've been on the phone with them every single time they have called.
08/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93455	Web
I receive many ( daily ) calls from all sorts of numbers all asking me to call XXXX. There are many complaints against this company called Collection Bureau of America found via a internet search of this phone number. They always leave a message. I do not have any debts that are in arrears. I own my home outright and all of my vehicles are paid off. I have not received any billing or notice that I have a debt outstanding. I believe these scammers are attempting to collect on a debt that has been paid. I will not respond to any phone solicitation in any matter. If this were related to a legitimate debt, they would have contacted me in writing.
06/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 95661	Web
I was told if I returned a XXXX water dispenser it would make my bill XXXX and take it off the credit report. After I did so the bill increased from XXXX to XXXX due to fees even though I never received a bill for these fees. After XXXX calls they told me to email the receipt and threatened me stating, " If you have an attitude I am going to smack you. '' a threat of physical harm. I was not allowed to talk to a supervisor and the email was not given. I had a XXXX XXXX. The amount credited was then XXXX, then XXXX and finally I owed XXXX with no explanation. XXXX staff admitted the threat was on a recording as was the original promise.
08/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 482XX	Web
XXXX Collection Bureau has violated my federally protected rights under the FDCPA. I never received a dispute notice before furnishing neither alleged debt to my consumer report. You are now on Notice to cease and desist all communications from me from all mediums including my consumer report for both alleged debt your office has. XXXX is also using my consumer report with Extortionate means to coerce and swindle me into an payment which is an violation of 18 U.S.C. 892. Any damages suffered from XXXX including but not limited to denial of credit, mental anguish, and emotional distress, will be billed to XXXX in an invoice via mail.
03/29/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92308	Web
XX/XX/2018 discovered an unknown collection acct on my credit from XXXX. Filed dispute. XX/XX/18 recieved collection notice from them in the amount of {$460.00} responded with notice on XX/XX/18 via fax. Further disputed alleged acct and requested specific records. XX/XX/18 XXXX responded with another letter they typed themselfs without supplying any proof from creditor. I have no contract, equipment nor do I owe any alleged amount as they claim. XXXX services will not speak to me. XX/XX/18 i sent XXXX another letter demanding removal of the inaccurate, unverifiable acct. Im incuring damages and drop in credit score. Please help me
05/13/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA XXXXX	Web	Older American
This is the second time they 've repeatedly called me after I sent them a " cease communication '' letter. The first time was from XXXX XXXX, through XXXX XXXX, 2012. On XXXX XXXX, 2012, I sent them a second " cease communication '' letter. I 'm not entirely sure when the calls started again ( I erased my Caller ID ) but since I erased my caller ID, I 've received five calls ( from XXXX XXXX through XXXX XXXX ). They do n't leave a message so today I called to ask them to stop calling. The woman who answered the phone was extremely rude. She told me name of her company but hung up on me the second time I asked for their address.
08/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93304	Web
I noticed a fraudulent activity on my credit report. There was a charge of {$490.00} for some drinking water delivery services for a company based in XXXX. The company in question is XXXX XXXX XXXX XXXX who indicated they provided these services to me but I have never hired their services nor had I ever got a delivery service. We have always purchased our drinking water at XXXX. I spoke with the collection agency " Collection Bureau of America '' because they are now trying to collect this fraudulent account. I never hired this service and it is clearly a fraudulent account that I want it removed from my credit report.
06/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 951XX	Web
The issue that I am having is that the company in question ( COLLECTION BUREAU OF AMERICA ) will not send me any formal validation of the debt, will not send me any formal letter in writing stating how much I owe or conditions and terms if I pay the debt. I want a formal agreement in writing that if I pay the debt, that it will be removed from my credit report and the representative at the company, XXXX XXXX has disagreed to do so, and told me this was not possible. First rule of doing these things is to always have everything in writing and they do not want to do so until AFTER the debt is paid, which is bad practice.
11/11/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32738	Web
I submitted a dispute with collection Bureau of America around XX/XX/XXXX in regards to a collection account which is not mine. The starting balance was XXXX and then they added a collection cost of XXXX so it is now reflecting a total balance of XXXX. With in the dispute I asked them to provide something with my signature showing that I signed for the services that I am in collection for. The sent me a bill and nothing more. I never had an account with the company that they are claiming I did and I moved out of the service address in XXXX and the invoice date is listed on XX/XX/XXXX way after I moved out of that home.
11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95608	Web
On XX/XX/2020, CBA Collection Bureau of America add a derogatory mark on my credit report peXX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Collection Bureau of America has violated my rights as a consumer and I requesting legal action to remove this account immediately.
10/14/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 641XX	Web
I have tried on numerous occassions to get Collection Bureau of America to remove the collection item that it has placed on my credit report with XXXX. I paid the balance in full in XXXX of 2019. They have since added the item as a collection account on my XXXX report and refuse to remove the item after they stated they would get it removed. In addition, I have written a total of 3 letters to the XXXX and have received no results as they are stating to me that this company has verified it as being valid. Please, pleasse, please help me get this removed as it has been and is still being detrimental to my credit.
06/16/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34471	Web
Consumer Finance, On review of my credit reports I found out I had a collection from CBA COLLECTION BUREAU OF AMER - Original creditor XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2017 in the amount of {$4400.00}. I have challenged this with the 3 credit bureaus as well as the original creditor and as well the collection agency- to prove this is my account and I owe this amount. I have yet to receive any proof. I have asked the 3 credit bureaus to remove from my credit reports and its still not done. This is not a valid debt I owe. I will attach the documents I have mailed everyone via certified mail.
11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11230	Web
On XXXX. XXXX, 2017, COLLECTION BUREAU OF A add a derogatory mark on my credit report per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COLLECTION BUREAU OF A has violated my rights as a consumer and I requesting legal action to remove this account immediately.
06/06/2018	No	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 919XX	Web
XX/XX/XXXX I called in to clarify about my account and I was hung up on multiple times. XXXX, XXXX, XXXX, are a few names that I came across. When asking to speak with a supervisor I was knowingly transferred to a voicemail multiple times. XXXX screamed on the phone. XXXX was rude and not very helpful. The tones in their voices were very disrespectful across the board. This was my first and last experience with this company. XX/XX/XXXX I attempted to call in 3 times regarding my account. The first two times I was hung up on and thr 3rd time I was placed on hold until the business closed for the day.
07/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT XXXXX	Web
I noticed this account on my credit report with XXXX XXXX XXXX XXXX. I have no idea what this is and how it ended up on my credit. I disputed this XXXX x to XXXX, XXXX, and XXXX. XXXX verified that this was not my account and that the company did not respond in time and they deleted it from my report. Well XXXX and XXXX keep coming back saying it is verified because my name matches what the company has on their automatic report. This is not valid proof of the debt and is violating my rights to continue to have this on my credit report when it is not my account and is not being accurately verified.
02/11/2017	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 182XX	Web
I contacted Collection Bureau of America who reported on my credit report i have an {$81.00} amount in collections. However when I called to speak to a representative at XXXX she advised me that the amount was {$100.00} and that {$26.00} was finance fees that had accrued on my account since 2013. I advised I had recently checked my credit report and it showed {$81.00}, so which is the correct balance. I paid the {$100.00} so I can get this account off my collection report, however I feel this is incorrect information. If the balance shows on my credit report as {$81.00} I should receive a refund.
