The Bureaus, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ XXXXX	Web
CFPB - there is an attachment for The Bureaus Contact details. Attached as - Experian - TB Complaint .docx I am XXXX XXXX XXXX and I am the author of this dispute. This is NOT a Duplicate complaint, please do not flag it as such. This complaint is long, and detailed, with some technical details within it. Its also discoverable. All the companies within this complaint have an IT team, and developers that created/managed the integrations, built or maintain the systems or load the files from Data Furnishers. This information - is pulled from XXXX, and XXXX, with my PII data validated and ensured, for verification and for access to my own, Credit Reports. I am no longer willing to be the middle man. The Bureaus - is the Data Furnisher - and XXXX, is the CRA. The fix, can not be executed by me - it is, however both of your responsibilities. There is an existing complaint against The Bureaus ( TB ), and the complaint number is XXXX. That complaint - if read, is/was not as simple as a request of Validation of Debt, it was in detail, and specific to a complaint to The Bureaus ( TB ), and its compliance with Metro2, and its standards - and, then FCRA/FDCPA. A screen shot of the complaint is also attached as The Bureaus Orig Complaint. The Bureaus - failed to reply to all within this complaint. I have attached a screen shot of their response - as " TB - Orig Response '' I am pasting below, the responsibilities as a Data Furnisher - I am relying on - XXXX XXXX XXXX XXXXXXXX & XXXX For Federal Law - Definition of a Creditor and then a Debt Collector, I am relying on - 803 ( 4 ) and ( 6 ) XXXX XXXX XXXX THIS complaint is against The Bureaus ( Data Furnisher ) specifically - and, then XXXX ( CRA ) for this line item on my XXXX Report has created this dispute of both FACRA and FDCPA compliance, although there are more . It is not a Verification/Validation of Debt, please be so kind as to not treat as such. If in fact an attachment is needed to demonstrate any details I ask that you simply ensure your reporting accurately reflects it as only I can see the letter. The report as you know, is visible to all interested/qualified entities. If you can not resolve your issue please be so kind as to delete your record. I am also attaching the Metro2 specification with the Debt Collector section called out. ***The Header/Footer details in a Metro2, are not specific or keyed, on/to a consumer and are then n/a. See attached Metro2 DC Section and Do Not Send - Metro2. XXXX 1. Your reports, segment its details by Type of Information. 2. Pers Info >Names, Addresses>Year of Birth>Employers etc all the way down to Who To Contact and Consumer Rights 3. There is A single Header for Tradelines/Accounts/Records 4. Accounts 5. Here is your definition of items listed in this segment of a Consumer Report - Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 6. Here is another link from your site 7. XXXX XXXX XXXX 8. And attached as well As Understanding Your XXXX Credit Report - XXXX XXXX Definition of Sections 9. it says Accounts Accounts in a credit report include revolving credit accounts and installment loans. This information is reported to the credit bureaus by your creditors. Accounts in good standing reflect your creditors ' reports that you have satisfactorily met the terms of your agreements with them and all payments have been made on time. Lenders are not required to report account information to the credit reporting companies. Some lenders may choose to report to only one or two of the three major credit reporting companies ( XXXX, XXXX and XXXX ), and some choose not to report to any. Therefore, it is possible to have an account that does not appear on your credit report. This section may also include up to two years of your monthly balances on an account if it has been reported by your creditor. Here are some examples : 10. I have attached a screen shot of the fields/details/ expected results outlines in your site 11. They Are attached as Understanding - Accounts Ex 4 and with the same prefix 1-3. 12. I also looked at Collections. same url, same attachment as Above. 13. Attached as Understanding - Accounts Ex DC 2 and Understanding - Accounts Ex DC 1 14. That Section says Collections - When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores. Here 's how collection accounts will appear on your report : 15. I can Map Metro2 for a Collection account and to the fields you XXXX say are expected. 16. For Accounts -- - DC records, It becomes technical malpractice to map to an account, cause the entrance criteria to that door has allowed itself to be blown open 17. Its out of basic compliance with NORMAL Technical oversight even, SDLC when Experian allows this Data outside of what it demonstrated. 18. This Complaint specifically and for now, is about The Bureaus Inc. 19. They are Not Creditors ( definition is above ) 20. They are Debt Collectors. 21. How are they allowed to report, and from your Data as an Account and with your definition? And as a Creditor? 22. Does XXXX have a Section for Collections? 23. Because the Data from Metro2, is specific to their industry how are they then allowed to send, and then XXXX Publish attributes like Terms, Pay Histories, Rating, Balance Histories? 24. How are they ( and allot of others in this basket ) allowed to use values from Metro2 that are not specified for DC usage? 25. Your Definition of FICO Scoring is attached as XXXX - Fico Scoring. 26. It is understood that there are different models. 27. But the models are built based on DATA 28. It is visible where data is masked, or manipulated. Your tools display the issues and are in plain sight when you look. 29. Because this record from The Bureaus is allowed to exist in this state this is reporting itself in such an egregious way that it simply will destroy a consumer report even when it is paid off. 30. If I know you know, and this is systematic. The Bureaus 1. This is your record 2. You report it 3. You are aware of the expected results 4. And, the actual results 5. You are then compliant 6. You The Bureaus, dont have terms you are a debt collector 7. You dont have balance history you are a debt collector 8. You dont have rating or pay history you are a debt collector 9. You opened this account in XX/XX/XXXX XXXX. You then immediately reported a C Collection 11. And have been reporting it in Payment History for almost 4 years 12. Your FACRA/DOFD you are reporting is NOT accurate 13. Please accept this as our response to Ms. XXXX debt validation request for accounts ending in XXXX and XXXX. The account ending in XXXX was originally a Justice account underwritten by XXXX XXXX and previously serviced by XXXX XXXX, XXXX. and opened on XX/XX/XXXX. The last payment was made on XX/XX/XXXX in the amount of {$100.00}. The account charged off on XX/XX/XXXX in the amount of {$530.00}. 14. Metro2 file format has directions. 15. Even tells you what not to send - see attached " Do Not Send - Metro2. 16. Why are you sending it? Is this your expected result? 17. Can you fix your record? If its happening to me its happening to all and is systematic. This took me a while to figure out but, now I get it. I hope everyone else does/will get it too.
07/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07901	Web
Thank you, The Bureaus, for your response to complaint. This is a good faith complaint. When life happens - report it accurately. I rely on - the FTC - FCRA - FDCPA, and ECFR as a Data Furnisher. https : //www.ecfr.gov/cgi-bin/text-idx? node=pt16.1.660 & rgn=div5 I am XXXX XXXX, and I am the author of this complaint, and then the communicator of the issues and identified complaint specifics. No credit repair company involved. I just love the data. ****Your ( TB ) 's address of record, is incorrect on your documents. Any correspondence you would have sent would never, have been received. The actual address should and as the result of erroneous reporting be cleaned up, and accurate, as your data is captured and sent. You should report this information accurately. The CFPB complaints have/do provide you with accurate data - and even when the CRA does not, and because of your/data furnisher 's erroneous reporting. This is NOT a duplicate, please do not flag it as such. ( XXXX portion and response, remain open. ) The XXXX remains, and as such I request again not to send me/attach a letter but report your corrections accurately. Your changes on XX/XX/XXXX, and to XXXX - are then attached. Your Response thank you, is below. After reviewing all that was documented, it looks as if the question Ms. XXXX has is why can The Bureaus, Inc. report an account to the credit reporting agencies since it is not a creditor? The answer is simple. The Bureaus, Inc is the master servicer for Bureaus Investment Group Portfolio No. 15, LLC. The Bureaus, Inc ( TBI ) is the legal power of attorney for Bureaus Investment Group Portfolio No. 15, LLC. ( BIG 15 ) BIG 15 is the assignee of the account ending in XXXX and the account ending in XXXX. ( See the last page of each Binder1 ) As the assignee, XXXX XXXX stands in the shoes of the original creditor. Since XXXX XXXX is the current creditor and TBI is the legal power of attorney and master servicer, TBI can report these as accounts to the credit reporting agencies on the behalf of XXXX XXXX. As far as reconciling the TBI trade lines with both XXXX XXXX trade lines is concerned, we can not answer this for we have no control over XXXX XXXX trade lines. We have responded in good faith. Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. expressly denies. The Bureaus, Inc. also expressly reserves all of its rights and defenses in connection with Ms. XXXX inquiries and the account ending in XXXX and the account ending in XXXX. And Dear XXXX XXXX, We received your request for validation of the debt referenced above. Based on the records of our client, we are able to provide you with the following information : We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. Regards, ( XXXX ) XXXX This is not an attempt to collect a debt. Charge-off balance : {$530.00} Charge-off date : XX/XX/XXXX Last payment to assignee ( if any ) : Current balance due : {$530.00} Open Date : XX/XX/XXXX Date of first delinquency : XX/XX/XXXX Last payment prior to acquisition : XX/XX/XXXX If you ( The Bureaus ) are asserting, that you are an assignee, from CO please ensure that the account specifics, you were assigned, do not change. No change in contractual agreements with CO and, specific to/you/with this Tradeline ever occurred. 1. The CO account you claim/state in this complaint, was a Credit Card 2. You are not reporting that at XXXX 3. This was also a Revolving account 4. You are not reporting that to XXXX XXXX. I am unsure if you are assigned an account, that the DATE Opened and all of its activity - and when the OCG is ghost - then any applicable changes 6. But this part will be flushed out as part of this entire process 7. If it Is NOT you then become the owner of all of its history Based on what is supplied the following items are then in dispute and as defined as required : 1. You provided CO statement through to XX/XX/XXXX, please provide the statement to reflect the delta from XXXX balance due to what you are attempting to collect. 2. There is a balance discrepancy and what you supplied, does not match your reported balance. 3. Please provide from XX/XX/XXXX, and charge off status, or the balance becomes inaccurate. 4. As such I then dispute the Balance 5. Then the dates. 6. Your documents are helpful, thank you. 7. The Charge off date The Bureaus provided, XX/XX/XXXX 8. XXXX XXXX Letter with the date of ACQUISITION is XX/XX/XXXX XXXX. They do not reflect Assignment and specifically as well as respectfully - this account was already Charged off, by then. 10. Because you acquired this account after Charge off ( XXXX ) are you truly an Assignee/Factoring Company/Debt Buyer or a Debt Collector? 11. Your response was unclear, can you confirm which designation you are acting upon? Debt Buyer or Assignee? Then your- The Bureaus - reporting. Should you The Bureaus, believe you have a right to publish your record, and as a Credit Grantor to the CRAs, please ensure your reporting is accurate and complete, then across all of the CRAs? You are reporting as a Debt Collector - and a Creditor/Lender. Which one is accurate? 1. I can see your changes, reported on XX/XX/XXXX 2. The Before and After are traceable. 3. XXXX was in the original complaint, but I can See XXXX and XXXX as well. 4. You The Bureaus, are reporting as a Credit Grantor and a Debt Collector? 5. Which is accurate? 6. It Can not be both The Bureaus owns the expected results and be so kind as to confirm. 7. Metro2 compliance etc, have 1 solution not many. 8. If you proclaim you can report on XXXX or heck XXXX as a Credit Grantor, cool but, please then FIX your record, and for its duration, and based upon your OWN Data a. The Date of First Delinquency/FACRA Date is incorrect ( XXXX ) - It is hereby DISPUTED b. The Pay History is incorrect Is incomplete and inaccurate. c. The Balance History Is incomplete and inaccurate. d. Rating History Is incomplete and inaccurate. ( XXXX ) e. This was a Retail Credit Card and a Revolving Account f. You are not reporting either. g. No Contractual details and between me and anyone changed, when this account was from Charge off to assignee.
12/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33067	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 FederaXXXX 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. THE BUREAUS INC & BAL. {$480.00} 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 po box 4503 Iowa City, Iowa 52244
02/20/2022	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 Was not notified of investigation status or results	PA 19143	Web
Dispute Template for CFPB : 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 .THE BUREAUS XXXX Balance {$370.00} 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.
10/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11692	Web
I have previously sent you a request to validate my debt, for the following account numbers, on XX/XX/2021, XX/XX/2021, XX/XX/2021 : Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021. This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. '' Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state [ state ], does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
01/10/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 700XX	Web
First, this is a disclaimer to let you know I, XXXX XXXX, wrote this letter and not a credit repair company. I received a copy of my XXXX, XXXX and XXXX credit report, and noticed a collection that needed to be deleted. The item is as follows : THE BUREAUS, INC : XXXX Pursuant to the Fair Debt Collection Practices Act or XXXX XXXX XXXX, more specifically XXXX XXXX XXXX - Definitions, debt is defined as follows : ( XXXX ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. This is an ALLEGED debt that I do NOT owe. Pursuant to 15 USC 1692g, I have the right to verify a debt, and this is an ALLEGED debt that I do NOT owe, therefore : this INACCURATE information needs to be DELETED from all consumer reporting agencies. You had no permissible purpose by law to report this alleged debt and have violated 15 USC 1692g - Validation of debt because you failed to satisfy all 5 requirements, which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I am not requesting a statement of generalized accounting, as this would NOT be accurate because it is NOT an authenticated record. I am demanding a request for accounting, pursuant to the Uniform Commercial Code ( UCC ), which is recognized as commercial law. UCC Article 9-210 ( 2 ) is noted below. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. ( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ). ( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request. If your agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority. If you cant send me an actual ORIGINAL contract with my signature on it, you have no right furnishing this inaccurate information and not only have you violated my right to privacy, but youve violated various statutes of BOTH the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) simply by reporting this alleged debt. Im not sure if you know, but violations of these sections make you liable for at LEAST {$1000.00} per violation. Even if you satisfy all 5 requirements, I am the one that has the right to verify whether it is my debt or not and as I have previously stated this is an ALLEGED debt that I do NOT owe. I have sustained defamation of my character as a result of this information and am demanding you to delete the above accounts from my consumer report. Furthermore, I demand that you CEASE and DESIST all efforts to collect on this alleged debt and may only communicate with me further under the stipulations of sending me a letter with this alleged account deleted. As a reminder, your company agreed to abide by the rules set forth by the SEC : You have 14 days to respond upon receipt of this letter to delete the negative items and send me a new letter, notifying me that the information has been deleted from all consumer reporting agencies. CC : XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX
08/17/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19050	Web
The Bureaus INC is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave The Bureaus INC consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. The Bureaus INC Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( XXXX ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; The Bureaus INC has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; The Bureaus INC is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. The Bureaus INC has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt.The Bureaus INC is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 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. The Bureaus INC has provided false information to XXXX XXXX, & XXXX
04/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30501	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX THE BUREAUS INC / XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX RE : Collection account XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On November 12, 1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX
09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33415	Web	Servicemember
My name is XXXX XXXX and I am currently XXXX overseas with XXXX. I am writing this to file a complaint against The Bureaus Incorporated Portfolio # 15 who can be reached at XXXX. They are a debt collector and I have evidence to prove they are breaking the Service Members Civil Relief Act ( 50 U.S.C. 3901-4043 ). As a military member of the United States and a consumer of the same, I am asking for a formal investigation on The Bureaus Incorporated Portfolio # 15 against their unlawful practices and additionally their collecting agency, XXXX XXXX XXXX, who has on many occasions broken the following ( but not limited to ) : ( 1 ) Insisted me to pay them before they did any work on my behalf to adjust my balance ( 2 ) Told me not to contact the credit reporting company ( The Bureaus Incorporated Portfolio # 15 ) directly ( 3 ) Told me to dispute information in your credit report -- even if you know it 's accurate ( 4 ) Did not explain to me my legal rights when they told me what they can do for me. There needs to be better enforcement on the operations of these to FTC regulated companies who fail to abide by Federal Law. On various attempts I have tried to dispute the interest on my account as well as all the interest ever charged on my account during periods of XXXX XXXX service. According to the Service Members Civil Relief Act, interest bearing accounts for service members while on XXXX status is not to exceed 6 % during XXXX XXXX period and for the 6 months to follow after coming off of XXXX XXXX service. After being activated several times to XXXX XXXX service, I was being charged more than the 6 % interest rate monthly, and was over-charged for those time periods. I have spoken to many collections associates during and after these periods with no luck getting them to make adjustments on my interest. I was told by XXXX of XXXX XXXX XXXX staff on XXXX/XXXX/2016 that I was to get my account balance ( {$11000.00} ) adjusted for all the periods of XXXX XXXX service for the entirety of my account and this was never done. This was after speaking to one of the staff at The Bureau Incorporated ( The Account Owner ) that told me they would make the adjustments as well. After calling XX/XX/2016 at XXXX, the XXXX XXXX XXXX employee found that I am to have my account adjusted to {$7700.00} after deducting what I have been mischarged ( This is on a recorded call ). He then instructed me to email XXXX XXXX XXXX ( XXXXXXXXXXXX ) all of the documentation their office needed as evidence for my case. In that email, I attached all of my orders as evidence and clearly explained the issue for any reviewing account manager to understand. I also stated that I was happy to provide anything further that XXXX XXXX XXXX or The Bureau Investment Group Portfolio # 15 requested in order to get my account to accurately reflect what I owe after deducting the over-charges in interest by giving them XXXX ways to reach me : by email or my mailing address ( listed in my signature block ). I do not have access to mail and will not be able to receive calls while I am XXXX. Earlier this evening, at XXXX I attempted to call The Bureau Incorporated Portfolio # 15. After entering my SSN, I was automatically transferred to XXXX XXXX XXXX. A man by the name of XXXX XXXX rudely answered the phone. I addressed my previous conversation and the email with XXXX attachments that I sent out on XXXX XXXX, 2016. Unable to help me after speaking to him for 10 minutes, he escalated my phone call to his team lead, a young lady whom I did not get her name. I asked for a resolution to get my account adjusted and she informed me that she could not do anything for me to help me resolve my case and only offered to have me write a completely new dispute
01/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30519	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX, GAXXXX THE BUREAUS INC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX XXXX : AccountS # XXXX ( {$1000.00} ) TO WHOM It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
07/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
I am a consumer, a natural person pursuant to 15 USC 1692a ( 3 ). Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Everything that is on my credit report should be 100 % complete and accurate. I have sent multiple letters to THE BUREAUS Inc. demanding " Documentary Evidence '' pursuant to 15 U.S. Code 44 which includes all documents, papers, correspondence, books of account, and financial and corporate records showing material fact or evidence regarding account in question that is being furnished on all 3 of my credit reports claiming that I owe an alleged debt. Pursuant to ( FDCPA ) Fair Debt Collections Practice Act, THE BUREAUS Inc, have failed to provide : ( 1 ) Ownership of alleged debt owed. ( 2 ) Please furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters. ( 3 ) Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. ( 4 ) Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. ( 5 ) Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. ( 6 ) Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. ( 7 ) Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable. ( 8 ) Please provide verification from the stated creditor that you are authorized to act for them. THE BUREAUS Inc, have violated my consumer rights to privacy with false, deceptive, or misleading representation, identity theft and fraud. Below are a few violations by THE BUREAUS Inc. Pursuant to 15 U.S. Code 1692b ( 5 ) .Acquisition of location information. Pursuant to 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection. Pursuant to 15 U.S. Code 1692d ( 5 ) - Harassment or abuse. Pursuant to 15 U.S. Code 1692e ( 10 ) .False or misleading representations. As a result of the harassment by THE BUREAUS Inc, I have been damaged Financially, Socially and Emotionally and demanding monetary relief for violations of my consumer rights when given opportunities to fix this issue. I am demanding ALL accounts in question be removed from ALL 3 of my consumer reports.