08/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 117XX	Web
In XX/XX/2017, I contacted XXXX XXXX XXXX XXXX headquarters in XXXX, GA. I was told that we can not pay our bill because it has been sent to a collections company. Complaints : 1. XXXX XXXX XXXX XXXX did not provide me with electronic invoices. 2. XXXX XXXX XXXX XXXX refused to tell me how much I owed 3. XXXX XXXX XXXX XXXX refused to accept payment my May phone call. 4. Collection Bureau of America is offering to sell me a used water cooler at an inflated value. 5. Collection Bureau of America refuses to arrange a pickup of the water cooler owned by XXXX XXXX XXXX XXXX, their client.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90003	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
01/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75068	Web
I reached out to this debtor from a debt that was incurred back in XXXX of 2011. The operator was very kind, I spoke to someone named XXXX. The balance that was showing up was {$100.00} on all XXXX credit bureaus. Maya informed me that due to daily interest accrual on the account the balance was now at {$140.00}. She was not able to give me the original debt amount prior to their addition of daily interest and fees. This is almost a 50 % increase from what shows on my credit bureau, not to mention that I really do n't even know what the original debt amount was at this point.
08/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77494	Web
Earlier this year, COLLECTION BUREAU OF AMERICA reported a collection on my brother 's credit reports who never lived in XXXX Texas. He filed a complaint with CFPB ( XXXX ) against this company on XX/XX/2020. The company responded with a letter ( attached to this complaint ) and associated me with an address that I never lived at and reported Collection under my Social Security Number. I have attached a record of my student apartment 's lease payment where I lived for years. COLLECTION BUREAU OF AMERICA has a very poor reputations that can be seen on the internet.
12/20/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85248	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXXs.
11/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94530	Web
Collection Bureau of America Account number XXXX XX/XX/202XXXX XXXX XXXX XXXX and XXXX Contact info phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I pay for about less than XXXX dollars of Gas and Electricity monthly and I have XXXX and the reason that I have medical is because I have low income. Its impossible for me to have and live in XXXX apartment that I have to pay more than XXXX per month ( XXXX ). How I said before for XXXX, I am a victim of an XXXX XXXX. XXXXm submitting pictures of my bill of gas and electricity.
05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CT 060XX	Web
It was very unfortunate that the person on the call from Collection Bureau of America was very rude to the point that he did not listen to the details. I am sending the details again for the benefit of all stakeholders. XXXX XXXX was supposed to provide a credit of {$50.00} as part of first time discount when we started the services. Numerous calls and emails ( see the attached email communication ) did not result in any resolution. On top of it, they stopped the water supply since last XXXX months which has caused great inconvenience to my family.
09/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94546	Web
COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit reports because I have no knowledge of this account. I have contacted the collection agency and the credit bureaus. I am requesting that the item be removed immediately to correct my information. I feel that it is not appropriate that I disputed the information and XXXX is stating that they received sufficient information, which has not been shared with me. Where is a contract showing that I opened an account with them? My signature or any personal information?
08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32958	Web	Older American, Servicemember
Back ih 2014 A bottled water company did not deliver water and I called and canceled their service. They kept billing me I set up all my accounts on auto pay. I called the company and they refunded to my credit card. One year later they started to bill me for the service I never received and for the money they returned.I called the credit collection company and noticed them of my dispute. Another year passed and yesterday the filled everything again with the credit bureaus. Calling the credit collection company again accomplished nothing
07/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85388	Web
Received debt from collection bureau of america, stating i had a ticket from XXXX, I paid the full amount to not have any issues since I have good credit. Company refuses to email/fax or mail letter stating that bill was paid in full and account closed. Called company several times with a lie being told that they have email letter, but never receiving it, company took the money but wouldn't provided an proof stating that account is closed and paid. Attached letter from company with confirmation number showing that payment was made.
08/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90807	Web
I do not know what this debt from XX/XX/XXXX is. The current resident at my former address had several bills/debts in my name, that I did not sign for, authorize or approve. I recently found out that this may be one of them. The company is requesting I send them utility bills from XXXX ( which I do not have ) or a police report ( which I also do not have. ) I 've asked for a copy of the original executed contract/agreement for this service, so that I can see who signed for it, but the collection agency will not provide this to me.
01/16/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11365	Web
I have canceled the XXXX XXXX delivery service way back sometime in XXXX of 2016, returned all Equipment and Empty bottles and canceled service, not long after I was charged for Water delivery on a service I canceled and on top of that never received any water bottles in the first place. I called XXXX XXXX about this issue and the representative said that they will review with the field supervisor and give me a call back, months passed and no call back and the amount was sent to collection services and affected my credit score.
10/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92225	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
07/30/2019	No	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 94086	Web
Collection bureau of America ( CBA ) is aggressively attempting to collect debt for XXXX properties. I reached out to XXXX properties the original creditor and was told they did NOT have any past due account in my name and could not locate the record of selling this collection to CBA. Contacted CBA only to speak to very rude representatives who only want my ss # and banking info and did NOT listed to my concerns and statements. Several letters sent were ignored only to increase the number of calls for collections ...
09/20/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95206	Web
After reviewing my credit reports I noticed an unfamiliar item that was in collections negatively impacting my credit. On XX/XX/XXXX I sent a letter to the collection agency asking to not only validate the debt but provide the method of validation and they did not. I received a letter dated XX/XX/XXXX responding to my request, however the debt was not validated, the letter was a verification letter. The information I requested was not received. On XX/XX/XXXX I sent a second request asking to validate the debt.
11/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95340	Web
This is not my debt at all. I have never received to this day any paperwork, mail or phone calls about this debt owed to Collection bureau of XXXX, original creditor XXXX XXXX and XXXX. The account reports that it was opened XX/XX/2022. The amount owed is {$4000.00}. That's nearly impossible to use that much electricity in a little over a month for a suburban home. I have had the same phone number since XXXX of this year and never received any messages or phone calls about this debt. I have disputed the debt? When?
10/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11412	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
08/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 291XX	Web
In XX/XX/2019 I traveled to XXXX, one and a half years later I get traffic tickets from my trip. The only way to pay was to wire money to some strange account that I did not feel comfortable with. I received XXXX tickets for {$180.00} each, I told Collection Bureau of America I have no problem paying original amount. When I went on line to print and pay, it stated I owe {$1900.00}. When I called collection agency they did not see this amount owed, it is sketchy. I can send you pictures of documents.
04/07/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
The creditor CBA COLLECTION BUREAU OF AMERICA is still showing OPEN on my XXXX account, even though it was discharged in XXXX Bankruptcy. XXXX shows it as discharged in XXXX, but still OPEN, which is impossible. I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as XXXX report trade line shoing still OPEN. I have disputed this more than once through XXXX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.
11/25/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 95969	Web
I received an email from XXXX Customer Service. This is the company XXXX has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.
12/30/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NM 88001	Web
This debt collector calls me all the time and I explained to them I have health insurance and they need to try to collect the claim from them not send me to collections. They told me i was un insured I told them I have XXXX they went on and told me how would you like to take care of the debt and i told them my insurance would have to pay it and the person I was talking to said ok I will put down you dispute the debt and it will say that on your credit report and that was the end of the call.
06/07/2017	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 940XX	Web
Collection Bureau of America 1 ) continues to attempt to collect debt that was paid in full to the original creditor, and 2 ) refuses to expunge negative mark on my credit record. Original debt was in amount of {$550.00} for ambulance services, and was paid in full to the City of XXXX XXXX ( honored cheque attached. ) I spoke with XXXX @ Collection Bureau of America on XXXX XXXX 2017 , provided the evidence of payment, and no action has been taken on their part since.
05/17/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 197XX	Web	Servicemember
XXXX XXXX is attempting to collect funds from me for a delivery of water they never made. It was scheduled to be delivered but never was. This is not the first time the newer delivery driver failed to deliver to us and we were still charged. I know this for a fact because I have an HD video surveillance system. They assured me on three different phone calls that the bill would be corrected but it never was. Also they are trying to collect additional funds they are not owed for late fees.
02/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 20152	Web
An entry in my credit report is for {$69.00} reported by Collection Bureau of America, XXXX XXXX XXXX XXXX, XXXX, CA. I contacted them and talked to XXXX XXXX and informed her that they had the wrong information ( date of birth and ssn ) after talking XXXX, agent at the original creditor ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA ), who told me my date of birth did not match the patient on file. XXXX refused to give me any information about how I could prove my case and hung up on me.
03/28/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 346XX	Web
I pulled a copy of my credit report and noticed there was a collection from two companies that I was unfamiliar with so I disputed with the credit reporting agencies. They sent back their response as valid. I still wasn't familiar with the accounts so I sent a request to the companies directly and they have not responded and I mailed the request in XXXX. The first company is XXXX XXXX XXXX XXXX the other is XXXX XXXX XXXX. Again I have no idea what these two companies are collecting.
11/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web
COLLECTION BUREAU OF AMERICA has not responded to claim on # XXXX. They have not provided proper validation of the debt and they continue to report to the credit companies. COLLECTION BUREAU OF AMERICA is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
01/20/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	PA 189XX	Web
The debt collector is attempting to collect a debt thats already expired under Pennsylvania Statute of Limitations therefore in violation of the Fair Debt Collection Practices Act. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). The debt collector was advised but yet still continue to violate state and federal collection laws therefore should be fined to the full extent.
09/26/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39211	Web
I do n't have any account with XXXX XXXX XXXX XXXX XXXX However, I have received the bill every month since XXXX from the company. I have made complaint about this matter over the phone several times. They told me that understood and it was [ Fraud ] and fixed the issues. ( Last conversation with the company was XXXX/XXXX/XXXX ) Today ( XXXX/XXXX/XXXX ), I received [ COLLECTION LETTER ] from Collection Bureau of America ( XXXX ) and it said I owe {$84.00} the company.
07/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20706	Web
I paid my debt in full on XXXX XXXX, 2015, according to the balance they told me. I called them on XXXX/XXXX/2015 and asked them why they had left a message on my mothers answering machine ( my old number ) about a debt and someone told me to sign some paper and then hung up on me I received notification from a credit monitoring service they were still reporting an open collection balance of {$25.00}, as of XXXX/XXXX/2015. No one ever mentioned a {$25.00} balance.
09/29/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL XXXXX	Web
The Complaint that I have is with COLLECTION BUREAU OF AMERICA Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with COLLECTION BUREAU OF AMERICA I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. Please Help me.
12/27/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84401	Web
The number that calls ( XXXX ) says to call Collection Bureau of America at XXXX. It is a robo call that does not state whom they are trying to reach. I have had the number they are calling ( XXXX ) for less than a year. I think they are looking for whomever had the number previously. I called and they want me to leave them my name and number. I refuse until they tell me who they are looking for. I have had no debt since I paid off my mortgage in XXXX.
04/24/2017	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94603	Web
on XXXX XXXX a young lady by the name of XXXX called my phone and stated that she could call my phone whenever she liked for people i do n't know, i asked her not to call and she said it does n't matter i will be putting it on her report, and i said i do n't know XXXX XXXX and she say come on now yes you do, well it took me a while top figure out what company this was, so now i feel like she threaten someone she shouldn ' ; t have call
02/08/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95210	Web
I have contacted XXXX XXXX 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account NumberXXXX
12/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43123	Web
I told Collection Bureau of America that this was not my account and I was a victim of identity theft. They did not send me a collection notice in writing to my home address in XXXX where Ive resided since XXXX but instead apparently mailed it to the address where the THIEF that stole my identity resided. Theyre now reporting this derogatory information to the credit reporting agencies. Theyre BLATANTLY not following FCRA requirements.
04/26/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
CBA Violated/failed to respond per Texas finance 392.202. Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and CBA treated my request as FDCPA ( The Fair Debt Collection Practices Act ). Complaints, As of today XX/XX/19 CBA violated Texas Finance Code 392.202 1. CBA didn't provide the correct validation 2. Hasn't removed trade lines from all 3 credit bureau 's reports. Please see the attachment for proof.
04/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97045	Web
On XX/XX/XXXX - I returned a water cooler dispenser and was promised a {$200.00} credit by the collection agency Collection Bureau XXXX XXXX ( see email on XX/XX/XXXX ) if it was returned. XXXX XXXX ( XXXX ) who owned the equipment and was the original creditor picked it up I have sent emails to XXXX XXXX and then they tell me to contact to Collection Agency. I am getting the run-around and have yet to see the credit promised
06/28/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89147	Web
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX XXXX XXXXXXXX. I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
06/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91741	Web
This company is calling in an abusive manner. They are calling 10-12 times a day and XXXX times in a row. They've been asked to stop calling. I was told that they are collecting a debt from XXXX. I called XXXX and they confirmed that not only do I not owe any debt, that all my accounts from previous addresses have a {$0.00} balance. These constant, abusive calls must end before I file a complain in XXXX XXXX civil court.
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 920XX	Web
I have a loan with COLLECTION BUREAU OF A ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, COLLECTION BUREAU OF A ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. with no successful resolution. There was definitely an error on their part.
09/22/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95670	Web
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
10/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 296XX	Web
Collection bureau of a Original creditor XXXX XXXX XXXX. Added to credit reports on XX/XX/2022. Showing collection for XXXX XXXX and XX/XX/2022. Total amount of {$470.00} added to collections. I have called company XXXX XXXXs because this isn't my account. They never call back. I have tried disputing and it's still on my reports. I never had an account with company and they won't remove it from my credit report.
08/21/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
I contacted Collection Bureau regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 XXXX XXXX has ignored my request despite it being 75 days since they got the letter. They have not proved this debt.