03/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30501	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX THE BUREAUS INC / XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX RE : Collection account XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
01/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28358	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The Bureaus, INC XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX To Whom It May Concern : For the amount of {$600.00} I request validation of the alleged debt pursuant to the FDCPA, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. Since you illegally put an item on my credit file with even sending me notice. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. That is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ( The Bureaus ). Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I advise that you assure that your records are in order before I take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. This is what I sent to this company and never got a response back.
08/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33952	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : THE BUREAUS INC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
12/24/2022	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 30044	Web
The Bureaus Inc, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
04/11/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 78230	Web
This is in rebuttal to response from original complaint # XXXX. First off, I find it offensive and insulting that in the response to my original complaint, you essentially call me a liar as indicated by ( and I quote ) '' Mr. XXXX mentioned that he believed this was used by an " unauthorized user '' and also that " it seems unlikely that an unauthorized user would continue to pay on the account '' .You see, unlike you, it is not what I speculate or guess to be, it is instead, what I know. It seems to me that your respondent must truly feel a high degree of certainty that he/she is correct. When in fact, I can assure you, that you do not know my personal circumstances and what events have caused this debt to be what it is. Stick to the facts and the facts are this - you still have not complied with my request for itemized charges, signatures and dates of purchase so that I may differentiate charges that I know to be mine and then those that are unauthorized. Did it ever occur to you people that the unauthorized user may be somebody close to me and that knew me intimately and also knew how to make payments enough to avoid detection? Or maybe, I kept paying the monthly bill not paying close attention to the increasing amount? At any rate, you seem to have it all figured out..except for the part where you comply with my request to simply get itemized charges and dates. I find it aggravating and frustrating that after repeated attempts, I still am not getting what I have repeatedly requested. In fact, it seems now to have become a game and a personal attack on me. Why do n't you people simply provide what I have asked for and quit playing your little games. Again and again and again ... XXXX, I do not dispute that the account is mine. I simply want documentation of itemized charges and the dates of purchase. Why do I want these? I want these because in order for me to submit a police report or affidavit, I need these to show the facts. Can I be any clearer? Also in closing, your response states that you included documents to support your response which include a debt validation letter, a credit card application and lastly, billing statements. TO WHOM, I DID NOT GET ANYTHING? In fact, what good do any of these do for me anyway? I already said that I acknowledge being the owner of the account. The statements do n't show itemized charges and dates of purchase. DO YOU KNOW THAT NOT ONCE HAS THERE BEEN ANY ATTEMPT TO PUT ME IN TOUCH WITH YOUR FRAUD UNIT OR REQUEST A FRAUD AFFIDAVIT FROM ME. I have had to do this with a few other situations on my credit and they kindly listen to me, acknowledge my situation and give me advice and directions on how to obtain the information I am looking for. And do you know that as a result of this, they have acknowledged the unauthorized use on these accounts and have since remedied the situation. BUT NOT YOU! I ca n't even get detailed information from you and then on top of it, you make judgements and attack me personally. I 'm giving you one last opportunity to give me the information I am requesting or I will take legal action against your firm. Hopefully, this is something you can understand?
01/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44004	Web
In XXXX call for me to parents landline phone, told mom, needed to talk to me about debt owed on XXXX credit card, took name and number, I returned call after work.spoke to XXXX XXXX. 4 and some dollars charged between XXXX on a credit card in my name, a XXXX card. Explained was fraud, actually I thought he was a scammer because he kept asking for my Social security number. I told him to send all evidence he had and charges, where account was open so I could file identity theft and he agreed. Couple months later knew was scam because nothing ever came to address He had and where I still reside. 1 year later, I get a letter from debt collector, to call XXXX XXXX, again XXXX, call, am told he is not available, give them information from letter and Im told that account was paid in full in XX/XX/XXXX, made no sense but ok, because I knew wasnt my account. Days later I received another letter from same debt collector saying still owed XXXX, 30 days to dispute Mailed dispute on XX/XX/XXXX- calls kept coming to my parents-from XXXX XXXX on this debt, not me on my cell.and to date calling continuously 7 days a week Sent for my 3 credit reports, Bureaus inc reported on all 3, and I had been trying to consolidate student loan debt ; was being denied, knew I owed nothing but student loans, Middle of XXXX received another dispute letter from debt collection agency Bureaus investment group ( Bureaus inc. LLC ) XXXX XXXX, called first spoke with a XXXX, then her Manager, again told me very sorry I hadnt received my dispute packet with all the documentation I requested, didnt know where it could be, had kept a copy with address sent to, and mailed correct. Wrote dispute letter number 2, and included dispute 1, also reminded the manager our phone calls were all recorded and I dont know what there doing, but I am not paying someone elses account, or identity theft and fraud on me. Mailed second letter out certified mail and with tracking, date mailed XX/XX/XXXX As of middle of XXXX harassing phone call still continue, I HAVE NOT AGAIN RECEIVED ALL DOCUMENTATION REQUESTED SINCE XX/XX/XXXX, again XXXX, and again XXXX, spoke with A employee named XXXX, He said mailed out XXXX XXXX. I called Collection Agency again on XX/XX/XXXX, spoke again to XXXX about No information received, I let him know I need this off all my credit reports, Im doing everything I can and more, and again 3 months been waiting for all documentation requested. Received packet on XX/XX/XXXX, One, ( 1 ) piece of paper a note dated XX/XX/XXXX on XXXX letterhead sent? to a residence where I lived over 3 years ago. And forms to fill out for fraud/ identity theft, Yes yes yes thats it, no type of documents, as I write this back to back calls come in from there debt collectors Have all my information ready including all documentation needed, will be mailing on XX/XX/XXXX Certified to debt collection agency, and all 3 Credit Bureaus Investigate, and remove from my credit reports, Im drowning in student debt interest, and This XXXX fraud account has to be corrected and removed.
08/18/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 493XX	Web
The Bureaus has continued to contact me regarding the XXXX XXXX debt even though I have disputed this. I have submitted in writing before but they have continued to shuttle this collection between collection agencies and currently I have contact from the following : agencies in addition to the Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this debt due to the misrepresentation from XXXX XXXXXXXX on the original debt. The equipment was the property of the business XXXX XXXX XXXX and when the business was dissolved in XXXX XXXX XXXX was contacted to acquire equipment. XXXX XXXX did not place this order until they were contacted 4 more times and finally acknowledged this in XXXX XXXX a full 8 months after the first contact. XXXX XXXX set the equipment up for pickup, but not until XXXX of XXXX thus allowing 10 months of extra fees to incur on the account. XXXX XXXX also needed legal contact to release the lien of a vessel that was paid off with them in XXXX and stated that just because it was paid does not mean the lien is released on a revolving account which is completely false. They also demanded the collection of a jet ski trailer that was NEVER included in the XXXX financing, and even if it had been it would have been release with the XXXX payoff. The account balance for XXXX was for the XXXX vessel of which the XXXX vessel only had an owed balance of {$300.00}. The equipment was placed for auction and sold in XX/XX/XXXX. The only notice I received after this was the collection from Bureaus and not XXXX XXXX. I was never notified of the completed sale amount, how much had been applied to my account, and what the final account of charges was ( sale fee, equipment fee, collection fee, and repo fee ). I have asked for an accounting of this since XXXX and only received a copy of my XXXX XXXX statement that show the final balance before sale. The only letter I received in this time was the notice of sale. Bureaus has continued to shuttle my account between a half dozen of their subsidiaries disregarding my dispute. According to this timeline XXXX XXXX placed this account in collection as of XX/XX/XXXX and not XX/XX/XXXX as stated by Bureaus. This reporting has continued to be labeled as current and accurate monthly since this. I have disputed with XXXX and the collection company has provided false documentation that I have never been supplied regardless of repeated request. Seven different companies continue to contact me and make offers on this debt which makes it impossible to ever settle because I would not know if this would be cleared. Bureaus continue to report the debt every month as new which has continued to impact my credit and prevented me from obtaining financing for housing. Considering this debt is almost 7 years old, the impact of the collection should have diminished over the last 7 years but due to Bureaus tactic of passing the debt between collection agencies every time I dispute it and their continued reporting it is impossible to deal with.
07/31/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NV 89032	Web
I sent THE BUREAUS INC a cease and desist order with a debt validation letter attached on XX/XX/21. The letters were sent certified mail with a green receipt number XXXX XXXX XXXX XXXX XXXX. I received my green card back on XX/XX/21 and it shows that both letters were received by a person named XXXX XXXX on XX/XX/21. This person is an uninterested party in this matter. In my cease and desist I demanded that THE BUREAUS INC send me an audit trail, respond to the debt validation letter that was attached, and send me ALL documentary evidence so that I can exercise my right in validating the alleged debt that THE BUREAUS INC claims that I owe them. It has been 7 days and I still haven't received any of my demands in writing. Congress finds that this is a violation of 15 USC 1692g ( a ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector, a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. THE BUREAUS INC is also in violation of the FCRA ( Fair Credit Reporting Act ). I'm not sure how they received my private information. I did not give written or oral consent for them to furnish financial information to ANY of my consumer reports, THE BUREAUS INC has committed identity theft. On my consumer reports THE BUREAUS INC 's states that, " account information disputed by consumer, meets FCRA requirements '' these statements are false, I never received ANY written notices from THE BUREAUS INC or documentary evidence that proves their claims that I owe them the alleged debt. THE BUREAUS INC is committing fraud and invading my consumer rights to privacy. THE BUREAUS INC has also caused me embarrassment, defamed my character, and harmed my credit worthiness and reputation by furnishing false financial information on my consumer reports. Furthermore, I have never done business with THE BUREAUS INC so I would like to know how they received all of my private financial information. I would also like to know who gave them consent to contact me or report anything to my consumer reports. THE BUREAUS INC is violating federal law. I need answers and this matter needs to be resolved immediately.
10/21/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 22192	Web	Servicemember
I am just a lonely consumer trying to make through this COVID-19 pandemic. I have spoken to the a representative at the FTC. They told me that The Bureaus Inc who is trying to collect a debt on the behalf or XXXX XXXX is abusing there power. This why this month the FTC, State, and Federal Law Enforcement Partners Annouced a Nationwide Crackdown on Abusives Debt Collection Companies. So, I sent out a ceritified letter to The Bureaus on XX/XX/2020 and they signed for it on XX/XX/2020 ( I have attached the letter and certified return signature receipt ). Yes, they reply attaching a binde r of 80 pages but they have not provide me with all of the following : This letter is sent because of what is on my recent credit report. Be advised that this is not a refusal to pay, but a notice sentpursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to theabove named Title and Section. I respectfully request that your offices provid e me with " VALIDATION '' competent evidencebearing my signature that I have any legal obligation to pay you. Please provide me with the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you sa y I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent The FTC said that most of these collection companies or not even listed to collect in my state and don't have license number or registered agent. They are broking the law if all these items are not answered. They don't also don't have the right amount according to the last credit report on XX/XX/2020 they are still in non-complaint according to the FD CPA ,15 USC 1692g Sec.809 ( b ). The CRA are broking the law also by letting the The Bureaus report this on my credit report according to FCRA, Section 609 ( a ) ( 1 ), they are required by federal law to vertify-through the physical verification o the original signed consumer contract any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. So, I am not only asking for validation of my signature but does your company have any right to collect in my state if so proved proof and the license numbers and Registed Agent. All those questions have to answered or please have all the CRA you are reporting this delete this accou nt.
11/30/2017	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IN XXXXX	Web
This is a reopen for case # XXXX. My initial complaint said : YOUR COMPLAINT XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXX XXXX XXXX XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and XXXX XXXX @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. XXXX XXXX XXXX failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to XXXX XXXX XXXX XXXX XXXX concerning the XXXX XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.
02/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11235	Web
Greetings! I spoke to an agent about debt collection issue from The Bureau Inc. I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on XXXX XXXX for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to The Bureaus Inc. to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.
08/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19454	Web
The Bureaus, Inc collection agency is very familiar with FRCA as it relates to proper debt validation. It is also acutely aware of the origins of the Consumer Financial Protection Bureau. And yet, at the risk of having fines imposed, among other things, this agency is taking advantage of me by violating my rights under FRCA and refusing to communicate with me regarding the validity of a debt they have placed on my credit file. I have made multiple efforts to engage this creditor in an effort to help me determine the validity of this debt and/or to reach an amicable agreement, if the debt can be verified. When I petitioned the CFPB, this entity like the CRA, XXXX, sided with t he collection agency, The Bureaus, ignoring my rights under the FRCA. ( XXXX merely accepted whatever information the collection agency provided as debt validation ) I contacted The Bureaus in an effort to work out an agreement. I believe the representative whom I spoke with stated someone would get back to me. I have not had a business relationship with The Bureaus ; no contract, nor have they sent me anything in writing validating their legal right to collect debt in my state. I can not recall ever having any business dealings with The Bureaus , Inc . On XX/XX/2019, I mailed via certified mail a request to The Bureaus that they provide me with details of this debt that could help me understand how my relationship/contract, if applicable, with them originated. I asked for specific information that any other person might request to help formulate questions about a debt being reported on the credit reports. The FCRA allows for me to request this information. It also states that if the information is inaccurate and/or can not be verified, then the reported item in this case the collection account has to be deleted by the CRA. I am submitting another formal complaint submitted against The Bureaus , Inc. because they have ignored all of my requests to engage in an effort to bring closure to this matter. They have elected to only respond to the CRAs, and not to me, the consumer who is directly impacted by an item that they refuse to validate as outlined by FRCA. In every attempt to work with this creditor cordially, they have stalled, taken advantage of the CRAs, tricked this entity ( CFPB ) and responded in ways that avoid answering the center of my complaint ; that they refused to comply with FRCA and will not validate debt. Therefore, it ought to be removed from all three of my credit reports. I have attached the letter to The Bureaus of XX/XX/2019 and the signed certified receipt, which confirms by the U.S. Postal Service that The Bureaus received my formal request for debt validation on XX/XX/2019.
09/28/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76063	Web
XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX, sometime ago I owned a XXXX XXXX credit card, a card which I had acquired through XXXX XXXX. While I had the card with XXXX I had no issues, I used the card, paid off the balance more than once, then I believe it was sometime in XXXX I was advised that XXXX XXXX was going to be taking over my credit card, and everything went down from there. Since XXXX XXXX took over XXXX XXXX, all of the stores have been shut down, I believe they went bankrupt, they closed down sometime in XXXX. At the time of the stores closing, I had, had a small balance owed on my credit card of {$45.00}, I ran into a difficult financial period due to medical reasons, and I couldnt pay off the small balance that was left. The reason for my requesting your assistance, is that, XXXX XXXX has run up the credit card account with false information, as well as fraudulent charges that I did not run up on the card. XXXX XXXX states, that they have charged off the account, and that they have placed the account into collections, they have placed a balance of {$360.00} into collections, and I did not run up this balance, nor did I owe it. XXXX XXXX is fraudulently claiming that I had ran up this {$360.00} balance between XXXX to present, XXXX with XXXX XXXX, and none of that is true. Prior to my making the purchase of the {$70.00} on XX/XX/XXXX on the XXXX XXXX card, there was no balance on the account, because I had previously paid off my account in full. XXXX XXXX is ruining my credit, by placing false account information onto my credit files, they have themselves listed on my credit files as me owing this {$360.00} that I do not owe to them. And they have also passed on this false account information to a Bureaus Investment GroupXXXX XXXX XXXX XXXX XXXX XXXX XXXX So on my credit files I have both XXXX XXXX, and the collection company Bureaus Investment Group listed on my credit files, as both of them charging me for this same {$360.00}. So I have two live collections for money that I should not be owing to XXXX XXXX, so my credit is being dinged twice by both XXXX XXXX, and Bureaus Investment Group. How unfair that is, that they want to charge me for money that they have run up onto the credit card account, and then turn around, and XXXX XXXX charging me on my credit files, ruining my credit, as well as drastically lowering my credit score. Then they give this same fraudulent information to a Bureaus Investment Group, and they too without verifying anything with me, they turn around and also ruin my credit rating and, credit score for money that I should not be owing to XXXX XXXX.
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07039	Web
CFPB - Please review this for all consumers who are disputing collection accounts on credit reports as this issue is systematic - and against FCRA This is my dispute. There are 2 accounts listed in my report, and across all CRA 's. 1. There is no Tradeline on my credit report, and from XXXX where an account number, or a balance matches what is being reported by The Bureaus 2. I do not believe these accounts are mine. 3. Then, as a Debt Collector ( DC ), Account Numbers/Original Creditors information must be maintained ( Metro2 - K1 Segment ) and it is not 4. The Date if First Delinquency listed, is not/ can not be true/accurate and for both accounts is listed - and is against FCRA rules - and then is disputed The valid XXXX XXXX ( as the original credit grantor ) tradelines, have a DOFD that is not close to what you have, and date you list is inaccurate and against FCRA Then, the Bureaus is reporting data on my report that is wholly inaccurate, incomplete and against FCRA Where these accounts exists - at a CRA XXXX, XXXX and XXXX the following, is occurring : The Bureaus, a Debt Collector, is knowingly sending data to CRA 's , as if they are a Credit Grantor and with data attributes that Metro2 specifies should not be sent when not a credit grantor. Metro2 File Standards ( industry norm for acceptiXXXX data at the CRA XXXX is followed, XXXX XXXX are required to send data in their file to a CRA - Header ( Who is reporting, including ID or the data furnisher ) Trailer ( File counts of records sent/activity ) Base Segment - Consumer detail, tradeline info where limited attributes are expected to be sent ( values are not defaulted ) to a CRA XXXX Segment ( Original Creditor/Creditor Classification Code or Client Name/Client Type - Account Number ) ******Many fields are not expected to be sent - see attachment of Metro2 DC do not send, and The Bureaus is sending them. The Metro2 file - does not default There are no terms, no contract with or pay history expected of and from you. No contract exists with a debt collector. The Original Creditor - should not, and is not expected to be in a historical info ( free form text field ) This tradeline - collection account, fails to even show up in the COLLECTION SECTION of raw data reports directly from the CRA - because, it is mimicking the data/file details of an XXXX account. This account presents itself as if they are a lender. As if we have a contract, payments due every month, and i have been in a pay and balance history of collections Both accounts are inaccurate, please resolve them - or delete. This also serves as a DO NOT CONTACT request, and federal mandates.
10/09/2020	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	VA 22192	Web	Servicemember
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices 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 these companies : 1 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 2 ) THE BUREAU ( XXXX XXXX ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce XXXX Crackdown on Abusive Debt Collection Companies. This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
03/22/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19701	Web	Servicemember
To Whom it may concern : I have been a victim of Identify theft with a creditor name XXXX. In XXXX of XXXX I was informed by my mortgage company there was a file listed in the XXXX XXXX XXXX XXXX for a Judgement against me for {$5400.00}. I was not aware of the Judgement against me was never inform as not even a letter sent to me. I was informed to contact The Bureau Investment Group to find out there was a credit card in my name for {$3000.00} dollars first of all I do not use my maiden name the credit card account supposed to have been open back in XX/XX/XXXX according to The Bureau Investment group I had no idea of a credit card in my name for {$3000.00}. I never had a credit card for that much in my name ever I don't go around opening up credit cards. On XX/XX/XXXX I talked to a XXXX XXXX from The Bureau Investment Group I asked did he have any information far as a copy of the credit card application showing my signature he responded no I explained to him that I been a victim of identify theft he told me he will send me an form affidavit of forgery along with a copy of the court Judgement. I have received the affidavit form and I returned it back to The Bureau of Investment for Investigation. In XX/XX/XXXX I had contacted the Bureau Investment to see if they had received my Affidavit forgery form back and I spoke to a XXXX XXXX she said they had received it along with a police report notarized and all. I asked XXXX XXXX do they have any application showing my signature to this credit card fraudulent application she reply no also XXXX XXXX told me to call back because The Bureau Investment will disclose the account because it has been to long over 20 years. I called back in XX/XX/XXXX to get some information on the investigation due to the pandemic no one in the office. I called again back in XX/XX/XXXX spoke to a XXXX XXXX he started to disrespect me on the phone and accuse me of the credit card account that I have been a victim of identify theft he never mention to me about the investigation that The Bureau of Investment was supposed to do on the account. The Bureau Investment Group was giving me a bunch of run around no investigation done on the account. I will not be responsible for a Identify theft that happen to me and I showed all my credentials to this company XXXX prove to them that I have been a victim they are trying to get me to pay back money to a company I have no knowledge of. I'm starting to believe this company is a fraud The Bureau of Investment I haven't heard anything from them. Please help I would like to have this case close with the XXXX XXXX XXXX XXXX to close out this fraudulent account.
12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60827	Web
THE BUREAUS, INC IS NOT IN COMPLIANCE WITH THEIR CODE OF FEDERAL REGULATIONS 12 CFR 222.42, 12 CFR 1006.30 ( b ) PUT IN PLACE BY THEIR REGULATORS, THE CONSUMER FINANCIAL PROTECTION BUREAU. THEY ARE NOT ACTING IN ACCURACY AND INTEGRITY BY CONTINUING TO FURISH AND COLLECT ON A FRAUDULENT ACCOUNT. The Bureaus Inc states that they are a licensed collection agency in the state of Illinois by attaching a license with the name XXXX XXXX XXXX XXXX XXXX THE BUREAUS INC. When searching XXXX XXXX XXXX XXXX in the Illinois Department of Financial and Professional Regulation database The Bureaus Inc is not listed as a XXXX XXXX XXXX XXXX XXXX XXXX ( find evidence below ), surely the Illinois Department of Financial and Professional Regulation are capable of including that XXXX in their online database. 12 CFR 222.41 ( a ) ( 3 ) states information that a furnisher provides to a consumer reporting agency must identify the appropriate consumer. I have informed The Bureaus Inc that this alleged account is a result of identity theft in accordance with 15 USC 1681c-2. The Bureaus Inc previously stated in a CFPB response If this account was opened fraudulently, the account would have charged off 180 days after the account was opened and likely the bills would not get sent to XXXX XXXX correct address. THESE BILLS WERE NOT SENT TO MY CORRECT ADDRESS. The address on all of the statements and documents in the binder The Bureaus Inc continues to attach is NOT my address, I dont know whos address that belongs too. Please find the address highlighted on XXXX of the statements The Bureaus Inc attached and my correct address is connected to my Consumer Finance account and I have also sent correspondence to The Bureaus Inc from my correct address.. 12 CFR 1006.30 ( b ) ( 1 ) Official interpretation 2. Debt that resulted from identity theft quotes 15 USC 1681m ( f ) ( 1 ) and states that no person shall sell, transfer for consideration, or place for collection a debt if such person has been notified under section 605B of the FCRA that the debt has resulted from identity theft. And pursuant to 15 USC 1681m ( f ) ( 2 ) it states The prohibitions of this subsection shall apply to all persons collecting a debt. The Bureaus Inc continues to place the alleged debt in collection and it has been notified that this alleged debt is a result of identity theft. Please find my Federal Trade Commission Official Identity Theft Report attached. This account is a result of identity theft, act in integrity and accuracy and terminate all further collection efforts and stop violating federal law and the code of federal regulations your regulators put in place.
06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76063	Web
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of Bureaus Investment Group. This Bureaus Investment Group continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files. As previously stated, Bureaus Investment Group never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful. So now Bureaus Investment Group is resorting to passing off these collection accounts to other collection agencies, such as a XXXX XXXX XXXX XXXX XXXX XXXX, etc. Bureaus Investment Group claims to have acquired the accounts from XXXX XXXX, and this Bureaus Investment Group never contacted me to verify the debts. Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. Since last year I have disputed these wrongful collections against XXXX XXXX, and I have also disputed these wrongful collections, against Bureaus Investment Group. And although Bureaus Investment Group knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them. Between both, Bureaus Investment Group, and XXXX XXXX, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. Both Bureaus Investment Group, and XXXX XXXX are intentionally making sure that they maliciously destroy my credit score, and rating. They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with XXXX XXXX, which is a lie. I have had nothing to do with XXXX XXXX going on almost two years. All of the status information that both XXXX XXXX, and Bureaus Investment Group are placing onto my credit files is unlawful, as well as untruthful. I want all communication from Bureaus Investment Group to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me. I want Bureaus Investment Group and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.
04/26/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78230	Web
Okay, again, this is in rebuttal to the very offensive response to previous complaint # XXXX . So ... ..now I get the fraud kit and affadavit! It would have really been fine to just send me the information, especially when I first contacted you all back in XXXX WITHOUT the continued attack on my credibility and having a passive aggressive stance in your language in response. Funny how when I started this process, nobod y at TBI eve n suggested or tried to get this for me to help me out. Instead, it was a bunch of continuous grief, pulling teeth to get answers of which I never got because I could never get the purchase receipts or signed transactions indicating who exactly made purchases on this account ... and ... .subsequently paid on the account. I will submit the information as asked for by your company but I still keep asking the question over and over, " why was n't this suggested a long time ago? '' Lastly, and again, the language and offensive response is stil l one of calling me a liar and suggesting that whoever is responding to these complaints should be reviewed for ethical conduct and at minimum, be required to attend some sensitivity training and ethical conduct continued education. It seems this person seems to believe that he/she knows more about my life than I d o. TBI should either examine who they hire and who is entrusted to handle these complaints or do a deeper review and analysis of their company culture as a whole. I would suggest running all communications through your legal department and have someone more qualified than this person, make the next communication. Therefore, this complaint i s aimed directly at this individual in hopes that it does catch the attention of someone at TBI who should be paying attention. If this is the way that TBI handles their communications, well then, it is quite easy to see why they are on the target list for so many complaints and unethical and unprofessional behaviors. It should never be commonplace to attack the credibility of a consumer REGARDLESS of what a rogue individual 's opinions are or of what the culture of TBI supports in regard to this behavior. Therefore, it is my belief that it must be the overall culture of TBI due to the fact that an individual like this is left unsupervised to respond with this kind of attack and not be ashamed or even fearful of legal consequences. As mentioned, please have someone with a better understanding of sensitivity and professionalism contact me on the next response. It is my hope that CFPB is paying close attention to this thread!
02/09/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA XXXXX	Web
I have a collection account on my credit report maintain under my Social Security number from a collection agency the Bureaus Inc stating I owe {$10000.00}. On XX/XX/XXXX I mailed them a certified letter formally requesting validation of the debt pursue to the Fair Debt Collection Practies Act. I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I also stated that it is a violation of the Fair Debt Collection Practies Act if they can not verify the debt they must notify all XXXX credit bureau 's to remove/delete the entry. The United States Post Office had made two attempts to deliver a certified letter to Bureaus Inc address listed on my credit reports from XXXX XXXX XXXX XXXX, IL XXXX. The United States post office returned a letter to me XX/XX/XXXX.I notify all XXXX credit bureau 's listed above in this complaint the address provided for ( Bureaus Inc ) by their agenciesand the post office was unable to deliver my certified letter that 's violating my due process of an adverse action as I was seeking to get information of this debt filed under my Social Security number. I asked all XXXX credit bureau 's to validate the information with Bureaus Inc and provide me with copies of any documentation associated with this account bearing my signature and stated to them in the absence of any such documentation bearing my signature I formally request that the information immediately be deleted from their credit file maintain under my security number. I also mentioned in my letter in accordance with section of statute 611 you are required to remove this account from my credit report as it is undeniable proof of and in accuracy of a reporting on my credit history. The three major credit bureaus stated that the information is correct upon looking at my credit reports Bureaus Inc updated my XXXX credit report on XX/XX/XXXX XXXX was updated on XX/XX/XXXX and XXXX what 's updated on XX/XX/XXXX. As verified how could Bureaus Inc validate my Debt and yet at the same time refuse to except my certified letter asking for verification and validation of any evidence bearing my signature of this account. I believe that Bureaus Inc is acting in bad faith, and not have complied with the Federal Trades Commission 15 USC 41, et seq. Subchapter V Debt Collector Practices. I feel that they are liable for willful noncompliance as per FCRA 807 false and misleading representation [ 15 USC 1962e ] for their unwillingness to except my certified letter requesting validation of the debt.
06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76063	Web
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of XXXX XXXX XXXX. This XXXX XXXX XXXX continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files. As previously stated, XXXX XXXX XXXX never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful. So now XXXX XXXX XXXX is resorting to passing off these collection accounts to other collection agencies, such as a XXXX XXXX XXXX XXXX XXXX XXXX, etc. XXXX XXXX XXXX claims to have acquired the accounts from Comenity Bank, and this Bureaus Investment Group never contacted me to verify the debts. Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. Since last year I have disputed these wrongful collections against Comenity Bank, and I have also disputed these wrongful collections, against XXXX XXXX XXXX. And although XXXX XXXX XXXX knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them. Between both, XXXX XXXX XXXX, and Comenity Bank, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. Both XXXX XXXX XXXX, and Comenity Bank are intentionally making sure that they maliciously destroy my credit score, and rating. They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with Comenity Bank, which is a lie. I have had nothing to do with Comenity Bank going on almost two years. All of the status information that both Comenity Bank, and XXXX XXXX XXXX are placing onto my credit files is unlawful, as well as untruthful. I want all communication from XXXX XXXX XXXX to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me. I want XXXX XXXX XXXX and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.
03/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 492XX	Web
About one year ago, The Bureaus placed a collection on my credit report. This was originally a XXXX XXXX card, that was a XXXX store card. My father in law, XXXX XXXX opened the account soley, and only listed me as an authorized user. I did not sign for the card. My father in law passed away on XX/XX/XXXX. I was not notified of the balance on the account until this was placed on my account. I disputed this with XXXX, and XXXX XXXX and the company responded that the debt was valid. I called the number on my credit report associated with this debt. I did not reach the Bureaus, but reached XXXX XXXX. They stated they are a third party communicator for the Bureaus. I have 21 documented phone calls to this company requesting proof of signature to show I did not use this account. They stated on several occasions that they had requested this information from the Bureaus but it was never sent back. I then requested the original signature card to prove I didn't open the account or sign for anything. This has been requested twice, the last time being XX/XX/XXXX. I still have not received this, and XXXX XXXX is so frustrated with me calling that they gave me the number to the Bureaus. In the past, when you call the Bureaus, the phone loops you right back to XXXX XXXX. I have called the Bureaus 8 times in the last two weeks to obtain the signature card that was requested and never supplied, which violates the FCRA. They hung up on my twice, transferred me to XXXX XXXX twice, and never returned my calls. This invalid debt has stopped my refinance on my home. I have tried to resolve this several times under the law to no avail. I have requested proof of debt, and have requested the original paperwork when the account was opened even from XXXX XXXX. They stated they no longer have the documentation as the account was sold over 4 years ago. I have just disputed this with XXXX again, in hopes to get this corrected. I have followed all the rules, and have asked for documentation under the law. I have requested transcripts of recorded calls from XXXX XXXX, and have been told that I they can not release those. I am desperate to have this resolved. I supplied my father in laws death certificate to both collection agencies, and XXXX XXXX acknowledged that my name NEVER appeared on any statements, but refuses to send me a transcript of that phone conversation. They also refuse to send me transcripts for the calls in which I requested information that was NOT supplied within the 30 day period under the law.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94523	Web
XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. XXXX XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
01/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 023XX	Web
Hi XXXX XXXX XXXX XXXX XXXX ; Happy New Year! 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 America Bar Association and Professional Liability Fund for code of ethics violations.
03/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19149	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against The Bureaus , Inc. for committing identity theft. I have never given The Bureaus , Inc. any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with The Bureaus, Inc., and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving The Bureaus , Inc. any right to collect on this alleged debt. It is in my belief that The Bureaus , Inc. are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from The Bureaus , Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If The Bureaus, Inc. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until The Bureaus, Inc. can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and The Bureaus , Inc. continues its collection efforts, I will file for litigation for actual damages caused and The Bureaus, Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
05/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33411	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX THE BUREAUS Reported : XX/XX/XXXX - {$880.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious THE BUREAUS Reported : XX/XX/XXXX - {$880.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
06/04/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77406	Web
In the later part of XX/XX/2020, I pulled my credit report from all three credit bureaus. After reviewing my report, I noticed The Bureaus INC was reporting, negative and erroneous items to the credit bureaus. The Bureaus INC actions have negatively impacted my personal credit report. On XX/XX/2020 I sent a Validation letter to The Bureaus INC ( Letter Attached ) On XX/XX/2020 by certified mail the letter was delivered to The Bureaus INC Tracking # XXXX ( Tracking Information Attached ) In XX/XX/XXXX I received a response letter from The Bureaus INC. In the Validation Letter that was sent to The Bureaus INC, I stated that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : After reviewing The Bureaus INC response letter, I noticed that The Bureaus INC didnt provide their Bond or License. These are required in Texas and is a clear violation of Texas State Laws. Section 392.101 of the Texas Finance Code : Prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. So, I went to the Texas Secretary of State website and entered The Bureaus INC name and address. I also went to Collection Agency Licensing website, to see if a collection agency had to be bonded and licensed to collect debt in Texas. ( Screenshot attached ) Im very concerned with the tactics that The Bureaus INC has displayed, and the misleading afforded to collect in a state where they are not bonded nor licensed. This is a clear State violation, FDCPA and FCRA violations. FDCPA Section 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. We can clearly see that The Bureaus INC had violated FDCPA, FCRA, Texas Secretary of State Section 392.101 of the Texas Finance Code and me the consumer.
06/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX THE XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious THE BUREAUS INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32780	Web
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT THE BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious THE BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX
09/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 121XX	Web
I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, XXXX XXXX XXXX XXXX XXXX collectively. A debt collection agency known as The Bureaus is involved in what will eventually be exposed as the largest financial scam against American consumers. What The Bureaus, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations. The original debtor was XXXX XXXX XXXX and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization. At no time was The Bureaus in a position to own this debt, and for that matter, The Bureaus has clouded their scan even deeper by stating that the debt was acquired by Bureaus Investment Group No. 15, which is affiliated as a sister company of The Bureaus, see Abeyewardene v. Bureaus Investment Group Portfolio No 15, LLC (2:13-cv-00917), District Court, C.D. California. This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, The Bureaus came back as VERIFIED AS ACCURATE. Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX and eventually I settled with that agency, even though XXXX could not prove ownership. So how can two debt buyers purchase the same debt at the same time? The truth is, The Bureaus never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency. They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately. The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The Bureaus and their affiliated businesses. P.S. There are no less that 54 current lawsuits found through XXXX against Bureaus Investment Group No. 15, and this must give the credit reporting agencies a huge red flag on The Bureaus licensing.
11/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76244	Web
After reviewing my credit report, I noticed The Bureaus, INC was reporting on 3 alleged debts on my 3 credit profiles. I contacted this company with a Debt Validation on XX/XX/2021 via certified mail. They were in receipt of these letters on XX/XX/2021 at XXXX XXXX. The Bureaus responded with based on the records of their clients, they were able to provide me with information. How did you verify these alleged debts? Who did you interview? What department and personnel did you speak with with? This is not providing any proof that these are my alleged debts. Pursuant 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. And may I remind you that none of this information can be factual. I may also add that this company is in violation of my federally protected rights too in response to me. 15 USC B ( 5 ) which states that not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This was violated 3 times. I later respond with second letters on XXXX via certified mail requesting an original signed contract showing I have business with The Bureaus, INC which they received on XX/XX/2021 at XXXX XXXX. They responded to only 1 request and never responded to the 2 other letters. Again My rights were violated through 15 USC B ( 5 ). I have no business with this company. I have never consented to contract with The Bureaus INC, nor gave them permission to breach my privacy. I am aware that I am a Natural Consumer and original creditor. This company has violated my rights in tune can carry up to {$1000.00} per violation. These alleged debts must be deleted from all 3 credit profiles.
10/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 121XX	Web
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as Bureaus Investment Group No. 15. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXX and Bureaus Investment Group No. 15 ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be XXXX enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
11/26/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30038	Web
CFPB Complaint : XX/XX/2020 This complaint is in regards to a Credit Card Debt Collection. The collection agency is identified as The Bureaus, formally known as The Bureaus Inc. I am the sole individual involved in this matter. On XX/XX/2020, I sent a certified letter asking for debt validation to 'The Bureaus Inc ' to their specified address online : XXXX XXXX XXXX XXXX XXXX IL XXXX. On XX/XX/2020, I was informed via USPS tracking that the letter was not deliverable and also unable to forward. After some extensive research, I was finally able to locate a second possible address for The Bureaus, who no longer identified themselves as The Bureaus Inc. On XX/XX/2020, I proceeded to resend my certified letter to The Bureaus at address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. As stated in my debt validation request, I am allowing the company 30 days to respond. In actuality, I allowed more than 30 days for the company to respond. On XX/XX/2020, after not receiving any response from the company, I decided to phone The Bureaus at XXXX XXXX XXXX XXXX and requested proof that my verification letter was in fact, received. After validating my identity and locating my account, the operator was able to confirm that my letter had been received on XX/XX/2020. It was also confirmed by the operator that a follow-up letter had not been sent out via mail to me. I requested to speak with a supervisor, and the operator informed me that she was unable to transfer me to speak to someone at The Bureaus directly. Her reasoning, because she did not work for The Bureaus. The operator whom I was speaking to, actually worked for another company, subcontractor for The Bureaus. Considering all conversations are recorded, I accepted her rebuttal that she would reach out to The Bureaus, and inform them of my request to have my debt permanently removed from all 3 credit agencies. On XX/XX/2020, I received a debt verification letter from Bureaus Investment Group Portfolio NO 15 LLC regarding a debt of {$300.00} from the original debtor, XXXX XXXX XXXX. Their letter falsely states that I requested a validation of debt on XX/XX/XXXX, XXXX complaint
03/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60504	Web
I received a collection letter from XXXX XXXX XXXX on behalf of the Bureaus Investment Group Portfolio No 15 LLC. I asked for a settlement. The agent stated {$450.00} was the least they would accept. I paid {$400.00} by check and set up another check deduction on XX/XX/2021 for {$58.00}. On XX/XX/2021, I called and requested a letter stating the dispute was settled. The representative stated he would put in a request to email the letter and I will receive it by XX/XX/2021. I received a letter stating I owed {$130.00}. On XX/XX/2021, I went in online and paid the {$130.00}, I called the company on XX/XX/2021 and asked why they were not honoring the settlement. The representative XXXX XXXX said, it was an error and the account was settled and closed. I requested a settlement letter via email. I was informed that I would receive it in a couple of hours. She advised me to call again about the payment I submitted online because it has not processed. On XX/XX/2021, I got an alert from all 3 credit bureaus that I had a collection from XXXX XXXX for {$80.00}. I called XXXX XXXX and spoke with a collection manager named XXXX. He stated that I settled the account and did not pay it in full. He told me to stop talking and listen. I asked why would you give me a settlement then report that I owe {$80.00}. It makes no sense. I never received a receipt or letter stating the account was settled. I explained that I paid {$130.00} from the letter after you agreed to give me a settlement. He became frustrated and aggressive with me and emailed me a letter with the final payment amount of {$58.00} and balance due {$80.00}. I called thee additional times in effort to speak with his boss. They were answering the phone and not saying anything. I repeatedly said hello. This company is deceptive and misleading. The representative settled the account now they are reporting me as having a collection to the credit bureaus. I asked XXXX for the XXXX number and he gave me XXXX. Which is not a number. I have valid concerns and the company refuses to be honest. They are being evasive and giving me the run around.