12/05/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92880	Web
Attempted to contact on XX/XX/XXXX to get information regarding original debt. I was told this was debt from another debt collection company and they didnt have that info. This was told to me by XXXX when I called Collection Bureaux of America. She stated that the date of credit was in XX/XX/2015. We looked back through all bills and we did not apply for any credit that would have gone unpaid or to collections.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32137	Web	Servicemember
In XX/XX/XXXX, I became aware of an old utility bill debt I had from XXXX. The debt was from XXXX XXXX XXXX XXXX XXXX and was being collected by the Collection Bureau of America. On XX/XX/XXXX, I paid Collection Bureau of America the full balance owed of {$1700.00} ( see attachment ). The agency agreed to completely delete the collections account when payment in full was made. I satisfied that on XX/XX/XXXX.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	CA 92084	Web
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
04/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27028	Web	Servicemember
CBA aka Collection Bureau of America is continuously refusing to send me proof of the debt they are claiming I owe and they have verified. I have now sent XXXX certified letters demanding proof of the debt. I stead they sent me a screenshot of their own data base titled Account Financial History. I have never signed any of this. I never agreed to do business with these people. It is clearly fraudulent.
05/12/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 19966	Web	Older American, Servicemember
Received debt notification for debt I don't owe. Threat of interest, late and other charges as well as credit reporting. Address and phone contact info is incorrect. Creditor is XXXX XXXX?????? This has to be just one more scam honest Americans are subjected to daily. Please help. Creditor No. XXXX, Collection Bureau of America. Internet search found this a disreputable company. XXXX XXXX XXXX XXXX
08/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30339	Web
collection company name is : collection bureau of america, XXXX XXXX XXXX XXXX, XXXX. CA XXXX tel : XXXX My account with them was paid off and they sent me a letter said it's {$0.00} balance since XX/XX/2020. but it still showed on my credit report. it's over 30 days, but it still how son my credit report. they are not willing to report to XXXX and XXXX to remove this record from my credit report.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91202	Web
I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.
11/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
XX/XX/2020 I sent a letter to Collection Bureau of America for validation of an alleged debt in the amount of {$2.00}, XXXX ( Please see attachment ). I never received a response nor anything notifying me of the debt. In addition, Collection Bureau of America failed to notify the Credit reporting Agencies that the account was being disputed by me as required under the Metro 2, and FCRA and FDCPA.
10/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60089	Web	Servicemember
I checked my credit rating and found that my credit number had decreased. It was reported that I have a debt in collection. I did not make this debt and I have no knowledge of it, nor do I have any account with this company. The collection agency is the following : CBA Collection Bureau of America The company placing the collection is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
07/25/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 604XX	Web
This account was paid in full. Since I questioned this account with the debt collector they have a totally new account number. I asked for the information to be sent to me multiple times and still have not received in information from the collection agency. I 've called in multiple times and their associates are rude and very obnoxious, when trying to get information to clear up the discrepancy.
01/20/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92223	Web	Servicemember
I used to have services with XXXXXXXX XXXXXXXX years ago and when I canceled my service they were supposed to send someone out to collect their water dispenser and never did. I have called and spoken with them many times and never had any help and now I have a debt in collections from them for {$570.00}. I would love to have it resolved and them get their merchandise and me not have this debt.
05/13/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	AZ 85204	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
08/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 986XX	Web
XXXX XXXX XXXX XXXX says that I owe {$140.00}, this company is a water service company and also goes by XXXX XXXX. XXXX XXXX XXXX XXXX directs you to XXXX XXXX website. I have already paid XXXX XXXX my debt of {$120.00}, I paid a different debt collection agency XXXX for this debt, I paid XXXX {$140.00} for their collection and processing fees. I also have receipts of these transactions.
05/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92065	Web
Looks like a zombie debt purchase. They are trying to collect for a subscription to a water service which we did not have, and certainly did not authorize at the time of the collection date. I requested proof of debt, I've never received it because the debt is older than what they state it is. I disputed the debt a long time ago ; they just rubber stamped it as valid without proof.
05/19/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91706	Web
I would like to file a complaint and dispute this charges on collection. I sent a written disputed letter since I am not aware of this company. But never received anything after filing a dispute for this charges on XXXX XXXX , XXXX which they indicated I have 30 days to dispute this charges. Please see attached for the dispute letter I have sent to this collection agency.
11/25/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92395	Web
Debt collector CBA collection bureaus ( original creditor XXXX XXXX XXXX XXXX XXXX ). Opened XXXX XXXX,2015 is trying to collect debt that is invalid. High balance {$140.00} ( balance {$170.00} ). The debt collector has illegally tried to collect debt thats invalid, theyve illegally inflated this debt and IF this is valid I havent received an original contract of my signature.
10/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 01854	Web
There is a debt in collections on my credit report since 2013 I have no idea what it is or what it's for but the amount goes up a dollar every 7 days that passes I have tried to dispute it but I've got nothing I really need this removed off my credit report it is really hurting ability to build my credit. The amount is XXXX since XX/XX/2013 I am really confused on what its for
11/28/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75252	Web	Older American
Hello. Been XXXX times calling to Collection Bureau of America., XXXX XXXXXXXX XXXX XXXXXXXX, to remove collection from me. .Have been billing from collection agency for amount of {$640.00}, I used to have Identity theft, some body been using my information provably, never been late on credit cards payments and loans. Please investigate and remove collection from my credit.
01/22/2017	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 95363	Web
This company is refusing to work with my other than over the phone. I have asked for emails or mail to be sent to my home for payment options. They are telling me that I have to call in. I am busy all day and attend meetings. I do not have time to call. It 's ridiculous that they would n't give me options. This is unfair as I am trying to resolve my account. Please help me.
05/10/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 20748	Web
I sent a cease and desist letter to the collection agency, Collection Bureau of America, asking them to stop all efforts to collect debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX . However, on X/X/17 , I got notice that a new collection account was on my credit reports with XXXX and XXXX and saw that those entries were from this collection agency.
09/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 900XX	Web
I did not enroll/subscribe for services provided XXXX XXXX XXXX XXXX XXXX XXXX According to the credit report in XXXX and XXXX the account was opened on XX/XX/2016. I don't recall signing up for their services. According to them, I owe {$460.00}. I never received any correspondence notifying me about the debt. I have tried contacting them but they are unresponsive.
10/22/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 78207	Web	Servicemember
According to the code 15 USC Code 1681, unfair credit reporting ACT CBA Collection, obtain a debt from XXXX XXXX the debt was paid, they took my clothes and Art work, they have the debt and the amount is paid, Remove debt or give my belongings back. Are you familiar with with something called 15 U.S.C S.E.C 1681i ( a ) .They debt was recently put on my account.
05/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95003	Web
XXXX is still reporting me a collection account that I have already settled and have proof of a " Deletion Letter '' directly from the collection agency. Please see the attached document as proof. XXXX is the only bureau that is not doing their due diligence in reporting accurate information. This collection account needs to be deleted asap from my credit!
01/05/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33033	Web