08/12/2020	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 Was not notified of investigation status or results	CT 064XX	Web
The Bureaus Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that The Bureaus Inc. reported this entry XX/XX/2017 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history reported on this account lacks veracity. They report no payment history on XXXX and XXXX ; however, they report payment history on XXXX. I never entered into an agreement with this company, yet they are reporting a negative payment each month? Additionally, this collection account reflects terms. There are no terms on collection accounts. This is a violation of consumer law. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by The Bureaus Inc. To that end, I sent a letter to The Bureaus Inc. ( See attached letter ). This letter has been sent to both addresses reflected on my multiple reports, including XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the anything that verifies this account indeed belongs to me ; yet they have not. Consumer law provides that the creditor/company is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that The Bureaus Inc. has no intent to honor nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation, with signatures, to substantiate the alleged debt, this entry must be removed from my credit report immediately.
06/17/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	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 trail/Certified Final Forensic Internal Audit 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 G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/15/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63031	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 trail/Certified Final Forensic Internal Audit 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 G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/01/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 757XX	Web
After informing THE BUREAUS INC that they violated my rights by changing the comment on my credit bureau to say " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', they then requested proof of my claim. They ignored thier own comment they placed on my credit report, and ignored the screen shot of the comment i sent them of the offending comment. Rather than ceasing reporting, they sent me a 50 page binder, that did not have a single signature, or any information proving that I owed the debt. After receiving thier response, I attempted to call them 7 times to directly speak with them about their response, everytime I was connected to a line that said they were having technical difficulties, and then the line disconnected. The fcra gives me permission to speak directly to them reguarding the debt. Refusing to speak with me by transfering me to a line that disconnects is a violation of the fcra. Saying that they were sending the debt to an attorney, is a violation of the fair debt collection practices act. This will be my last attempt to resolve this issue with the company directly. If this item continues to show on my credit report after 30days I will be contacting the ftc to notify them of the violations. I've asked 5 times for a document with my signature on it verifying that I opened the account, and to prove it wasnt the result of identity theft. They have failed to provide it, despite having responded to 5 disputes requesting the info. The only thing they have sent me is a blank binder with no signatures any where on it, failing to prove that the debt was opened by me. They violated the fair debt collection practices act by saying that the debt was transferred to an attorney. They violated the fcra by not communicating with me reguarding the debt when I called them on 7 separate occasions. Reporting of the item is a violation of my rights and must cease. Remove from all credit bureaus, and cease all debt collection attempts.
03/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	UT 84081	Web	Servicemember
The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor Bureaus Investment Group Portfolio NO 15 LLC for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that Bureaus Investment Group has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.
02/25/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 631XX	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 trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
09/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38464	Web
hello I am attempting to resolve issues I am having with debts being reported on my credit report that does not belong to me. The creditors bon my credit report were made aware that I was a victim of identity theft in 2019. I reported the identity theft incident along with notifying the registering through the ftc, gov to file a report. I recently re- requested debt validation of the fraudulent debt being serviced by the bureaus and was instead sent a manila envelope where inside i found XXXX months of a credit card statement from XXXX XXXX that has my name on it. These photocopies are of an account that Ive never seen nor used. This print out was not from the current agency. They just sent papers from the previous debt servicer with my name and a previous address. This is not authentic proof to compel anyone with common sense into being secure in ownership The bureaus is attempting to collect {$480.00} from me. for a XXXX XXXX account they say ive opened. This along with other accounts were opened in my name during my senior year of high school. Not only are the trying to collect a debt I did not create, the company reuses to provide real debt validation information to include the original contract or affidavit showing that I allegedly signed to establish the account. It can not exist as this is idenity theft and not mine. They have the burden of proof. My rights have been violated, this account should reflect that it is in dispute. It does not that is a XXXX fine penalty. The account is being listed on all major bureaus improperly, as an open collection I have not established any credit or entered into a contract with them to have an open collection with the bureaus account. with a balance due. the deceptive way the debt is being reported is causing more damage than necessary. I ask that you help me encourage the bureaus collection agency do what is right and remove this erroneous information from my credit file. thank you in advance XXXX XXXX
07/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91789	Web
Upon checking my credit report on XX/XX/XXXX, it has come to my attention that Bureaus Investment Group has reported to all the credit reporting agencies such as XXXX, XXXX & XXXX that I'm not making any payments where in, XXXX XXXX XXXX, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that XXXX XXXX XXXX accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. XXXX XXXX XXXX, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact XXXX XXXX XXXX since they are the one responsible in reporting the account to the credit reporting agencies. I did call XXXX XXXX XXXX but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXX & XXXX to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that XXXX send me a notice in writing that they have already fix the problem.
04/07/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33541	Web
I am a XXXX US citizen : In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, Account reference # XXXX in behalf of Bureaus Investment Group Portfolio No 15 LLC. have violated my rights. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I have not given any written consent to any agency or company to publish any private or confidential information regarding my person.
08/19/2015	Yes	Payday loan	Charged fees or interest I didn't expect	NC 27516	Web
I contacted The Bureaus to pay off a debt. The person that answered the phone did not tell me her name. She was extremely rude and disrespectful. She said she could not work with me under the circumstances and I asked for the fax number. She said I did n't need the fax number and argued with me when I insisted on having the fax number. Then, before her response was audible, she hung up on me. I called again, and spoke to someone that referred to herself as " XXXX ''. She was also very disrespectful after I told her what the how the other associate had treated me. I asked her for the fax number. She gave it to me and hung up on me. Then, I called back and asked to speak to a Supervisor. " XXXX '' answered again. She told me there was no Supervisor. I asked her how they ran a business without a Supervisor. She asked if she could help me. I asked, " Are you a Supervisor? '' She answered, No. I said, " Then you ca n't help me. I 'd like to speak to a Supervisor. '' She refused. She said that no one was available. I asked her when someone would be available. She asked why I had an attitude. I told her it was because she was refusing to let me speak to a Supervisor. She said, " I already told you no one was available. '' I said, " When will someone be available? '' She said, " Tomorrow morning, '' and then she hung up the phone. All I wanted was to pay my debt and they were completely unwilling to work with me. They were rude, disrespectful and they hung up on me a total of four times. They knew who was calling, because I put in my social security number, and the first time they answered, they asked if I was XXXX XXXX. I responded yes. So that tells me that the prompt to enter my social security number immediately told the person that answered the call my name. So, the 2nd and the 3rd time that I called and they hung up on me, that let 's me know that they knew who it was that had called. This experience was humiliating and upsetting.
10/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
Greetings, to whom it may concern, I XXXX XXXX XXXX, natural man, Consumer and Creditor. This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 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. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. I demand that the account be verified or removed immediately : In addition you are making false claims against my estate XXXX XXXX XXXX. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Also, you will find viewable at XXXX recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF SURETY ACT & BOND No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF SURETY ACT & BOND NoXXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. Thank You
11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48174	Web
Iam a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX XXXX XXXX XXXX this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I was not even living in the state of Michigan at the time that this debt incurred I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : inform XXXX XXXX XXXXXXXX XXXX XXXX XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX
05/24/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 27106	Web
My complaint is against the The Bureaus Inc. They are falsely representing themselves as a debt collector & attorney on my XXXX credit report. By doing so they are in violation of Federal Credit Reporting laws that prohibits a debt collection from falsely representing themselves as attorneys. They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''. They are also still in violation of the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE 58-70-01 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of StateXXXX As of today " The Bureaus Inc '' does not have such bond listed with the NC Secretary of State. They are also in violation of NC. GENERAL.STATUTE.58-70-50 which requires a collection agency place its permit number, true name and address to all correspondence sent to the debtor. They failed to include their permit number on their correspondence dated XX/XX/22, and this is a clear violation of NC debt collection laws. I am attempting to resolve this issue with them, if they do not remedy this egregious violation by removing the negative tradeline from all three credit bureaus, I will be seeking all legal remedies available to me in this matter. I'm attaching a copy of my XXXX report showing them falsely claiming to be attorney 's. I'm also attaching a copy of their website that shows they are not attorneys. And I am attaching a copy of the correspondence they sent to me that does not have their permit number on the correspondence they mailed out, which is required by law in North Carolina.
09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60617	Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. The Bureaus , Inc. violated 15 USC 1692c ( b ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 usc 1681a ( 2 ) ( i ), and 15 usc 1681a ( e )
05/24/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 18360	Web
The debit is from prior to XX/XX/XXXX. XXXX XXXX from XXXX XXXX XXXX, who is collecting on behalf of The Bureaus, disputed this with me so I requested documentation proving the age of the debt. The only thing they provided was a old credit card statement from XX/XX/XXXX that shows a prior balance and interest owed. I called XXXX back to tell him the document has no proof of date of purchase, he replied " I know but that's the only documentation we have ''. I went on to remind him that the debt is greater than 7 years old and he said he knew that and said he told that to The Bureaus. I told him this needs to be removed from my credit, he said XXXX XXXX XXXX can't do that I needed to contact The Bureaus and gave me the phone number. He went on to say he would note in my account again that this item is in dispute due to statute of limitation being expired. I tried calling The Bureaus but I can never get a person because their phone lines are always full. Instead, I get a voicemail to leave my name and number for them to call back, but they never call back. I find it interesting that these companies can negatively impact a person 's credit but don't have to take any action to correct it in a timely manner once proven wrong. We, the individuals impacted, have spend hours trying to find someone to talk to only to get no where because no one mandates them to follow the law. In this case, The Bureaus bought the old debt from XXXX XXXX ( who already sent me a letter stating that the debt was too old to collect and therefore being removed from my credit ). The Bureau then hired XXXX XXXX XXXX to collect on their behalf but they can't do anything to solve issues so back to The Bureaus I must go. This is a broken cycle of voice prompts, nasty - disrespectful individuals, unethical companies and no resolution to something that impacts ones entire life.
11/16/2017	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IN XXXXX	Web
XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 1- On XX/XX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXXXXXX XXXXXXXX XXXX XXXX declined to accept my offer 2- XX/XX/XXXX, I spoke with XXXX XXXX XXXX and s/w XXXX @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX
09/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60827	Web
THIS IS NOT A DUPLICATE RESPONSE- YOU RESPONDED TO MY CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, I RESPONDED BACK TO YOUR CLAIMS WITHIN THE CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, AND ON XX/XX/21 YOU RESPONDED THAT IT WAS A DUPLICATE COMPLAINT. MY TWO RESPONSES ARE NOT THE SAME. I HAVE THE RIGHT TO RESPOND TO WHAT YOU STATE. THAT IS A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- 12 USC 5511 ( c ) ( 2 ) JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) The Bureaus, INC stated that their client Bureaus Investment Group Portfolio No. 15, LLC, has bought this debt, so a person would not owe this alleged debt to The Bureaus, INC, their client or the assumed original creditor ; THE BUREAUS, INC just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave The Bureaus, INC permission to have my personal information, that is a violation of my right to privacy, pursuant to 15 USC 1692 ( a ). Furthermore, The Bureaus, INC just admitted to participating in conspiring against my rights with their client, Bureaus Investment Group Portfolio No. 15, LLC and the assumed original creditor, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028 by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Deleted this alleged account from all of my consumer reports immediately and terminate all further collection efforts. With Explicit Reservation of all Rights, Without Prejudice UCC 1-308.
11/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30045	Web
CFPB THIS IS NOT A DUPLICATE ACCOUNT I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUSE OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX XXXX. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH IS VERY SUSPICIOUS. NONE WERE PAID BUT XXXX, BUT WHEN I SPOKE TO EACH XXXX XXXX A NUMBER WAS GIVEN WHICH, WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION. AGAIN, IT APPEARS THE PLAYERS IN THE GAME HAVE A PRE-ESTABLISHED RELATIONSHIP. ALTHOUGH, THERE MAY BE DIFFERENT ADDRESSES INDICATING DIFFERENT LOCATION FOR BUREAU INVESTMENT GROUP PORTFOLIO XXXX XXXX XXXX THIS IS TYPICAL DERAILMENT. ALSO, THE NAME OF THE AGENCY BUREAUS INVESTMENT GROUP PORTFOLIO XXXX XXXX XXXX, Like all debt buyers, they purchase account information from credit card companies, auto lenders, and other businesses. ( CITED FROM XXXX XXXX XXXX XXXX XXXX THIS DOESN'T MEAN THERE IS NOT A CLICK OR PROFIT BEING DISPERSED AS A RESULT POSSIBLE LAWSUITS, I AM FAMILIAR WITH SUCH AGENCIES, HOWEVER WITH XXXX A TRUSTEE CAN SAY THEY SOLD AN ACCOUNT WHICH I THINK SHOULD NOT BE ALLOWED. IN ACTUALITY, THE ACCOUNT IF IT IS SOLD, COULD BE THE RESULT OF ID XXXX SINCE THERE WAS NOT FRAUD INVESTIGATION AS IT PERTAINS TO MY CASE. BOTTOMLINE NO ACCOUNT WAS SOLD MY THIS MONEY LIST ON THE PAYOUT WAS STOLEN.
12/21/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	CO 80108	Web
First : I opened a credit account in the XXXX ( XXXX XXXX ) in XXXX, XXXX. Second : My last payment on this credit account was on XXXX XXXX, XXXX in XXXX, XXXX. Third : After my last payment I cant pay any more, because on XXXX XXXX, XXXX I lost my job and I had several health problems up date. Fourth : On XXXX XXXX I enrolled in a program of the XXXX ( XXXX XXXX XXXX ) to pay my all credit account, including my debt with XXXX XXXX. Fifth : The XXXX ( XXXX XXXX XXXX ) tried to sign an settlement with the XXXX Bank, but this Bank refused the proposals without any justification. Sixth : On XXXX I moved to the XXXX XXXX, and I live at XXXX XXXX, XXXX. Seventh : On XXXX XXXX,, XXXX the Bureaus Investment Group XXXX XXXX LLC filed a civil lawsuit ( Case XXXX XXXX ) against me in XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX, and this Company claimed the balance of this Account ( XXXX ), despite the XXXX of limitations has expired. Eight : In the XXXX XXXX the statue of limitations is 5 years after the last payment was made on the debt, and my last payment was made on XXXX XXXX, XXXX. ( State Law Title VII Chapter 95.11 ). And this Company could claim this balance only before XXXX XXXX, XXXX. NIght : I never used this Credit Card in the XXXX XXXX. Tenth ; Also, I received my Annual Credit Report of the XXXX, XXXX and XXXX under the Fair Credit Reporting Act, and in this report I cant find the debt complained for this lawsuit against me, because the time has expired for taking any legal action about this credit debt. Eleventh : For these state laws, the action of this Company is a fundamental illegality, because the Fair Debt Collection Practices prohibits collectors from taking an action ( Civil Lawsuit ) beyond the statute of limitations to collect a debt that they can not legally take.
03/29/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 78230	Web
In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the mentioned account. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. For the purpose of filing a recorded affidavit and attempting to obtain the information necessary, I spoke to XXXX from The Bureaus collection agency on XX/XX/XXXX and requested itemized charges relating to the time period in question. He said he does not have access to the original information from the creditor. To which I asked, how is it then that the credit bureaus keep reporting that your agency continues to verify the debt? His response was that collection agencies and lenders are only required to verify identity and common and general information. Does n't sound like any verifying is really going on at all? Especially in relation to why I am requesting information. Nevertheless, I requested the information. He said he could not oblige me. He was only doing his job but did say he could put a comment in for the record ... and he did. I of course still have received anything as of the time of this comment. I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.
07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78228	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX The Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor : Account number : XXXX XXXXXXXX XXXX Debt collectors Name : XXXX The Bureaus Inc. Debt collectors account number XXXX Alleged Debt Amount or Balance : {$500.00}. Debt collectors account number:XXXX Dear the Bureaus , Inc . I recently received communication from you to collect the above-listed alleged debt. Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
04/14/2022	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	NC 27106	Web
On XX/XX/22 I sent a formal request via certified mail to The Bureaus Inc regarding a collection account they are reporting under my social security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local North Carolina laws. as well as competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They are also in violation of the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE XXXX et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The NORTH CAROLINA DEBT COLLECTION ACT ( NCDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. NC. GENERAL.STATUTE. CODE XXXX ( b ). Furthermore, NC. GENERAL.STATUTE.XXXX states that a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony. As of today XX/XX/22 they are in violation of NORTH CAROLINA DEBT COLLECTION ACT, NC. GENERAL.STATUTE.CODE XXXX et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. To my knowledge, The XXXX XXXX DOES NOT have a XXXX bond on file with the NC Office of the Secretary of State, and are continuing to violate NC State Laws as well as Federal Debt Collection Laws. Due to this violation, any negatice tradelines on my credit report must be removed.
10/21/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 90068	Web
I have sent XXXX letters ( attached ) to the Bureaus Inc. asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor - XXXX XXXX - bearing my signature. I have never received that. They sent a doc showing that they bought a bundle of debt from XXXX XXXX, and they claim XXXX XXXX is the original creditor but that is a lie. XXXX XXXX is the original creditor. Where is the original contract with my signature from XXXX XXXX saying I ever agreed to pay an assigned debt collector? They obviously do n't have it so they are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX XXXX is the original creditor, let 's see a contract with my name on it from XXXX XXXX. It does n't exist because XXXX XXXX is not the original creditor. This is not about whether or not I ever had a XXXX XXXX credit card. This is about whether or not I owe the Bureaus Inc. any money, and they have shown me no proof that I owe them one dime. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, the Bureaus is breaking the law by negatively reporting me to the Credit Bureaus. This is my last and final attempt to allow them to remove this item PERMANENTLY from all XXXX credit bureaus before I file a claim in small claims court in XXXX XXXX where I live, for $ XXXX. They will have to fly out from Illinois to deal with this and incur great costs and they will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!
01/15/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75093	Web
On XX/XX/2021, I wrote to The Bureaus Inc disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any XXXX XXXX XXXX. On XX/XX/2021, I received a letter back from The Bureaus Inc, stating that they had received my letter requesting debt validation and they provided a summary of the debt and attached credit card statements showing purchase ( what happened to privacy? ). On XX/XX/2021, I responded back to The Bureaus Inc, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I received a return receipt signed that The Bureaus Inc received my letter on the XX/XX/2021 As of today, XX/XX/2021, I have not heard back from The Bureaus Inc, and they are still reporting the collection account on my Credit Report. How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract and nothing has been provided. I need your help resolving this as I'm not getting anywhere with this company?
07/09/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MO 631XX	Web
On XX/XX/21 at XXXX am XXXX XXXX of XXXX XXXX contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me XXXX XXXX. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60651	Web
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! The Bureaus, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
09/12/2019	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 Was not notified of investigation status or results	LA 70003	Web
Hello, I been talking to XXXX by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with THE BUREAUS INC that starts with XXXX has been received and should be completed by XXXX.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read THE BUREAUS INC Account XXXX This item was removed from your credit report. Please review your report for the details. Show Details \| View your Report \| View your credit score Deleted then on XX/XX/XXXX, THE BUREAUS INC re inserted the account back on my credit report THE BUREAUS INC has flagged your account as Collections. Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency XXXX has investigated this matter twice and now the report comes back as verified or THE BUREAUS INC Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. View your Report \| View your credit score Remains please look into this matter as I spoke with reps of XXXX as they tell me the can find anything that says this matter was deleted from my file
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48221	Web
The Bureaus Inc. The Bureaus is a Debt collector having a place of business at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are collecting a debt real or alleged found on my XXXX and XXXX XXXX XXXX, therefore they fall under the rules and regulations as set forth in the FCRA and FDCPA. I am making you aware of a indecent of a violation of these laws. On XX/XX/2023 a single payment towards the debt in question was remitted for the amount of {$1.00}. The balance due prior to this date was {$730.00}. Once that real payment was processed they did in fact update showing that they took the money as shown on the PDF Collection Status Prior to XXXX with the new balance as of XXXX being {$730.00} with a report as shown generate XXXX XX/XX/2023. On that very day or just prior to we initiated a validation of debt complaint Via XXXX it is my/our right per the FCRA and FDCPA. On the XXXX XXXX XXXX XXXX the XXXX dispute was updated by the Bureaus with a change a increase of XXXX dollar to the balance. I submit : 1 ) This a clear violation of the FCRA section 609 in regards timely and [ accurate reporting. ] 2 ) A violation of the FDCPA in regards harassing the consumer as this move of willfully negating any and all payment s then reporting a balance increase was malicious in intent and in the context usher forth, a form of punishment for opening a lawful validation of debt complaint though the Better Business Bureau. Each one of these a {$1000.00} per violation under the FTC and would be enforceable adjudicated in a Civil court.
03/31/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
My name is XXXX XXXX and I am submitting new information as my rights have been violated and cfpb needs to make this company respect the law. This is related to case # XXXX Under section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) once I submitted my Affidavit Of Identity theft form, that I have sent over to this company more than once now, this account was supposed to be removed and closed out. The most they have done is shown my balance is XXXX. That is fine, but that does help my situation. Under the Fair Credit Reporting Act, I am supposed to be protected against negative remarks that have been placed with the CRA 'S per this fraudulent account. since the company has had more then 30 days to remove this account due to me being protected under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), I now want CFPB to enforce this law and demand this account be removed from all Cra 's . The company has already stated the balance is XXXX, and account has been discharged. so there is no harm in removing this negative account from my profile, especially if I state the account is Fraudulent and have filled out affidavit stating so and under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) I am suppose to be protected. So demand removal asap and updated reports be sent out once completed. Next step would be to file complaint with state attorney office and press charges against this company for discrimination and completely violating my rights and pursuing to report fraudulent activity on my account.
12/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60827	Web
I have retained information that BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC has purchased an alleged debt from XXXX XXXX XXXX XXXX XXXX. They have transferred this debt to their representative The Bureaus, INC ( who is not a licensed collection agency in the state of Illinois ) and XXXX XXXX who have both contacted me in trying to coerce me to pay this alleged debt without providing me specific proof of claim. Attached is my official NOTICE OF DISPUTE PROOF OF CLAIM AND CEASE AND DESIST OF ALL COMMUNICATION. I am invoking my specified remedy. If I don't receive the required evidence of proof of your claim in 30 regular days, your claims against me will be dismissed and you must terminate all collection efforts. I expect you to cease all communication with me through any and all mediums, including my consumer report, in regards to this alleged debt including communication through your representatives, The Bureaus , Inc and XXXX XXXX. ALL communication directly or indirectly should now cease though any and all mediums. You will be held up to every aspect of federal law for willful and negligent noncompliance of federal law. YOU ARE ON NOTICE. I do not give BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC, or any of its representatives, affiliates, employees or legal counsel permission to pursue legal action against me, the federally protected consumer, for that would be a violation pursuant to 15 USC 1692i ( b ) and 15 USC 1692e ( 3 ). With Explicit Reservation of all Rights, Without Prejudice UCC 1-308.
11/19/2022	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	LA 70131	Web
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : The Bureaus INC, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE BUREAUS INC Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX
04/04/2016	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	TX 77573	Web
I have several complaints, I sent a debt Verification Request and a written cease of communication notice ( limited to mail only ) to The Bureaus Inc. on XXXX XXXX, 2016. As of today they have not responded to my request in writing however, they hired a second collection agency called XXXX XXXX , XXXX. When I was contacted by XXXX XXXX XXXX on XXXX XXXX, 2016 they claimed to represent XXXX XXXX and were trying to collect a debt on their behalf. My husband and I informed them I was n't aware XXXX XXXX XXXX on our credit report and was transfered to a supervisor. The supervisor then informed us that XXXX XXXX XXXX XXXX. is trying collect for XXXX XXXX. We informed him that the only XXXX XXXX collection that we aware of is the one owned by The Bureaus Inc. and informed them that we sent them a request for Validation and written cease of telephone communications. We asked if The Bureaus Inc. sold the debt to XXXX XXXX and he informed me that they work on " behalf '' of The Bureaus Inc. and that they are their clients. We then asked why they were stating they were working on behalf of the Original Creditor XXXX XXXX because both he and the original caller stated they were calling on behalf of XXXX XXXX. The Bureaus is using another collection agency to collect a debt on their behalf, even though this agency is claiming to work for the XXXX XXXX. The Bureaus Inc. was given a request for Validation and a written cease of communication and are using another agency to communicate illegally.
11/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30045	Web
THIS IS NOT A DUPLICATE COMPLAINT. DUE TO ID THEFT/FRAUD WE ACCOUNT WAS NOT VALIDATED BY US.I DID SPEAK TO A REPRESENTATIVE PREVIOUSLY AND THERE WAS PAYMENT OF THIS ACCOUNT AFTER XX/XX/2018. I AM ATTACHING THE A COPY OF THE CLAIMS REGISTER AND PAYOUT. IF THE ACCOUNT WA DELETED FROM THE BUREAU WEL THIS WOULD EXPLAIN EVERYTHING. I KNOW SOMEONE LEFT EVIDENCE BEHIND THINKING I WOULD NOT CATCH IT. APPEARS TO BE ANOTHER INSIDE JOB WITH THE SAME TWO ATTORNIES AND TRUSTEE. THE ALABAMA XXXX. ENTITLEMENT XXXX RACISIM AT IT'S FINEST! I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX XXXX. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH XXXX DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34759	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. XXXX days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10458	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10453	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
06/26/2019	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	FL 33025	Web
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : 0, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48346	Web
In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from THE BUREAUS INC with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by XXXX XXXX XXXX. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact XXXX XXXX XXXX to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. I must note that this is being reported by THE BUREAUS INC? I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!
03/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 727XX	Web
On XX/XX/XXXX I received a phone call from a collection agency stating they now own a debt that was once owned by Bureaus Investment Group Portfolio No 15 LLC on an account opened XX/XX/XXXX. The company that contacted me was XXXX XXXX. During this phone call, I told the representative I was unaware of this debt being sold and asked them to send me a verification of debt. A verification of debt letter was written and sent to them later that afternoon asking for specific information. XXXX responded with a copy of statments from XXXX XXXX. Though this is part of the information requested, it wasn't all of the information requested to prove the debt. In my letter I requested information in occordinance to information provided to me from the Consumer Financial Proctetion Bureau including topics : Why they think I owe the debt, The amount and age of the debt and their athority to collect this debt. I reside in Arkansas and under the laws in Arkansas any debt collector who is attempting to collect a dept must hold a license in Arkansas, neither of the listed companies above hold that or have not provided any proof that they hold athority to infact collect on this debt. Thursday, XX/XX/XXXX will be 30 days since I have requested this information and have not had any contact from them regarding this issue. Also, The Bureaus Investment Group still reports to my credit as owning the debt, when they infact sold it to a new company.
04/16/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 10701	Web
I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX 2. I asked for the original contract bearing my signature. 3. I asked for the payment history and last payment date made on this account. 4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from Bureaus Investment Group Portfolio NO 15 LLC. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a XXXX XXXX XXXX XXXX!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!
04/08/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27265	Web
I was told by XXXX XXXX that the debt had been turned over to the collection agency. I called The Bureaus Inc Collection Agency in early XXXX to settle the account for {$700.00}. The gentlemen at the collection told me he would contact his customer and call me back. After no response I called the Bureaus on XX/XX/XXXX and XXXX offered to settle it for only 10 % of the XXXX to {$1200.00}. According to her this is the lowest settlement prorameter. Then she offered {$1100.00}. I asked to speak with a supervisor who was extra rude and told me {$1200.00} and that the rep did not have artozation to lower it. I told her I was aware of the law and that she could go lower. She told me it doesnt matter how many time I call its not going to be any lower. On XX/XX/XXXX I received a call again from the collection agency first she asked me to verify my DOB but I refused because she did not identify who she was or where she was calling from. So she said the last four of my SS # and asked me to verify it was correct. She then offered me a 10 % settlement, I asked her about my previous call for the lower settlement amount she then told me their client agreed to {$840.00} which is difference from the 10 % she offered at the begin of the conversation. I again offered them {$700.00}, she replied i will check with the customer but {$700.00} maybe lowest and it must be paid by end of month.
03/16/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MD 21702	Web	Servicemember
I had an XXXX rewards card back in XX/XX/XXXX for the amount of {$770.00}. Due to hardship I was not able to make payments and It was sent to collection. The Bureaus Inc took over the account and is using XXXX to collect the balance on the account. However, the original balance of {$770.00} went up to {$930.00}. I have been contacting XXXX since XX/XX/XXXX to find out why my balance increased by {$150.00} but they have failed to provide that information. XXXX rudely refers me back to The Bureaus Inc for any information on the account and state they CAN NOT provide any information on the account except for settlement offers. I have been in contact with the Bureaus Inc since XX/XX/XXXX by email and i was able to get the original XXXX card billing information but they FAIL to provide a statement or Bill demonstrating or explaining the charges being added to the original balance. I keep getting run around about why they can not provide a statement showing the {$150.00} extra charges and Im just being told that they are charges added without a clear explanation. I am willing to pay for the collection, but i am not willing to pay for unexplained charges that two agencies, The Bureaus Inc and credit XXXX, can not discuss openly with me. I think its frustrating and unfair that they keep giving me a number but FAIL to demonstrate how they get from {$770.00} to {$930.00}.
09/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17268	Web
A company called " The Bureaus Inc '' is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4600.00} but I have never done business with them and I have never received any responses to my requests for information. The account number on my credit is : " XXXX '' with an open date of XXXX 2013. I am getting all of this account information from my credit report. According to my report, it seems that this debt was related to an old XXXX XXXX account but this is what does not make any sense. I do have accounts with XXXX XXXX but all of them are in good standing. I have two active XXXX XXXX cards that I 'm currently using and paying back. If what this company is reporting is true and I really had a bad account with XXXX XXXX I would not have two open credit cards with them that I am still using. This collection agency is trying to scam me and they are refusing to verify why they are charging me this money. This is why I am filing this complaint. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. There is a 100 % negative review rating on the XXXX XXXX XXXX XXXX website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
11/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30045	Web
CFPB THIS IS NOT A DUPLCATE ACCOUNT. THIS IS ACCT NUMBER 3 UNDER THE SAME AGENCY. I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED BR BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR BR OFFICE. THIS CONSTITUTES BR FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH, THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH BR DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION. WHO SO IRONIC IT APPEARS XXXX XXXX XXXX LOCATED IN XXXX XXXX GRADUATED FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALSO GRADUATED FOR THE UNIVERSITY XXXX XXXX XXXX XXXX. THIS IS NOT IRONIC. CAN YOU SAY POSSIBLE THEFT, THE XXXX XXXX TRUSTEE IS THE ATTACHED TO THIS MESS, YES THE MONEY WA STOLEN.
04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33012	Web
Hello, my issue involves a debt I am actively disputing with The Bureaus Collection agency. While i have asked for verification numerous times in my disputes, and while they have yet to provide me with anything, I noticed today that they recently made a {$1.00} dollar payment into the account. I never made a payment to them because I do not even know what the debt is for much less ever received a response from them. I have noticed this happen before and did an online research. Apparently this is done to extend the statute of limitations of an account and also to keep the account active beyond the legal time frame. The credit forums explain that whenever a payment is made a legal agreement to repay is created. When no other payments are received, they can consider this a breech of payment contract and report a new time limit. This is WRONG. Nothing has been paid by me or anyone else, and I am disputing not only the account which is not mine but also this illegal practice used to re-age accounts. i am asking this federal agency to take a look at my consumer credit files, to reach out to this company and review all my dispute requests which have never once been answered and to put this company on the record for violating the law. This is illegal and wrong, to keep people locked into debts which they dispute. This is shameful.
02/10/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	NY XXXXX	Web
I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX .XXXX Extn XXXX from XXXX XXXX XXXX XXXX. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.
04/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 76051	Web	Servicemember
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX on behalf of Bureaus Investment Group Portfolio No. 15 LLC, about a debt that I was never aware of. I sent a debt validation letter requesting further information in regards to this debt on XX/XX/XXXX via certified mail. Post marked XX/XX/XXXX I received a letter back from XXXX XXXX XXXX XXXX XXXX, with only billing statements and a typed letter from XXXX XXXX XXXX informing that a credit account with them was acquired by Bureaus Investment Group Portfolio No.15 LLC . on or about XX/XX/XXXX. I sent XXXX XXXX XXXX XXXX XXXX, a letter requesting additional proof that the debt they claim I owe is valid by furnishing a contract bearing my signature or the original contract of such said debt via certified mail on XX/XX/XXXX. I received a response back postmarked XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, with the very same information they sent to me on XX/XX/XXXX. They have failed to properly validate this debt with a signature bearing my contract. I have documentation stating where I lived during the said billing statement dates and it is an incorrect address from which they have provided on this debt. Instead they send me the same documentation from a previous request and as well a debt collection letter while this debt is currently in dispute.
06/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19454	Web
I received notification from " The Bureaus '' whose company name appears to imply that it has an affiliation with the three major credit bureaus. The company has used its name to give itself an unfair advantage in the debt buyer business and has also abused its position by intimidating consumers with its business name, suggesting that it is associated with the credit bureausXXXX XXXX XXXX and XXXX This is a major violation of the Fair Debt Collection Practices Act. ( Sect 807 " False or Misleading representation '' ) This company informed me that I owe them {$910.00}. They have also successfully placed a negative tradeline on my credit reports. Under the Fair Debt Collection Practices Act ( Validation of debts ), I have a right to have these debts validated. In order for me to make a determination if what they have reported is accurate, I have requested on numerous occasions - the last in a formal letter - that they provide me with details that validate this debt. As of this date, I have not heard from this collection agency except harassing messages. I have never signed an agreement with this company, nor have I secured any loans from this company. The company has ignored my requests for debt validation and has continued to viciously report this item as a negative occurrence on my correct reports.
11/07/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77354	Web
I received a call from XXXX XXXXXXXX XXXX demand the balance of an account for about XXXX. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only. I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance ca n't be verified. First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX. As of the second email, the company has not validated the debit properly, but still reporting it on my credit.
02/18/2021	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	AZ 85297	Web
Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against The Bureaus, Inc. and XXXX XXXX XXXX. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( The Bureaus, Inc. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.
01/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76063	Web
XX/XX/2020 To whom it XXXX concern : I would like to file a complaint against two collection companies, XXXX XXXX XXXX, as well as Bureaus Investment Group. I received a letter today from this XXXX XXXX XXXX, in which they are claiming that I owe a collection debt from XXXX XXXX XX/XX/XXXX, in the amount of {$1600.00}, for an account ending in XXXX. I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XX/XX/XXXX any amount of {$1600.00}, if this is what they are claiming, this is not true. If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. I want this company to provide me with their license numbers and Registered Agent documentation. As well as proof that they are licensed to collect in my state. They are slandering my credit with this misinformation, and I want to consult with an attorney about that. Also, I want all communication from them to come from them to you, and you can contact me. Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. I do not owe this charge amount, and I want my name cleared from it.
05/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MA 021XX	Web
Hi my name is XXXX XXXX and Im a federally protected consumer, and I am making this complaint against BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC for committing identity theft. I have never given BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC continues its collection efforts I will file for litigation for actual damages caused and BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice you are hereby notified Pursuant UCC 1-202. Your prompt attention and response are both requested and required.
10/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75006	Web
I am a victim of aggrevated identity theft. I have not checked my credit report in years and was astonished to find XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never ever authorized or entered a consumer credit transaction with neither XXXX XXXX nor XXXX XXXX XXXX XXXX . You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. Sincerely, XXXX XXXX XXXX
04/16/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60628	Web
XX/XX/XXXX I had an account with XXXX XXXX back in XX/XX/XXXX. XXXX was the creditor for their credit card at the time. My limit was only XXXX. XXXX charged me some promotional financing Charges that I did not agree to and during the course of trying to fix it XXXX went bankrupt and XXXX XXXX took over. XXXX XXXX turned the matter over to the Bureaus. The Bureaus turned it over to the XXXX XXXX XXXX XXXX XXXX XXXX. They went to court and got a judgement against me in XX/XX/XXXX. I didnt know of the court date. They are charging me 10 % on the dollar saying its the law. I have been making steady payments since XX/XX/XXXX. I offered to settle in XX/XX/XXXX for {$1500.00}. The countered with {$2100.00}. I could not pay that amount so I resumed my regular payments. I called today, XX/XX/XXXX at XXXX to get my new payoff balance. I spoke with a XXXX XXXX who said my balance is {$3200.00}. This is criminal to me. I have paid already paid {$1700.00}. How can a {$2500.00} credit card bill now be almost {$5000.00} and rising. I understand fees and all but {$2000.00} in fees is not fair. I will pay what I owe but the interest is unfair and I like to file a complaint. What can I do? I have attached some documentation that I have. I have requested a copy of the court order.
02/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WA 986XX	Web
I opened up an account with XXXX for a purchase of a moped. I stopped receiving notifications of the debt. They turned it over to a collection agency and then covid hit. The day after restrictions were lifted, this company sold the debt. I set up automatic payments with this company. There were taking money out of my account every month. In XXXX, I received a call from XXXX XXXX stating my payment was missed. I double checked my account and it was taken out. They wanted me to make a payment with them over the phone. I assumed this was a scam. I called my bank and they said the money was taken from my account and transferred the payment to XXXX XXXX XXXX. I called the supervisor I set the payments up with. He told me there was something wrong with their system and everything had to be re-entered. He asked that I send him proof of payment, which I did. He told me not to make a payment with anyone that he would fix it and if anything else was needed he would call me back. I even received an email thanking me for the phone call. I never heard back. My co-signer just received notification it was sold to another company and I have not made a payments. I am not sure how they can sell it and try to say I have not been making payments when they were set up automatically.