XXXX XXXX send me to collection. I have a contract with them for 2 bottle of 5 gallons very two week. They send me a bill for delivery of 5 bottle that I never receive. I ask for document of delivery with my signature but they never provide it to me. The amount was {$140.00} Opened XXXX XXXX, 2016. Name of collection company XXXX phone number ( XXXX ) XXXX.
04/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02840	Web
I received a collection notice for " XXXX XXXX '' which is my married name and my XXXX name, but I do not use it on any credit applications. The debt is {$180.00} plus {$17.00} interest. The holder is supposedly XXXX XXXX XXXX XXXX. This is not a valid debt. The collection agency ( Collection Bureau of America ) has failed to provide proof of the debt.
10/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33137	Web
I moved from this location 2 years ago and my partner s daughter took over the account ( XXXX XXXX ) they continued paying the bill. And equipment is still in their house under a new name. I called the company to set all this up.Called the collection company recently and they said they will remove the derogatory mark but did n't see it happen. Thank you
03/07/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 282XX	Web
CBA collection burea is illegally reporting on my credit reports a fraudulent account that they know is fraudulent. This company since XXXX of XXXX has been reporting that I owe some mysterious company {$840.00}. They have absolutely refused to provide ANY thing to verify this account. A copy of a fraudulent bill is NOT evidence of legitimate account.
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77053	Web
I have sent Collection Bureau of America several letters requesting validation of alleged debts they claim I owe. They in return, sent me a ledger history and have yet to provide documentation that bears my signature showing that I have entered into a contractual agreement with them. These derogatory comments are still reporting on my credit reports.
01/31/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92108	Web
For over 2 years I have had an account with XXXX XXXX XXXX XXXX XXXX. I have NEVER had an interruption of services, in fact, received a water delivery yesterday XX/XX/XXXX18 but Collection Bureau of America is collecting on this bogus debt and refuses to contact XXXX XXXX to resolve this issue. XX/XX/XXXX.18, I contacted both companies to no avail.
11/07/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70805	Web
I checked my credit report in XXXX 2017 and saw a debt from a collection company CBA for XXXX XXXX XXXX. I have never had a previous account with XXXX. I currently do have their water service. I sent CBA a certified letter asking them to validate the debt owed. They sent me a bill from the company. No contract with my signature or anything.
06/07/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66212	Web
i have sent 4 times by fax all of my fraud documentation, including proof of my account opened with the FTC fraud department. this company refuses to remove this account off my credit report. the refuse to send me the paperwork regarding this account, so i can file a police report. i can '' t purchase my home until this item is cleared.
09/09/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92503	Web
MY REPORT SHOWS TWO UNKNOWN ADDRESS THAT ARE LISTED AS MY PREVIOUS LEGAL RESIDENCE, ALSO A LIST OF MANY DIFFERENT LAST NAMES ARE ASSOCIATED NEXT TO MY NAME INCLUDING SOME ACCOUNTS WITH MY NAME MISSPELLED AND THREE COLLECTIONS I DONT RECALL HAVING ANY OPEN ACCOUNTS. PLEASE HELP CLEARING THE WRONG INFORMATION THAT IS AFFECTING MY CREDIT.
11/15/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95482	Web
I got letter in mail and email about the money I owe. I paid the amount by XXXX XXXX credit card the very day I received email. I requested calling their phone XXXX multiple times for the invoice of payment or some sort of receipt saying I paid the amount or collection amount. They always said I will email you but never happened.
01/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95670	Web	Older American, Servicemember
on XX/XX/2021, I called the debt collector to see the status. They said it was paid in full but still took XXXX more on XX/XX/2021. I tried XXXX XXXX XXXX but that failed twice. I have received any documents or correspondence from Collection Bureau of America. I feel that they did not tell the truth to XXXX They owe me XXXX.
09/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98310	Web
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94580	Web
I have sent several letters to the City of XXXX and Collection Bureau of America on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as of today they have not responded. After looking at the debit it was reported XXXX/XXXX/XXXX the statue of limitations has lapse. Please contact all credit bureaus to have removed from all reports.
03/29/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19002	Web
I wrote to Collection Bureau Ame on XX/XX/2020 regarding account # : Unknown for the amount of {$390.00}. COLLECTION BUREAU OF AMEXXXX XXXX has not responded to me at all. I is now over 30 days and they also have not sent me proper validation despite my formal request. I have attached the copy of my letter to them.
11/07/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93245	Web
On XX/XX/2019 I submitted a dispute to XXXX. ( for an error an account that I did not open. ) The collection agency ( C.B.A collection bureau of ameica ) denied my honest dispute. Saying i was the correct person that opend the account. which is false due to the fact I was XXXX in the california state XXXX system.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64130	Web
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
08/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20748	Web
I sent letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
01/13/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95691	Web
I have sent multiple emails to this address listed in this companies website. However I have had no response in trying to verify this debt. This debt has been paid and still no response that the debt was even owed to begin with. It is reporting with missing and in updated information on my credit report.
07/12/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85757	Web
I have a collections account for equipment I did not return. I have returned the equipment now and got all my receipts showing that my account was paid in full before it was closed the only thing I owed was the return of equipment and now they are still trying to charge me for the equipment I returned.
04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90804	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
07/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92503	Web
I am being charged {$720.00} for an old XXXX water delivery service. There should be no balance and they picked up the faulty equipment I had years ago. XXXX is a 7 year old account and this collection bureau of American is not offering to remove the collection from my credit report.
08/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85044	Web
Collection Bureau of America is reporting an incorrect amount. I have contacted them numerous times to pay the debt that is owed ; however, they want to charge additional fees and refuse to work with me to resolve the matter and remove the negative remarks from my credit profile.
12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92102	Web
Collection Bureaus of America was settled and XXXX {$230.00} Confirmation # XXXX XXXX said it would be fully removed from my credit reports in 30-60 days. It still hasn't been removed. I demand removal ASAP as it is impacting my credit scores and my ability to get my home loan.
11/30/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20011	Web
To Whom It May Concern : I have been billed repeatedly by the Collection Bureau of America after the water tank had been returned. The bill states that I owe over {$300.00} and interest continues to accrue. I need to have this bill settled and satisfied. Sincerely, XXXX XXXX
04/18/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92399	Web
Over the last year I have contacted Collection Bureau of America three different times via US Mail informing them that this debt was not mine and was a result of my identity theft. I provided them with copies of the police report number and FTC Identity Theft Report number.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94531	Web
I received a deletion letter from Collection Bureau of America in XX/XX/2023. In this letter, the company promised to send a submission to the credit bureaus to remove the account. But the account still appears on my credit report. Please see the attached removal letter.
10/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 395XX	Web
CBA Collections is attempting to collect on a debt that is not owed. The debt is also past the SOL in the State of Mississippi. Cease and Desist letter was sent and CBA Collections continues to contact me. I 'm filing a lawsuit in Small Claims Court against the Company.
05/15/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33015	Web
I Contacted this company who in fact could not locate this fraudulent account but continues to report it on my credit report. Which brings me back to the credit bureaus how are they validating these accounts if the creditor can't even locate you by your ssn
07/27/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94553	Web