03/17/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60443	Web
On XX/XX/2022 and XX/XX/2022 I wrote to The Bureaus, Inc requesting that they validate an alleged debt they claimed is owed to them by me. In my letter I requested that they provide specific documentation of validation as pursuant 15 USC 1692g ( b ). However, they failed to address my very specific legal requests, and have continued to unlawfully report this purported debt in violation of my right to privacy and the cease and desist requests, submitted in my previous communications, as defined under the FDCPA. The instruments they provided did not validate their proof of claim as it did not include evidence of any legal instruments bearing my my signature or their lawful right to collect on this alleged debt ; nor did it contain the accounting ledger in accordance with 15 USC 44 that illustrates the amount they purchased this alleged debt for and the correct amount allegedly due. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Their negligence and unlawful reporting of this alleged debt is causing me unwarranted stress and frustration, damaging my reputation and credit worthiness, and affecting my mode of living.
11/28/2021	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	FL 33647	Web
My information was furnished and used on XX/XX/XXXX without my consent for a XXXX XXXX XXXX credit card. It was a {$350.00} credit limit and immediately maxed. Some payments were made on the card but it was eventually defaulted. The Bureaus claim date of first delinquency was XX/XX/XXXX but last payment prior acquisition was XX/XX/XXXX. Why would an account be turned over for collection before it was ever delinquent? I incurred damage to my credit standing, declined auto loans, credit cards and other services that I probably would have been granted without this inaccurate information. This account was sold to The Bureaus and I have been in contact with them. I have demanded the original, written and or recorded contract/application, copies of my ID/SS card or number and all other relevant information to prove that it was me that opened the account. They did not provide anything except the payment history and other irrelevant documents, but nothing proving ownership. I have disputed this XXXX XXXX XXXX XXXX through no avail. They always XXXX reply saying the information has been verified. I know this is inaccurate being my XXXX, XXXX, XXXX and XXXX accounts are frozen ; therefore, they continue to be dishonest while causing a consumer financial harm.
04/20/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	WA 99203	Web
On XXXX/XXXX/2016 I contacted them ( The Bureaus INC ) to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016
11/13/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IL 616XX	Web
I a natural person was issued a false debt in the amount of {$490.00} that is now reporting on my consumer reports. On XX/XX/XXXX I mailed a validation of debt letter demanding proof of claim. That this said alleged debt factually & legally belonged to me. I asked for a contractual agreement with my wet ink signature. They did not comply. But instead sent what appeared to be computer generated " bill statements '' from XXXX XXXX. The XXXX XXXX XXXXt back a large packet containing letters & symbols on the outside of the envelope, violation of 15 USC 1692 ( f ) ( 8 ). Which I have uploaded alongside this complaint. On XXXX XXXX, I mailed a certified letter to The Bureaus Inc demanding for them to validate the alleged debt that they claim I owed. Again they failed to comply & violated me in return. Sending another huge packet with symbols & letters on the outside and inside of the contents. On XXXX XXXX I mailed another certified letter putting The Bureaus Inc on notice of all ways they have violated me as a federally protected consumer. This company never validated this alleged debt they claimed I owe. However The Bureaus Inc continuously reported this alleged debt on my consumer reports damaging my reputation at the least.
07/17/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30082	Web
Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with XXXX XXXX XXXX for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. XXXX XXXX XXXX has never responded to a dispute, it has been pending since XXXX XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for XXXX is exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and anything pertaining to XXXX XXXX be listed one time.
02/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08081	Web
Upon looking through my credit report and noticing an unknown debt collection. I reached out to the company via certifed mail with a letter asking to verify the debt. I sent the letter USPS Certified Mail ( Tracking Number XXXX ) on XX/XX/XXXX and The Bureaus located at XXXX XXXX XXXX, XXXX, IL XXXX received it on XX/XX/XXXX at XXXX am. Upon giving the company 30 days, I received statements ( XXXX XXXX ) from the alleged account. I reached out to XXXX XXXX about the account in question. I spoke with a rep named XXXX and he stated " the person who opened the account stated that the date of birth was XX/XX/XXXX and my date of birth is XX/XX/XXXX ''. Also he stated " that the account was opened in XXXX which is before I turned 18 years of age ( Which is a violation of their terms and agreements ). The conclusion is that the account was a result of identity theft. If the company ( XXXX XXXX and The Bureaus ) verifed all the information they should have notice the DOB does not match with mine nor was this account legal for them to open. This process should have been thoughly verified before adding on my credit report. I am willing to take all legal options, if this account is not removed from my credit report.
10/04/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IA 50320	Web
I have tried contacting Original creditor and they stated over the phone that account no longer belongs to them. Therefore, they couldnt help me. I wrote to XXXX XXXX, XXXX and XXXX regarding this account as it is stating incorrect. XX/XX/XXXX I requested to delete account as I do not recall having this account. Account was previously stating collection yet derogatory at the same time with all three bureaus after dispute XXXX XXXX has changed from stating collection account to open account while XXXX and XXXX continue reporting collection. This is impossible account can not be open yet in collection at the same time. Previously, account was stating XX/XX/XXXX as date open with experian and XXXX currently XXXX and XXXX have change date open to XX/XX/XXXX. Before Payment history was not stating no data were now experian has added conservative charge off as if it was some sort of payment method. Account has also been re-aged pushing back the day it should fall off this is not acceptable. It is not possible that all three bureaus are right when information is coming from the same furniture data. I have attached a copy of previous and current credit report and underlined errors to further assist with request.
04/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AZ 85023	Web	Older American
I did ordered 2 pieces of shoe racks from XXXX as a XXXX gift for my XXXX old mother in XX/XX/XXXX. In XX/XX/XXXX one piece was sent with an email notification and immediately replied to the same email to cancel the second order since the product was not as described. The material was too cheap and does not hold a pair of shoes before it falls apart. I do have the email attached to the complaint document. Nevertheless, overstock ignored my request and did send the 2nd order after XXXX towards XX/XX/XXXX. I called for a return packaging slip. Attached is an email as proof XXXX received the package and credited my account to zero balance {$0.00} as shown on the email. Few months after, I started receiving billing for the second order that was cancelled since I paid for the 1st order. XXXX sold this Account XXXX XX/XX/XXXX to " THE BUREAUS '' in the amount of {$610.00} ( the shoe rack purchased costs {$28.00} each ). I hereby request from The Bureaus to delete {$610.00} from my credit report since the account is written off and not only that I do not owe XXXX nor The Bureaus a dime. This collection record is affecting my credit report in order to gain a reputable job in my career to feed my children.
12/04/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	VA 232XX	Web
I took a credit card for furniture ( in store card ) in XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The Bureaus Investment Group. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!
12/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 075XX	Web
The Bureaus is reporting that I owe a debt to the Credit Bureaus. I have reached out to the Bureaus on several occasions and continue to be lead down a rabbit hole with no live person to discuss and resolve my concerns. Upon calling the Bureaus there is no one that answering the phones and I have repeatedly called over several weeks. I finally emailed and received a response. In the email i was informed that " XXXX XXXX XXXX '' was handling my file on behalf of The Bureaus and was advised to call a number provided to me by the representative. After calling the number several times. I ran into the same situation as phoning the Bureaus, there is no live person to talk to, a machine continuously picks up messages are not returned. Also, after inputting the requested information according to the prompts, I received a message that there was no information that could be found at this time and to phone back at a later date. I have paid and settled all past accounts with XXXX XXXX and am requesting that The Bureaus immediately delete and cease reporting to the Credit Bureaus. There is no accountability from this agency to pick up the phones or return calls to discuss concerns. Account # XXXX
11/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 74105	Web	Servicemember
To whom it may concern : This complaint is about an inaccurate collections accounts on my XXXX and XXXX credit reports. I have contacted both XXXX XXXX and The Bureaus Inc. in the last 12-months I have contacted both companies multiple times regarding their inaccurate reporting, each time Ive received a response with a printout of a bill, stating the account was verified and meets FCRA. The XXXX XXXX account that these collection agencies allegedly verified as mine and both companies are reporting this derogatory account to the credit bureaus. Why is this alleged XXXX XXXX account NOT listed on ANY of my credit reportsONLY the collection account? FYI a printout of a bill or itemized document does not constitute verification. I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate and represents a very serious error in your reporting. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX, XXXX or The Bureaus, Inc the alleged amount owed.
04/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60440	Web
I check my credit online last week and saw 5 debt collectors. I have not been anywhere or have I used any credit because of being laid off. I'm not sure where this came from. However I was arrested in XXXX in 2017 and my license was taken away and I had to go to court! There was a man name XXXX XXXX. He impersonated me. This was not known until I went to court and the lawyer showed past arrest photos of " XXXX XXXX XXXX '' and it was all him. I found out he has my DL number, SSN, everything. Moving forward I do not even use credit cards and ONLY pay cash, so these accounts can not be mine. Whatever debt this is they need to view the picture of the ID to see if it is my face or that man XXXX XXXX. The account that I saw on my credit was The Bureaus Inc Account Number XXXX Even when I look on the credit report and look for information to contact the creditors both of these companies XXXX XXXX XXXX and The Bureaus Inc information is not listed. These company did not send any mail to my address and I have been at the same address for over 30 years. I just don't understand why this happen. Please hold them accountable for not verifying whoever used my information to get credit.
03/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 35020	Web
I received information from you attempting to collect the above-listed alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
11/28/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85747	Web
The Bureaus Collection Agency has violated my rights in attempting to collect a debt they claim I have, I have paid this debt to XXXX XXXX in XX/XX/2019 which can be viewed on my credit report and shows as the debt was legally paid for less than the full balance. I received a letter from the Bureaus ( TBI ) attempting to collect on this debt and quickly sent a letter in response asking they validate the debt as I paid this debt off. I did not receive a response and as soon as I saw the Bureau added their account to my credit report I contacted them by phone. I was unable to speak to anyone when I called on multiple occasions and only received voice recordings that due to the pandemic they cant always answer. ( I have the phone records of my multiple attempts to resolve this ). I then filed a complaint with the XXXX XXXX XXXX during which the bureau provided misinformation, and again failed to resolve this. This is negatively affecting my credit and should be resolved quickly. I dont know how else to resolve this issue other then filing this complaint or obtaining legal representation which will be my next course of action should I not achieve amicable resolution. Thank you.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 713XX	Web
I have submitted a request for this company to remove this account from my credit profile because it is still reporting as delinquent and effecting my score. The debt is no longer a collection of mines and that was the excuse as to why it is still reporting. The account is charged off as a XXXX balance however is still reporting negatively on all XXXX bureaus. I have contacted the company and the bureus and both are in violation. FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. With that being said these accounts do not line up properly. REPORTING ON XXXX XXXX. DATE OPENED - XXXX XXXX XXXX. DATE CLOSED - XX/XX/XXXX REPORTING ON XXXX DATE OPENED - XX/XX/XXXX This information is incorrect and documented. I am requesting that you please remove this from my credit profile. I have submitted an FTC report in the past, it was overlooked and I am really not in the mood to go back and forth about a line that you guys are reporting wrong.
03/24/2021	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	FL 34953	Web
I contacted The Bureaus to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the Bureaus, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the Bureaus, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with XX/XX/XXXXand they reported back that the company verified with them the debt is valid. HoweverXX/XX/XXXXrepresentative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to XX/XX/XXXX their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, XX/XX/XXXX refused to removed the debt.
06/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19150	Web
I am a consumer and natural person, I can not owe any debts, I am a non-entity, non obligor, non- debtor. MY personal information is worth whatever amount I say it is worth. Any company that has obtained my personal information without my consent is in violation of my GOD given rights to life, liberty, and the pursuit of happiness. XXXX XXXX XXXX XXXX is attempting to collect on a debt that was created through fraudulent misrepresentation on behalf of BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC and XXXX XXXX. Comenity bank furnished a Deceptive credit application pursuant to 15 USC 1692j, that did not give full disclosure pursuant to 15 USC 1631. Not only is XXXX XXXX XXXX XXXX attempting to collect a fraudulent debt, they have not obtained the consent of the consumer for communication. They have obtained my personal information for their own benefit with has resulted in my identity being stolen. They are in violation of 15 USC 1692c. The practices employed by XXXX XXXX XXXX XXXX and their staff have been an attempt to harass, damage my status with creditors and cause emotional distresses during a global pandemic.
10/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 35020	Web
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
07/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 43701	Web
I received a letter in the mail from The Bureaus Investment Group on XXXX/XXXX/2020, stating I owed them {$540.00}. I sent them a debt validation letter ( see complete mail exchange attached ) & received a response that does not constitute proper debt validation per The Federal Trade Commissions guidelines. All I received was an itemized list of the alleged charges they claim I owe. I requested Validation that is competent evidence bearing my original hand signed signature showing a contractual obligation to pay them. The Bureaus Investment Group is still reporting this collection activity on my credit report, even after they have failed to send proper debt validation. They are in violation of the FCPDA. This erroneous & invalidated information they are reporting to all 3 credit bureaus ; XXXX XXXX , & XXXX is causing great harm & embarrassment to my life. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. It is also causing me severe problems in trying to purchase a home for my family during this pandemic.
07/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web
Identity Theft account opened under my name with XXXX XXXX . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for XXXX XXXX , XXXX , XXXX , XXXX to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all XXXX credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by XXXX XXXX that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors XXXX 1. XXXX XXXX XXXX accounts 2. XXXX XXXX 3. XXXX 4. The Bureaus Inc 5. XXXX XXXX 6. XXXX XXXX XXXX 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX accounts XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX
12/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60827	Web
The Bureaus Inc continues to violate federal and state laws pertaining to debt collection agencies. The Bureaus Inc can not and have not gave me proof of their claim that I owe them. They continue to create and attach documents which doesn't bare my signature and statements which doesn't contain my correct address. I have sent several letters to the alleged collection agency and they refuse to terminate all collection efforts. The Bureaus Inc is not licensed as a collection agency in the State of Illinois with the Illinois Department of XXXX XXXX XXXX XXXX which goes against state law, however they continue to unlawfully try to collect alleged debts. I am requesting the Consumer Financial Protection Bureau investigate into this fraudulent company and their deceptive practices and willful and negligent noncompliance with state and federal laws. Please find screen recording attached of me trying to search for The Bureaus, Inc collection agency license in the Illinois Department of XXXX XXXX XXXX XXXX database and no such license populated. ( I tried searching different variations of their name )
08/25/2016	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	IA 52402	Web
I spoke with the collection agency person named XXXX XXXX and she was completely abusive and unwilling to work with me on anything. Told me she pulled my credit report and she proceeded to tell me that I was current with all other payments, which I was not. When I asked if I could make a payment arrangement she said, " You have NO money! How do you want to make a payment arrangement?! '' Told me to " borrow money from your mom ''. I repeatedly asked her if I was able to make a payment arrangement and she gave me no choice but to pay the amount in full. I told her I could not do that and she responded with " I 'll just send this back to the company saying you are refusing to pay this! '' Which I was not. I repeated multiple times that I was not refusing to pay it. When I told her that I could set up a payment arrangement she laughed at the amount I gave her that I was willing to pay. She then hung up on me. I sincerely hope that the call was recorded because she was completely inappropriate and unwilling to make any arrangement. I hope this is not how the company conducts their business.
03/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30152	Web	Servicemember
I sent two letters on two separate dates disputing debt to the debt collector, asking debt to be verified ( see attached documents ). Initial letter sent was sent on XX/XX/2023, sent certified to collection company regarding three accounts listed with account numbers on letter. The collection agency sent me an unsigned copy of a generic credit contract the company uses ( see attached ) and pages of credit card statements to an address that does not belong to me for all three accounts. I then sent a follow up letter on XX/XX/2023 certified return receipt demanding the collection agency send me verification with my wet signature and proof this is my debt, and the agency sent the same documents as was sent prior. In addition, I have asked the collection agency to cease from further collection actions, removal of debt from credit reports since the debt has not been properly verified under the CFPB rules. I urge you to please review the attached documents and assist me with the removal of these accounts on my credit report. I appreciate any and all assistance you are able to provide.
02/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32164	Web	Older American
XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX to direct all communications to : Creditors, Bureaus Investment Group Portfolio No XXXX XXXX and XXXX Bank, XXXX XXXX. XXXX XXXX XXXX XXXX in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {$79.00} and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.
10/11/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OR 97223	Web
There was a account open fraudulent so The Bureaus got that account in collections. I called them after many letters and I settle that account and paid {$260.00} on XX/XX/2017. They sold the settle account to another company and they want me to pay {$340.00} to settle it again. They have harassed me over the phone. I am XXXX and Last year I XXXX my baby from XXXX and I do not want to happen again. I paid that account and they are a dishonest company because they got the money and now pretending that they never got a payment. I need your help to solve this situation.I get hundreds of phone calls and when I speak with them its horrible how they treat me and make me feel like if I don't pay something bad will happen to me. I'm worried about my baby. Please just make them see that i paid that debt 2 years ago. Please just make it go away. God knows I paid that debt that was open without my consent. Please I beg you for help. I can't take any more of their phone calls. I am not working and I can not pay what they ask but that account should be close because I paid it 2 years ago.
04/10/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OR 97116	Web
I received a lawsuit summons from a company I do not recognize and have not received any direct notification, statement, or notice of intent to sue from them prior. There is a credit card account originally held with XXXX XXXXXXXX XXXX. According to the summons, the debt was purchased in a bulk sale from XXXX XXXXXXXX XXXX by Bureaus Investment Group in XXXX Colorado. According to the summons paperwork, the balance showing at the time of charge off on XX/XX/XXXX was {$1000.00}. I only recently found out about this creditor when I noticed it showed up on my credit report and I was trying to figure out who it was so I disputed it with the credit bureaus. Today I was served with the court summons as a response from the creditor in question. According to the summons paperwork from the Plaintiff and the circuit court of XXXX XXXX, it says I have 30 days from the date of service of the summons to respond. The paperwork is Dated XX/XX/XXXX and today is XX/XX/XXXX. I did not receive the paperwork until 30 days after therefore not giving me ample time to achieve counsel and respond.
04/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33625	Web
Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted the Bureaus on XX/XX/2021 and they sent me to XXXX. When contacting the lender XXXX XXXX XXXX ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, The Bureaus. I contacted XXXX XXXX, Operations Support Manager at the Bureaus Inc, and they claimed to not have knowledge of the account and sent me back to XXXX. Yesterday, I was contacted by XXXX. XXXX XXXX from XXXX offering me help with the account, but when I called back, they told me that I have to contact the Bureaus. They have been " playing this game '' since XX/XX/2021 when I first contacted XXXX XXXX XXXX. I am really concerned, worried and having XXXX issues about this account and what could happen if both lenders keep avoiding responsibility and denying the account.