I had a medical bill with Dr.XXXX XXXX and I was on payment plan, they closed the business and sent my balance to the collection Agency, now they want to change me with interest, I am willing to pay the balance, however they want to charge me extra.
06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95670	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
06/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95122	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
05/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84020	Web
Collection Bureau of A- XXXX - is reporting on my credit and attempting to collect a debt that I do not owe. I don't owe this nor have I ever signed anything or received anything and this looks like it is old and past the statute of limitation.
02/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94553	Web
There is a collections on my credit report from CBA Collection bereau of America in the amount of {$290.00} reported XX/XX/2019. I wasn't me, my social security number was used by someone else. I have tried to contact them without any response.
10/25/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93033	Web
I have submitted two letters to the credit bureaus asking them to verify a collection I found on my credit report that I do n't recognize and I have n't gotten any responses. I have no idea what this company is or why it 's on my credit report.
03/13/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30092	Web
I contacted this company and by phone explaining this information was false. I requested that they stop attempting to collect and asked them to close and completely remove this account from all 3 credit bureaus, deleted. They havent done it.
02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90049	Web
Hi thank you for taking the time to read my complaint. This collection company is reporting that I owe them money or have a contract with me. I do not owe them any money I'm not sure how they are able to report this on my credit report.
04/25/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33157	Web
I have tried to reach Collection Bureau of America to delete this debt of all my credit reports ( XXXX, XXXX, XXXX ) for the amount of {$610.00} Back in XXXX 0f 2020. Have not gotten a response or letter showing that my debt is valid.
08/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75219	Web
I am reaching out because I reached out for validation to this company that showing on my credit report. I reached out to them and they responded that they can not locate any account for me, yet they are still reporting to my file.
06/27/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
This Company Collection Bureau of America states i owe the {$170.00} on XXXX I have no signed contract with this company and no knowledge of this company and they trying to collect a debt i did not sign a contract with this company
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92234	Web
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
07/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84116	Web
CBA - XXXX is reporting on my credit for XXXX XXXX XXXX XXXX and I looked them up, I have never done business with them nor did I have an account. I have had mixed file issues with my name and this account is not mine.
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92324	Web
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.
12/17/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
This is XXXX XXXX water aka XXXX XXXX. I had been renting a water machine for 17 years and purchase it. I do not know what happen internally but they said I still old XXXX for the machine. paid off later attached
07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90813	Web
THIS COLLECTION ACCOUNT DOES NOT BELONG TO ME AND SHOULD BE DELETED FROM MY CONSUMER REPORT. THESE INQUIRES WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78664	Web
Collection Bureaus of America has this on my credit reports and is trying to collect for XXXX XXXX ( please see attached ). I never had an account with XXXX AND I NEVER lived at the service address listed!!
11/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95363	Web
Collection Bureau of America is charging me for an account that was already resolved. I have no idea what this bill is that they are sending me for {$420.00}. This is inaccurate and needs to be resolved.
07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75035	Web
Repeated calls from the number XXXX and XXXX. No voice mail left. When attempting to call back, automated response of " we can not transfer this call at this time. please call back at another time. ''
07/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77494	Web	Servicemember
I have just noticed a Collection on my credit report from this merchant for {$170.00} that I do not owe. Also, they have illegally obtained my Social Security Number and accessed my credit reports.
09/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95401	Web
On XX/XX/2018 a payment was made to XXXX in the amount of XXXX. They received the payment from my XXXX XXXX account and now claim to have never received it. Leaving the debit on my credit report.
02/12/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33612	Web
It in collections its not my account, they wont tell me what kind of an account .I told them back in 2013 I had identy thief, come to find out its no the original debtors the amount is XXXX
11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33161	Web
COLLECTION BUREAU OF A Original creditor : XXXX XXXX XXXX XXXX XXXX - Balance updated XX/XX/2019 This Account was Apid in full, yet it still shows on my credit report as in collections.
01/10/2017	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92672	Web
I do not know who this creditor is or why I would be in collections for it. I am afraid it might be identity fraud because My identity has been stolen in the past on multiple accounts.
08/26/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84047	Web
CBA Collection Bureau # XXXX is reporting a collection on my account that should no longer be there. This collection is past the statute in Utah and I no longer owe the debt.
07/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94588	Web
for reference id : XXXX i think i have paid XXXX before i closed the water account in water department of XXXX so i don't know why city of XXXX charge me same amount again
07/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94606	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
06/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98310	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
10/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91773	Web
I was checking my credit report, XX/XX/2023 and I realize I saw some accounts in collections on my report that are in accurate and out of date and still reporting...
06/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76227	Web
This was never a debt I paid my account in full and had them pick up the equipment when we moved. Now they have put me in collections for items I do not owe on.
02/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77469	Web
COLLECTION BUREAU OF A is claiming that I owe them {$760.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
03/16/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 94565	Web
I disputed via credit bureau 's in XXXX and with XXXX XXXX XXXX. XXXX, I have filed with XXXX again, with the DFPI Complaint XXXX - www.dfpi.ca.gov.
01/30/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77044	Web
I 've contacted company on several occassions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.
02/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX XXXXX	Web
Company has place a duplicate account on my credit report. They said it was a update, however, it is listed as a separate account on my credit file.
11/09/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN XXXXX	Web
XXXX XXXX XXXX XXXX SOLD MMY ACCOUNT THAT WAS LISTED ON THE FTC I.D . THEFT REPORT FROM XXXX IN VIOLATION OF THE DODD-FRANK ACT-XXXX.
06/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 970XX	Web
I paid this with a check sent multiple checks already to pay this and they still reported to my credit and sent me to collections
03/17/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 94565	Web
STOP COMMUNICATION AND SENDING COLLECTION BILLS IMMEDIATELY. I WANT NO FURTHER CORRESPONDENCE FROM COLLECTION BUREAU OF AMERICA.
05/28/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 701XX	Web
{$0.00} Collection Bureau of A. This account has been paid in full. Company has offered to removed. No result has been rendered
10/08/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NE 68111	Web
I have attempted to obtain validation of the debt the creditor is attempting to collect. The company has failed to respond.
01/18/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22042	Web
Debt of {$360.00} showing on my Equifax account for a water service that I do not have.
10/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94010	Web
Please forward the information to COLLECTION BUREAU OF AMERICA LTD.Thanks!
02/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46112	Web
This is wrong, unknown and I do not owe this. Please help
11/22/2017	No	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	CA XXXXX	Web	Servicemember
I want to get this fraud off my report
09/27/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90065	Web
Collection bureau XX/XX/ 2016 2016
01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85043	Web

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30106	Web

01/07/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77041	Web

12/27/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 60445	Web

12/24/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 95035	Web

12/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95219	Web	Servicemember

12/11/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 63389	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92867	Phone

11/29/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95377	Web

11/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95124	Web

11/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85382	Web

11/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90201	Web

11/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90201	Web

11/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27405	Web

10/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28605	Web

10/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94558	Web

10/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20716	Web

09/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95835	Web

09/26/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90015	Web

09/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 47403	Web

08/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94806	Web

08/10/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85252	Web

08/05/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SD	Web	Older American

06/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 90011	Web

05/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20903	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78641	Web	Servicemember

05/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94607	Web

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 95112	Web

04/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11211	Web

04/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07302	Web

04/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11211	Web

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55448	Web

03/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15003	Web

01/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95821	Web

12/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44094	Web

11/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95834	Web

11/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95835	Web	Servicemember

11/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08050	Phone

11/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92342	Web

10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	HI 96816	Web

10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36618	Web

08/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10011	Web

08/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92653	Web

07/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10467	Web

06/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78572	Phone	Older American

05/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60411	Web

04/16/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92595	Web

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30350	Web

03/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78641	Web

03/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95407	Phone

03/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90044	Postal mail

02/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93105	Web

02/26/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78260	Web	Servicemember

02/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32258	Referral

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93292	Web

01/16/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90723	Postal mail

01/15/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94607	Web

11/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NV 89148	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

10/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75165	Web

10/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98433	Web	Servicemember

09/22/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92647	Web

09/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 96022	Web

09/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 90505	Web

08/13/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

08/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75052	Web

07/20/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94605	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 96158	Web

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90040	Web

06/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91324	Web

06/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

06/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CT 06010	Web	Older American

06/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07042	Web

06/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90212	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32811	Web