11/14/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94066	Web
I called XXXX to inquire about the account of my deceased husband, M.F. SS # ending XXXX. There was an account with XXXX XXXX. It shows as a delinquent account on my credit report. When I reported my husbands death to XXXX XXXX XXXX, I guess they were representing Bureaus Inc. But I really don't know who is representing who, I was informed that I would not have to pay. So the account was closed and sent back to Bureaus Inc., When I called XXXX XXXX the told me to contact Bureaus Inc. When I got in touch with someone they told me to call XXXX XXXX XXXX. I was able to write and send an email on XX/XX/2019 to Bureaus Inc and I have not heard anything from them. I heard from XXXX XXXX, and they stated that they do not have the account. My goal here is to clear my name from this account as paid in full or have it taken off of my credit report. XXXX XXXX said they don't have the account, XXXX XXXX says they do not have the account so now it's on Bureaus Inc. Please clear my name from my deceased husband 's account from XXXX XXXX. Acct # ending XXXX
04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77586	Web
As of today XX/XX/XXXX Ive tried unsuccessfully to get in contact with the collection agency called The Bureau. Ive called several times and left numerous messages regarding a derogatory account listed on my credit report. This account was opened on XX/XX/XXXX with a balance of {$720.00} and the originator being XXXX XXXX Bank. I have had no contact what so ever with any representative from The Bureau nor has anyone from The Bureau tried contacting me before reporting this information on my credit report. I have no standing signed contract between myself and the Bureau and I have never done any business transaction with any employee of the Bureau. This account has a negative impact on my credit history and is by all means a defamation of character. This account also goes against the rules and regulations set forth by the FCRA to protect clients and their personal information from slander and misappropriation. I would like The Bureau to remove this account and its information from my credit report and be prevented from reinserting it at a later date.
02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 99202	Web
THE BUREAUS add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
05/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08081	Web
On XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX on XXXXehalf of Bureaus Investment Group Portfolio XXXX Llc about a debt that I was not aware of. I sent a debt validation letter requesting further Information on this debt and their right to even collect this alleged debt on XX/XX/2022. I received a letter back from XXXX XXXX XXXX XXXX on XX/XX/2022 with only billing statements and none of the information I asked for. I also sent Bureaus Investment Group Portfolio XXXX. XXXX LLC a letter requesting proof that the debt they claim I owe is valid by furnishing a contract bearing my signature or the original contract of such said debt via certified mail on XX/XX/2022. I received a response back from Bureaus Investment Group Portfolio XXXX. XXXX LLC on XX/XX/2022 back dated XX/XX/2022 with same information ( statements ) they sent to me through XXXX XXXX XXXX XXXX on XX/XX/2022. They have failed to properly validate this debt with a contract bearing my signature or original contract of such debt.Along with the other information I requested!
02/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11414	Web
Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me.
09/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30045	Web
CFPB THIS IS NOT A DU ; ICATE ACCOUNT. THIS IS ACCT NUMBER 3 UNDER THE SAME AGENCY. I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX OFFICE. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH XXXX DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.
11/11/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33134	Web
After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
06/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 95758	Web	Older American
I submitted a letter from the alleged company ( XXXX XXXX ) which showed that the supposed debt/loan was not carried out by said company. I also contacted the credit agencies to dispute the negative reporting by XXXX XXXX and my credit score was amended because of that proof. However XXXX XXXX failed to resolve the dispute on their end or notify any collection agencies that the dispute was a result of their reporting error and closed the dispute using incorrect data. XXXX XXXX failed to note in their report that the car loan in dispute doesn't match the sales record of a car I did buy and paid off was in good standing ( I've had the title to the car since XXXX ). XXXX XXXX also failed to note that the credit card listed was reported stolen in XXXX or XXXX and could not possibly have been used to get a car loan. This whole mess with the collection agency is the result of faulty reporting errors by XXXX XXXX which also failed to act on a previous CFPB complaint ( this is not a continuation of that complaint ).
01/17/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33324	Web
THE BUREAUS {$710.00} On XX/XX/XXXX I sent a letter over the The Bureaus to get more information on this debt that I do not recognize. They responded with a letter dated XX/XX/XXXX with a summary of the details which does not make much sense. Date of last payment showing XX/XX/XXXX but the date of the first delinquency is XX/XX/XXXX which is 85 days after the date of last payment. Charge off date XX/XX/XXXX which would be 243 days from the date of last payment but 158 days from the date of first delinquency which I thought would be 180 days for charge offs. Also I sent them another letter on XX/XX/XXXX for more information because nothing made sense including the bills they sent to me. Bill due dated XX/XX/XXXX with a balance of {$530.00} XXXX XXXX ) then a bill with no due date just a balance of {$710.00}. ( XXXX ) Where are the bills from XXXX? On XX/XX/XXXX there was a settlement letter from yet another place called XXXX XXXX XXXX XXXX on behalf of The Bureaus but nothing about what I have been asking.
04/17/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 761XX	Web
On XX/XX/2023 I sent out letters regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and XXXX. On XX/XX/2023 I sent a certified letters to both The Bureaus Inc and XXXX XXXX XXXX XXXX with no response from XXXX XXXX XXXX XXXX regarding this very important matter. This is effecting my credit score and how I provide for me and family. I feel like in this moment I am be taking advantage of and my concerns are being reduced to something of no importance because my disputes are being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will have no other choice but to file for litigation due to the stress this has caused me and my family. My information has also been impacted by the XXXX data breach and may have got into the hands of the wrong person.
05/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43211	Web
I have a a unverified account from THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUSXXXX 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 THE BUREAUS -XXXX 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 _THE BUREAUS -XXXX________ Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
06/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33428	Web
In response to the letter that The Bureaus, Inc sent to me in the beginning of XXXX I sent the following letter ( below ) to The Bureaus, Inc. on XX/XX/XXXX. To : The Bureaus, Inc : I_______, have written this letter to dispute a claim that is falsely listed on my credit report with your agency. See below. Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Account # : ______________ Your File # : _______________ Amount owed : {$430.00} After carefully reviewing the paperwork that I have received from your agency I have noted the following : ( 1 ) There is NO explanation as to how the initial balance of {$280.00} in XX/XX/XXXX was calculated. ( 2 ) Since then, only {$150.00} in purchases were added and the rest were excessive fees and exorbitant interest on an inflated balance. I demand that The Bureaus, IncXXXX produce the original credit card agreement SIGNED BY ME and a complete accounting of how the amount you claim due was calculated. I am NOT the owner of this debt.
04/23/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 92118	Web
I owed about {$80.00} to charter kids clothing department, in 2019 sometime in XXXX, then left to XXXX because of Covid-19 lockdown I was stuck there with my 8 months old baby, after coming back to USA in Aghast collection agency called me, telling me to {$270.00} I ask them what is original amount because I forgot exact amount, they didnt come back to me, I also explained my situation that let payment was not intestinal act, now amount is {$340.00}, I contacted them offering {$100.00}, and asking for forgiveness because I am single mother and cant work in COVID-19 situation, I requested them to let me speak with supervisor but, supervisor didnt contact me. They are asking whole amount, which I dont have it, I am not working, i cant buy second hand car because of my credit they have screwed up. They did not send me anything by post, just mounting amount, and repenters are stubborn just want their {$340.00} whole amount. Please help me, I am able to pay {$100.00}. Thank you
04/14/2023	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 30126	Web
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account name : THE BUREAUS # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
02/05/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 218XX	Web
I have been trying to contact The Bureaus, Inc. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that The Bureaus, Inc. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.
09/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30045	Web
I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY BR CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED BR BECAUS OF THE FRAUD. YOUR COMPANY FILED A BR CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR BR OFFICE. THIS CONSTITUTES BR FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH BR DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.
05/10/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 33702	Web
I have been receiving repeat threats from a company called the XXXX XXXX XXXX. I have sent 3 different debt 609 validation letters to this company without a response. However today I received a call from this company and spoke with a XXXX XXXX who proceeded to be very rude and say this debt was mine and I made payments on this card and it is mine. I advised him that this debt was not validated properly. He advised me that the debt was mine and that I needed to pay it with very abusive and threatening language. I asked him was he allowed to even licensed to collect a debt in my state and he refused to answer my question. He told me that he would update my account as a refusal to pay and that they would keep calling my phone. I am outraged that this is happening to me and that I am being harassed in such manor. I did not give this company permission to call me or place this debt on my credit and this is a violation of my rights.
09/09/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 91401	Web
On XX/XX/2021, I contacted The Bureaus Inc. to pay off the {$560.00} debt that was claimed on my credit report. I was given the runaround by their automated system, and was forwarded to XXXX XXXX XXXX. So XXXX XXXX XXXX did not have any details about my account and I was told to call The Bureaus Inc. back with a blocked number, by dialing XXXX first then their number. Well, I called The Bureaus Inc. with a blocked number, this time, and got to them at last. But, The Bureaus Inc. told me that they don't own this debt any more and that the XXXX XXXX owns this debt, and so there is no way for them to accept a payment from me. Ok, so I filed a dispute on XXXX to get them off my credit report. The dispute was rejected because The Bureaus Inc. somehow proved that they own this debt. So, I called XXXX and told them this story. I was advised by XXXX to escalate this issue with FTC. I hope you can help me out. Thank you in advance.
11/25/2015	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10705	Web
After receiving a call for the first time, was told they called me XXXX times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.
02/17/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92115	Web
XX/XX/2017 amount of {$490.00}. An account that was opened underneath my name I have no recollection of. I spoke with the collection agency and I stated I neve had the card. I spoke with capital one who was the original credit company. And they searched their records and they do not have any information of the application or the credit card being tied to my social. I followed their example and wrote the collection agency stating the facts. I as well wrote a written letter to all three credit bureaus and explained the situation. As well wrote capital one themselves per customer care to have it removed and they refuse to remove it. As well i feel and believe they are rebuying the collection report to keep it on my credit report for longer than it should be. I feel i am being abused by the company and they are not removing false information from my report. I even wrote the XXXX and they refused to respond to the complaint.
03/31/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 43512	Web
In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified XXXX of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said XXXX would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.
09/17/2021	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	OH 43228	Web
I have contacted The Bureau and XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent The Bureaus and XXXX XXXX a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to The Bureaus and XXXX XXXX to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and The Bureaus and XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay The Bureaus and XXXX XXXX collection agencies could not provide that information. I want this information removed IMMEDIATELY!
04/02/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	IL XXXXX	Web
Received a phone call from XXXX XXXX XXXX XXXX Collection Agency re : an account for Bureaus Investment Group Portfolio No 15, LLC for Merchant Credit Card @ XXXX ( Last 4 Digits on card- XXXX ). Fast # XXXX and balance is {$830.00}. After I explain to the representative that I am a victim of identity theft and have NEVER applied for or open a charge card w/XXXX XXXX. He took my information and sent me a FRAUD PACKET and details regarding the fraudulent charges. I filled out affidavit and provided all requested detail : police report, current gov't id ( license ), etc. Again, the card and charges are not mine, and I would like the account flagged as fraudulent and my name cleared. Also, this credit should be CLOSED OUT w/XXXX XXXX AND FLAG AS IDENTITY THEFT. Note, the address for statement states XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX - I have NEVER lived in Arizona ( See attachment. )
01/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 93230	Web
The Bureaus is a debt buyer/collector who purchased a XXXX account ; I settled this debt in XXXX XXXX with The Bureaus ( see attached settlement letter and proof of payment ) but The Bureaus continued reporting the account to the credit reporting agencies with a balance. I disputed the account per the FCRA both with the credit reporting agencies and The Bureaus directly and the account was removed. However, I now find that the account is, again, reporting to the XXXX credit reporting agency with a balance of {$410.00}. Since XXXX originally removed the account from my report, The Bureaus obviously re-reported the account in error. Per FTC Staff Opinion letter, dated XXXX/XXXX/XXXX, the reporting of a charged-off debt to a consumer reporting agency is a collection activity, therefore this erroneous reporting by The Bureaus is a violation of both the FCRA and the FDCPA as well as a violation of the FCBA.
10/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90015	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. These accounts are 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 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collections were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY ; THE BUREAUS ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$1100.00} THE BUREAUS ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$270.00}
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 612XX	Web
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. If you can expedite this request to look into this matter for me, I would really appreciate it. Thank you in advance.
07/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60504	Web
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 310XX	Web
There are numerous inquiries on my account affecting my credit score. The Bureaus Inc did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My XXXX XXXX credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.
11/13/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90047	Web
XX/XX/2019 I paid my XXXX XXXX XXXX balance in full after learning from customer service that I had missed a payment. I continued to make my monthly payment even though payment had become an issue. Prior to this I had always paid my balance in full each month. I asked the creditor on several occasion to remove the excessive charges as a goodwill gesture. Original creditor : XXXX XXXX XXXX refused to do so and has continued to assess late fees, and/or finance charges, and/or other fees causing my account balance to exceed my credit limit. XXXX has reported this on my credit report. This has negatively effected my good credit score. XXXX sold the account to a debt collector : THE BUREAUS who continues to increase the balance and causing my credit rating to go bad, thereby causing me to miss opportunities to improve my credit rating and create a better standard of living for me and my family.
12/18/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	PA 15205	Web
THE BUREAUS INC Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called THE BUREAUS to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37064	Web
My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a XXXX, as well as 2 accounts for XXXX XXXX, NA ( which I believe are duplicates again, like my XXXX XXXX duplicate accounts ). XXXX XXXX, The Bureaus AND XXXX are all reporting collections. XXXX credit card XXXX XXXX XXXX, XXXX, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with LVNV, and therefore these 3 should be removed rom my account. I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom XXXX XXXX, XXXX. ). These debts need to be removed rom my credit report for all of the above stated reasons
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19150	Web
I have been contacted multiple times by phone and XXXX mail from a company called XXXX XXXX. i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with XXXX XXXX XXXXXXXX XXXX 2. a signed application by me agreeing to a credit card with XXXX XXXX XXXX 3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX XXXX XXXX 5. the age of the debt 6. XXXX XXXX XXXX XXXX XXXX license number 7. XXXX XXXX XXXX proof of ownership
10/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48239	Web
I sent the bureaus a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021. in regards to inaccurate accounts with The Bureaus i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33461	Web
I filed a Dispute with each Credit Bureau on The Bureaus for a {$390.00} Collection on my credit report in XX/XX/XXXX requesting proof of balance and documents since I never physically had a credit card or statement for this account. Yesterday, I received a letter from XXXX XXXX XXXX and called them to find out if what the collection was about and if it could be negotiated. I assume The Bureaus does not have this XXXX XXXX any longer but still reports it on my Credit Report. XXXX XXXX XXXX told me I had a XXXX Contract and had made a {$90.00} Payment in XXXX which I do not recall so I filed a XXXX XXXX Dispute today wanting proof of the Contract, proof of Payment and " Chain of Title '' or COT from the original creditor. The Contract Statue of Limitations is 5 Years in Florida. I would like The Bureaus {$390.00} Collection removed from my Credit Report. Thank you!
07/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 757XX	Web	Older American
The bureaus inc Company violated the fair debt collections practices act by implying that the debt had been sent to an attorney. After notifying them if the violation they removed the comment from my file where they stated it has been sent to an attorney, verifying guilt. Item should be removed. They are trying to collect more than the debt amount listed by the original creditor, not because of fees or interest, they just have the wrong amount listed. This violates the fcra. The item should be removed. They sent me an unsigned blank binder as verification of the debt. They are verifying the debt with a blank document. This is fraud. The item should be removed. I never opened this account, this item is the result of identity theft. As proven by the unsigned blank binder that they are using in an attempt to fraudulently verify the debt. The item must be removed.
06/12/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 91403	Web
I am writting to report multiple violations to my rights as a consumer. The account information : The Bureaus INC : XXXX, original balance {$9800.00}. The Bureaus Inc has committed multiple violations : 1. Re-aging account : Account has been re-aged for sure, went to collection in XXXX and. showing fall off year of XXXX, meaning 7 year started from when the item was given to collection and not original charge-off date Unfair business practices. 2. Incorrect last activity date. 3. Incorrect last payment date. 4. Breach of contract 5. Negligence I am demanding a deletion letter, this item must be removed from my report. This situation is overwhelming for me. I cant wait too long to get this matter solved. Please send me a response asap. CFPB : Please send the attached documents to the company. Thank you very much.
06/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60644	Web
This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt. also violates 15 USC1692 ( e ) 11 Name -The Bureaus amount : {$1500.00} date : XX/XX/XXXX 2.XXXX Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date : XX/XX/XXXX 4XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX amount :XX/XX/XXXX& {$100.00} date : XX/XX/XXXX & XX/XX/XXXX6.XXXX XXXX every account
03/30/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60901	Web
I Checked my credit report with the 3 credit Bureaus and seen that XXXX was reporting an inaccurate debt. On my credit report it reported a high balance of XXXX. XXXX XXXX/XXXX XXXX. I sent sent to XXXX a letter to verify debt, XXXX responded that the debt was verified and accurate. I requested validation of debt from XXXX XXXX. I received a bill with a balance of XXXX ( see attached ). I am aware that a bill does not constitute that i owe a debt. I then received a response from XXXX XXXX XXXX on XX/XX/20 stating that I owe a balance of XXXX. I have received 3 different balances all are reporting different and inaccurate. By federal law any items that report on my credit report must be accurate this in violation of my rights and must be deleted immediately. I have attached all correspondences from each company
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 601XX	Web
Today, I am writing this complaint to THE BUREAUS INC regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
02/22/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IA 502XX	Web
In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus Investment Group Portfolio NO 15 LLC. In XX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus Investement Group Portfolio NO 15 LLC about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.
02/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32822	Web
I disputed a collection account with the debt collector and they verified the debt as accurate with the credit bureau. I have tried to contact them directly using the contact information provided on their website and as reported in XXXX XXXX and I can not get a hold of a live representative. The phone numbers listed seem to be valid but they always lead to a voicemail box, even during the displayed operating hours on their website. I have not received a phone call back after leaving several voicemails. The collection agency is called The Bureaus Inc. and their website is : https : //thebureaus.com/ Their advertised phone numbers are as follows : XXXX - Toll Free XXXX - Local It should be unlawful to report information to a credit bureau and not offer live assistance to a consumer wanting to verify a debt.
08/27/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 480XX	Web
On XX/XX/20 I called to see why on my credit report it was showing a balance instead of saying that the debt was settled and was transferred and hung up on several times before reaching anyone. Once i reached a representative, he was very rude and told me to pay the balance and that this was going to remain on my credit forever. I asked him why when my account was settled by another representative. I am blaming the Bureaus because they hired these shady people to take payments for them and lie and say that everything would be settled and deleted from my credit report as soon as i settle but lied to me because it is still on my credit report. I would like this to be deleted just was I was told and want information that it will be because i went even far as leaving compliant and was never contacted back.
02/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33065	Web
The Bureaus are attempting to collect a debt that was already acknowledged as fraud, was removed from my credit report as fraud. The Bureaus have purchased a debt that is identity theft. The original creditor has acknowledged this as identity theft. The bureau sent me statements how does this proved that i made these charges and opened this account when it was already proven as identity theft. Then once I send them a letter stating it is identity theft, the bureaus then add this false collection to my XXXX report that it was not reporting on. Sooo in essence, I tell you it's fraud and you continue to perpetuate this fraud by then adding it on more than the bureau it was reporting on? this is illegal. How do you scam people like this, and it is ok? do you think people do not know their right????