05/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94602	Web

05/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27705	Web

04/24/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32246	Web

03/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone	Older American

03/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 12304	Web

03/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30087	Web

03/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91367	Web

02/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95124	Web

02/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27529	Web

01/26/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85340	Web

01/21/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95035	Web

01/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91601	Web	Servicemember

12/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid		Phone

12/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94619	Web	Servicemember

11/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90212	Web

11/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29832	Web

11/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90012	Web

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30080	Web

10/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78130	Web

10/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94545	Fax

10/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web

09/27/2020	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TN 38555	Web

09/22/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 91356	Web

09/02/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33463	Web

08/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Postal mail

08/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53218	Web

07/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95377	Web

07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98591	Web

07/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77051	Web

07/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60611	Web

07/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91387	Web

07/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90023	Web

06/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94509	Web

06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84128	Web

06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OR 97141	Web

06/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AL 35824	Web

06/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92882	Postal mail

06/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92880	Web

05/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94509	Web

04/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89052	Postal mail

04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07666	Web

04/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 40218	Fax

04/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85224	Web	Servicemember

03/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77433	Web

02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37919	Web

02/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89031	Web

02/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95110	Web

02/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web	Servicemember

12/04/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92324	Web

11/28/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92867	Web

10/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35671	Web

10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33837	Web	Servicemember

09/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76088	Web

09/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94520	Web	Servicemember

08/19/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30350	Web

08/14/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85202	Web

08/08/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30344	Web

08/02/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94520	Web

07/23/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70056	Web

07/19/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32713	Web

06/24/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92065	Web

06/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90048	Web

05/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70808	Web

05/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94803	Web

05/25/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95608	Web

05/13/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95608	Web

04/22/2019	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07724	Web

03/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92612	Web

03/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone	Servicemember

02/21/2019	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91364	Web

02/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07747	Phone

01/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web

12/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98433	Web	Servicemember

11/15/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95046	Web

10/26/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91387	Web	Servicemember

10/26/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85203	Web	Servicemember

09/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98499	Web

08/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

08/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85741	Web

07/26/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76015	Web

07/24/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92881	Web	Servicemember

07/18/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web

06/10/2018	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 94080	Web

04/26/2018	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85035	Postal mail

04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11552	Fax

04/09/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94065	Web

03/21/2018	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85140	Web

03/18/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60607	Web

02/15/2018	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30517	Web	Servicemember

02/09/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30012	Web

02/09/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

02/01/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75033	Web

01/20/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33980	Web

01/17/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90638	Referral

01/15/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92307	Web

01/13/2018	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33496	Web

01/10/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

01/05/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02121	Phone

01/04/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WA XXXXX	Web

12/15/2017	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 93010	Web

12/14/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33312	Web

12/14/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70501	Web

12/12/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90007	Web

12/06/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94066	Web

11/25/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92307	Web

11/07/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46229	Web	Older American

11/03/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OR 97222	Postal mail

11/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10112	Postal mail

10/11/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10301	Phone

09/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94583	Web

09/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94605	Web

09/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 95758	Web

09/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78258	Web	Servicemember

08/21/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92880	Web

08/20/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77584	Web

08/16/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10467	Postal mail

08/07/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

07/26/2017	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98203	Web

07/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48141	Web

07/05/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Web

06/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97006	Web

06/07/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95132	Web

06/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95046	Web

05/31/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92806	Web

05/10/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93722	Web

04/08/2017	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75137	Web

04/05/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27105	Web

04/02/2017	No	Credit reporting	Incorrect information on credit report Information is not mine	VT 05452	Web

03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89502	Referral

02/02/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85032	Web	Servicemember

01/25/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11355	Web

01/24/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94509	Web

01/20/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95126	Web

01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60641	Web

01/06/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90804	Web

12/16/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AL 36618	Web

11/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11565	Web

11/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76092	Web

11/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95133	Web

11/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30038	Web

09/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30054	Web

09/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37363	Phone

09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85044	Postal mail

08/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94619	Web

08/18/2016	No	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 94578	Web

07/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77016	Web

07/19/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91789	Referral

07/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95111	Postal mail

06/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94603	Web

06/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90706	Web

05/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94610	Web

05/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95033	Phone

05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 92555	Web

04/24/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94560	Web

04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94703	Referral

04/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 63019	Web

03/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90706	Web

02/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94062	Web

02/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11233	Referral

02/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91607	Web

01/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85251	Web

01/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 91740	Postal mail

12/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94536	Web

11/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91335	Web

11/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46205	Web	Older American

11/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91335	Web

11/04/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	IN 47025	Web

10/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45459	Referral

09/01/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NC 28501	Phone

08/21/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94109	Phone

08/13/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 93630	Phone

07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95355	Web

07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29650	Web

07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95135	Postal mail

06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95112	Web

06/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 81403	Web	Older American

06/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95815	Web

06/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 93551	Web

06/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11102	Web

03/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94585	Web

03/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 93534	Web

03/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 94110	Web

03/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 94134	Web

03/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92307	Web

03/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89148	Web

02/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60445	Web

02/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90731	Web

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60657	Web

02/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92386	Phone

02/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90003	Web	Servicemember

01/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46550	Web

01/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75287	Web

12/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37043	Web

12/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 94066	Web

11/19/2014	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	KY 40071	Web

11/14/2014	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	NV 89169	Web

11/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 70714	Web

11/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92336	Web

10/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92130	Web

10/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 45426	Web

10/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29307	Web

10/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TN 38462	Phone

10/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76028	Web

10/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94591	Web

10/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94542	Referral

09/30/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91325	Web

09/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90211	Referral

09/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21921	Web

09/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92220	Web	Older American

09/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91709	Web

08/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95311	Web	Servicemember

08/06/2014	Yes	Credit reporting	Incorrect information on credit report Account status	MO 65622	Referral

08/04/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MS 39212	Web	Servicemember

07/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 44144	Web

07/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92626	Web

07/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40291	Web

07/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 39828	Web	Servicemember

07/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 41005	Referral

06/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06450	Referral

06/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	ID 83616	Referral

06/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 95152	Web

05/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92555	Web

05/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94133	Web

05/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 40223	Web

05/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92592	Web

05/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55124	Web

04/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91901	Web

04/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TX 77407	Web

04/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 56482	Web

04/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28461	Referral

04/04/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	AR 72714	Web	Older American, Servicemember

03/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90069	Web

03/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 93536	Referral

03/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48207	Phone

03/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27106	Web

03/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92427	Referral

03/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 08520	Phone	Servicemember

03/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	WA 98512	Web

02/26/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 94087	Postal mail

02/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95132	Web

02/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60609	Web

02/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95126	Web

01/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90046	Web

01/21/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37641	Web

01/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94609	Referral

01/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85260	Web

01/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92618	Web

12/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92627	Web

12/23/2013	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	TN 37321	Web

12/04/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48221	Referral

11/14/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75202	Web

11/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MN 55124	Referral	Older American

10/22/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MD 20735	Web

09/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78041	Phone

09/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75043	Referral

09/24/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37072	Phone

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75033	Web	Servicemember

09/12/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94558	Web

09/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CA 94545	Web	Older American

08/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95355	Web

08/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 92131	Web

08/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75206	Web

07/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94124	Phone

07/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	AZ 85255	Web	Older American