09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77089	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that THE BUREAUS would verify the debt. So I took it upon myself to ask THE BUREAUS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
04/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
The Bureas reported to my XXXX, XXXX, and XXXX credit reports 2 collection accounts for XXXX XXXX in the amounts of {$600.00} and {$520.00}. The credit agency illegally placed this information on all three bureaus without sending me notification of the debts and the option to request validation and if validated to dispute. This illegal reporting has made a negative impact on my credit report. Also, the information to contact the lender is different on the credit reports. On the XXXX report the contact information for The Bureaus is XXXX XXXX XXXX XXXX, IL XXXX Phone number XXXX. On the XXXX report the address is XXXX XXXX XXXX XXXX XXXX XXXX, Is XXXX Phone number XXXX. Therefore making it difficult for me as a consumer to know which number and address is accurate to dispute or possibly settle.
04/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web
My previous complaint # was XXXX My name is XXXX XXXX and I have given this company an Affidavit Of Identity theft and have informed them they are in violation of my rights by listing a fraudulent account with the credit reporting agencies. They are not also violating 15 U.S. Code 1692g, as only the consumer can validate a debt. I have informed this company numerous times this account is fraudulent and they continue to violate my rights. I am asking CFPB to violate this company and issue a fine in the amount of {$3000.00} for several violations they continue to commit and I also demand deletion of the fraudulent account. Once again, this company has not provided me with a solution to any of my complaints. I do not want a fraudulent bill history sent to me, I want this account deleted now.
01/24/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 45424	Web
I settled an account with the original creditor, XXXX XXXX XXXX. This account is paid, settled and closed. However, the collection agency, The Bureau, continues to report to the credit bureaus that the full amount is still owing. This means I would have to pay this debt twice. According to the FCRA, consumers do not pay a debt to the original creditor and the collection agency. I have contacted the collection agency to no avail to resolve the false reporting. The original creditor had to option as indicated in my letter to decline my settlement offer and refer me back to the collection agency, The Bureaus. but XXXX XXXX accepted my settlement offer. According to The Bureaus reporting I still owe a debt that has been settled with the original creditor. This is false information being reported.
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 92335	Web
On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX did not delete as requested and just updated the accounts for The Bureaus Inc. As relevant proof I disputed these The Bureaus Inc accounts with XXXX XXXX since XXXX had a different name reporting along with my other personal information, as a result XXXX deleted the erroneous The Bureaus Inc accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX credit report.
01/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08859	Web
After sending 2 certified letters requesting the original purchase agreement bearing my signature, I have yet to receive it. A printout with my name on it from any computer is not validation of any debt. The Bureaus Inc. stated that I opened accounts with stores I would never even shop at back in 2016 and still do not shop at today. At XXXX XXXX XXXX, I was not even thinking about credit due to focusing on my studies. As stated previously, I've never owned a credit card! Additionally, after looking up the license for the Bureaus Inc. they can not legally collect on anything in the state of New Jersey because they don't have a license to do so. I wish for them to stop harassing me and remove the negative information off of my credit report because I have never had any credit cards!
10/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45044	Web
I used a credit repair agency take care of the only collection on my credit report. The bureaus Inc. could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with XXXX XXXXXXXX ( the original creditor according to the bureaus inc ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.
12/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 782XX	Web
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under The Bureaus Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as XXXX XXXX XXXX had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
10/04/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 337XX	Web
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. THE BUREAUS INC is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. THE BUREAUS INC have used abusive, deceptive, and unfair debt collection practices. THE BUREAUS INC have violated my consumer right to privacy, I NEVER gave them any my information directly and THE BUREAUS INC has committed the crime of IDENTITY THEFT. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the THE BUREAUS INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
08/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 12533	Web
For the last year I have been back and forth with the credit reporting agencies about a collection agency called The Bureaus, whose account have been reporting on my credit report. This account does not below to me. The credit bureaus keep responding stating that I should contact The Bureaus because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with The Bureaus which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the accounts are reporting on my credit report
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19711	Web
1. The Bureaus Inc., have sent me : XXXX as the collection account number, this is not the account number they put into collections on all three credit bureaus, which is : XXXX. This is inaccurate. 2. The Bureaus Inc., have reported this account as " open '' and " closed '', inaccurately across all three bureaus. It is closed, not open! This is inaccurate. 3. The Bureaus Inc., report the Date of last activity was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. 4. The Bureaus Inc., have reported Date Reported as : XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. " The federal Fair Credit Reporting Act ( FCRA ) promotes the ACCURACY, fairness, and privacy of information in the files of consumer reporting agencies. ''
05/12/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 94531	Web
I discovered an unknown collection account on my credit from a company called The Bureaus Inc Account Number XXXX alleging that I owe a debt to XXXX XXXX. I have never had a XXXX XXXX card in my wallet or in my possession. I have never received a bill or nothing of the sort from XXXX XXXX. Now as of yesterday- there are now in fact 2 collection companies reporting on my credit in regard to the same unknown account with XXXX XXXX. The new company is called XXXX XXXX XXXX. Once again, I have not received a notice from XXXX XXXX because I have never had dealings with them. I also never received a collection notice from either of the collection agencies and they both are reporting the account on my credit and coming after me for the same debt at the same time.
03/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 191XX	Web
I have written 2 dispute letters to The Bureaus, dated XX/XX/XXXX, and XX/XX/XXXX. They have never responded to either of my letters. Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, twice. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.
01/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 486XX	Web
On XX/XX/XXXX a collection amount of {$630.00} was opened and placed on my credit report as a derogatory remark by XXXX XXXX a credit card by XXXX XXXX that I had paid off in XX/XX/XXXX it was only {$85.00} left on my statement. I reached out to the company and told them that I did not receive any paperwork on why it's being sent to collections and was never notified about any payments that had to be made nor did i get any mail saying i owe any money when i paid off the card. I now can not get anything done when it comes to mortgage, car service, loan service because of this mark on my credit and the company did not show any help. I'm XXXX years old and I don't think this should be haunting me into my adulthood when the bill was paid already.
10/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
This company The Bureaus has yet to show proof of an account that they claim is mine. I believe it was the capital one account i dispute a year ago, which was deleted off my account due to it being an error. This company the Bureaus is not a law firm/ or stating litigation. They are simply just trying to get money out of me with no proof of signature regarding an old incorrect issue on my credit reports. They need to delete this negative incorrect information for XXXX dollars off my account as this is not mine nor do i owe this money. This wrong information was settled last year when it was deleted. I sent them a certified letter via mail more than 30 days ago to stop harassment and to delete. However it is still on all three credit bureaus
02/23/2021	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 94010	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32309	Web
I've contacted this Collection Agency 3 times now and have not had a response back. I've waited the recommended time ( 30 days ) per letter and I've sent every letter Certified Mail with no response back from them. I'd like to get this debt they say I owe, validated to ensure this is my debt and they have not provided the original signed document with my signature on it as proof of debt. I have contacted the 3 credit bureaus ( XXXX, XXXX, & XXXX ) and they have stated that they were able to validate and verify this debt by the collection agency but did not state HOW it was validated and I would like the proof of my owing this debt because otherwise it is hurting my ability to purchase a house and enjoy a life of good credit.
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 368XX	Web
This collection company, The Bureaus Inc, is reporting incorrect information on my credit reports from an account with XXXX XXXX. The balance is incorrect. I have disputed the information with the credit bureaus. The company has verified the information as accurate, but failed to provide documents proving the balance. I also sent a letter to the company requesting a full accounting record of the account that proves the balance. The company failed to send me this information. The balance reported is not correct. The company is reporting the balance higher than the high credit amount, which is never correct. Again, I have disputed this information several times and it has not been corrected or deleted from my credit report.
07/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web
All my online disputes through the Bureaus were closed and determined accurate, I was not provided any additional information. I then wrote and mailed letters via USPS. First letter was in response to debt collector recent claim regarding money I owe showing on my report. Complaint started back onXX/XX/2020. requested proof & evidence which they failed to provide at first and by not replying in a timely manner to my initial letter they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 2nd letter requesting additional information received photocopied inaccurate documents of debt. 3rd letter due to be sent out, which I will notarize.
08/12/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85365	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 trail/Certified Final Forensic Internal Audit 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 G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
03/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 170XX	Web
The Bureaus XXXX company is attempting to collect on a debt that has been discharged in bankruptcy. I spoke with an individual in this company on XX/XX/XXXX and he agreed that the card was discharged in bankruptcy and that he was sending the information over to another department and I would hear back. After not hearing back by XX/XX/XXXX, I called again and left a voicemail. No response. Currently I am attempting to move closer to a specialized XXXX hospital, this collection account that should not be here, is impacting my ability to find housing, forcing me to drive 3 hours each way to the hospital for treatment. Even the original creditor has this marked as discharged in bankruptcy on my credit report.
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 191XX	Web
THE BUREAUS ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
10/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 188XX	Web
This debt is not mine. Has been on my credit for years dispite as they say on my credit since XX/XX/19. Attached is a copy from all 3 credit bureaus. Ive written to the bureaus XXXX XXXXXXXX XXXX and this company, THE BUREAUS, whom are the collection agency. I want to see a copy of a contract between the Bureaus and myself and I want to see my signature on it. If they can not give you this in a letter, then I want this off my credit. Attached is my USPS return receipts ive sent and a copy of my credit report as they are reporting it. They have not given me anything, nothing. Just reduction letters and nothing else. Remove immediatly, thanks The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thanks. You so much
03/08/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30088	Web
THE BUREAUS INC did not have my DIRECT consent to communicate with me. In an attempt to collect an alleged debt THE BUREAUS INC used the medium form of my consumer credit report to communicate an alleged debt to me. THE BUREAUS INC 's actions also displayed this alleged debt information to others that had access to my consumer credit report. THE BUREAUS INC disgraced and defamed my character as a consumer, by reporting this alleged debt on my consumer credit report. These actions are unfair and abusive practices, and are not in compliance with the law. THE BUREAUS INC, has not provided any lawful proof that I signed any agreement/ contract with THE BUREAUS INC that would make me liable for the alleged debt.
05/18/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 951XX	Web
THE BUREAUS INC, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Is aggressively attempting to collect on the debt that is not mine ... Numerous attempts to request validation of this debt from them went ignored. Yet they are reporting this to all 3 CRAs on monthly basis further damaging my credit. They claim to be collecting from or on behalf of Original creditor XXXX XXXX XXXX XXXX whom I don't recognize and the original creditor is NOT reporting on my credit report. Few letters came undeliverable that were address to The bureaus inc, to the address reported to credit bureaus ( see attached evidence ) I find this account being erroneous, illegal and in violation of FCRA rules and regulations
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11563	Web
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX : {$1900.00} XXXXXXXX XXXX : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
06/13/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	TN 37323	Web
I was called at XXXX XXXX Eastern time and that is a clear violation. They were told to no longer contact me on XX/XX/XXXX and they tried calling me again. this is a CLEAR VIOLATION OF THE FDCPA They violated 1. Continuous communication - after I requested on XX/XX/XXXX for them to no longer contact me on the phone. 2. Not identifying themselves - as they have this whole time, spoofing numbers and not identifying where they are calling from or who they are. 3. Ignoring a request to cease communication as i requested XX/XX/XXXX 4. calling after XXXX XXXX. i received a call at XXXX XXXX eastern time they are the only creditor in a different time zone and who had used tactics that violate FDCPA
09/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 190XX	Web
Ive never been physically contacted by this collection company, I saw it via a fraud alert on my XXXX credit report ... this is a 3rd party company that is attempting to collect a invalid debt, prior creditor XXXX XXXX closed this account per my request in XXXX, the account was opened in XXXX without my consent nor acknowledgement via online ... I demanded in XXXX that XXXX close it ... and release my name from any accounts, they responded via phone call, I filled out fraud packet in XXXX and sent it to them ... completely invalid debt ... this company the " Bureau '' re-filed it in XXXX of XXXX ... with erroneous data ... and it has hurt my credit score and defamed my otherwise decent name ...
11/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 074XX	Web
The Bureaus company is reporting to my credit report that I am in collections with XXXX XXXX. On my credit report you can see that XXXX XXXX was not in bad standing and was paid off without getting even close to collections over seven years ago. I currently have another XXXX XXXX as well, also in good standing. I tried to dispute through XXXX XXXX and they said it was legitimate even though there's no history of where it came from and I tried again with XXXX and same result. There's no history on my credit report from them besides this collections which they keep updating to being more and more recent. I asked them to provide me with a copy of the history of the account and they never sent it.
06/07/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10467	Web
I noticed on my credit report that an Agency by the name of " The Bureaus " has put a collection debt on my credit report. I have sent them notices to " VALIDATE '' not " VERIFY this claim and send any VALID proof that this Debt belongs to me. They have unsuccessfully provided any Validation that I have a legal obligation to pay them any such money claimed. I have also reached out and sent notices to the 3 Credit Bureaus, XXXX, XXXX, & XXXX about reporting this false claim on my credit report as well. None of the above institutions can provide any proof that I owe this money to said Company-The Bureaus nor that I am legally obligated to pay amount claimed nor that this account belongs to me.
01/27/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21740	Web
I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/19. They said that Bureaus Investment Group Portfolio NO 15 LLC has purchased an account ending in XXXX from XXXX XXXX XXXX and they will be helping to collect the debt. I had within 30 days to dispute it. I never received a letter from XXXX XXXX or Bureaus Investment Group Portfolio NO 15 LLC. I responded to XXXX XXXX XXXX XXXX XXXX with a certified dispute letter dated XX/XX/19. The receipt number is XXXX XXXX XXXX XXXX XXXX. They received it on XX/XX/19 at XXXX. I waited a month for a respond. They ignored my dispute letter and sent another letter dated on XX/XX/19 offering to settle the debt for 79 % of the balance.
08/12/2021	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	TX 77077	Web
Please remove the accounts I have listed here. These companies have had more than 90 days, which I have given them more than enough time and 3 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Some of these companies send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more
02/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70131	Web
Hello as of XX/XX/2020 ive been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple account of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed to file out a police report. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report.
07/22/2021	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 Was not notified of investigation status or results	TN 38118	Web
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
05/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30046	Web
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
09/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60827	Web
YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS The Bureaus, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$300.00} on my consumer report, the collection is being reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, The Bureaus, XXXX, owe me in my Bill of Particulars.
03/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 22042	Web
XXXX Credit Bureau consistently reports the collection as an OPEN ACCOUNT, which is not compliant with the Fair Credit Reporting Act ( FCRA ). It is deemed as inaccurate reporting and needs to be removed from my credit report immediately. The collection has appeared as an OPEN ACCOUNT since XX/XX/XXXX. The last reporting activity on the account is XX/XX/XXXX ; however, XXXX keeps re-aging the credit history when disputed. Re-aging is a severe violation of the FCRA. It makes the account in question look more recent and causes severe damage to my credit score. XXXX is reporting the account as an active retail account. Please see attached documents.
01/17/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. 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 trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for IC Systems to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
12/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 196XX	Web
i have contacted all XXXX credit bureaus as well as THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation,
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	GA 30044	Web
Notice to Intent to The Bureaus Inc, You stated in the previous complaint and also attached that my account was sold to you. However, my non-public personal information was sold to you unethically. During this transaction, I was an uninformed consumer. You have defamed my character and the reporting of this account is affecting my livelihood and reputation. In addition, you stated the debt is valid however, my name is not XXXX XXXX as stated on the letter you sent to me that is attached as well. Under the FDCPA and FCRA, the Entire account must ME VALID, ACCURATE, AND FAIR. AGAIN MY NAME IS NOT ( XXXX XXXX ), MY NAME IS XXXX XXXX.
12/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19320	Web
After months of intense disputing with the credit bureaus, XXXX XXXX, and The Bureaus directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from the Bureaus!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!
04/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web	Servicemember
On XX/XX/2020, I received an alert from my credit report that I owe an amount to a company called The Bureaus. I have tried to locate a number for this company as it is 3 different addresses listed on my reports. As I do further research, on the attorney general website of Florida, The Bureaus isn't listed as a licensed company to collect in Florida. I have no knowledge of the said debt and this company did not send me the proper debt validation before reporting negatively to my reports and heavily impacting my scores. This company is within 2 violations and I request that this company is removed from my credit reports promptly.
04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33060	Web
I've disputed the account numberous of times and XXXX and XXXX states account is verified. I've also asked XXXX and XXXX to prove to me how was it verified. Neither bureau was able to disclose to me what methods they took to verify that the account is accurate. My consumer rights are being violated. The inaccurate information that is reporting on my accoun is unfair and unequitable pursuant to to 15 USC 1681 ( a ) ( 4 ) I've attached a report from XXXX indicating that this accoun has already been removed from my profile. I demand removal of this inaccurate account reporting on my profile. Remove account XXXX from my report.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72301	Web
I recently found after checking a copy of my credit report I noticed some inaccurate information reporting fraud-related accounts that were opened without my knowledge or consent. I have made contact with all parties involved and this account still remains on my credit report. I have submitted several pieces of supporting documentation to further validate my claim. I am exercising my rights under the FCRA and FDCPA in regard to victims of identity fraud. I've never had any account or contract associated with the Bureaus Inc nor received any goods, services, or money in relation to any account associated with the Bureaus Inc.
03/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39402	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
10/19/2021	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 11692	Web
I request that you CEASE and DESIST in your efforts to collect on the above referenced account. It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account. You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable federal and state law. Remove this account from my credit report. There are several FDCPA violations that your company has committed. Each violations carries a {$1000.00} fine. I have found a total of XXXX FDCPA violations ( {$8000.00} ). GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
01/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92392	Web
I have absolutely no idea what this account is, I have never opened a account with this creditor nor this debt collection agency and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. The account The Bureaus for {$950.00} with the balance date ( X/XX/20 )??!?!?!?! And XXXX for {$600.00} I have never had a XXXX account nor have I opened a card or left a balance of anywhere near {$950.00}.
11/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07050	Web
I took out a credit card from XXXX XXXX back in XX/XX/XXXX in the amount of XXXX dollars. I filed a chapter XXXX back in XX/XX/XXXX, and the credit card amount was part of the chapter XXXX, it was discharged. The collection agencies which held the debt refuse to close the account. I filed disputes with the credit reporting agencies, it seems as if the credit collections are playing games also with them. The credit collections that I called today XX/XX/XXXX made me go in circle between XXXX XXXX XXXX and the Bureaus. I called these numbers : XXXX and XXXX, I was only getting back to where I started from to no avail..
11/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30127	Web
Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my XXXX Credit file. The company name is The Bureaus. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now XXXX has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate XXXX and make them aware of these are unlawful practices.
05/16/2017	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 93035	Web	Older American, Servicemember
The Bureaus is repo rting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California, XXXX XXXX , ordered in my divorce that the bill be paid by my former husband XXXX XXXX XXXX . I have supplied a copy of the court findings, and names and addresses of the Executor o f his Estate to the B ureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. Th e Bureaus failed to follow up on this information and was negligent in trying to collect the money. Therefore they should not be allowed to report it as my debt. Respectfully XXXX XXXX XXXX
11/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34761	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. In spite of the numerous previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to remove : THE BUREAUS INC - XXXX
10/29/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 63901	Web
Received letter showing a past due debt from XXXX XXXX. I went through a debt consolidation a few years ago and settled all of my outstanding credit card debt. Since this time, Ive been able to get a couple of credit cards from XXXX XXXX which seems very odd they would offer me new accounts if I was trying in default on an account with them. Ive contacted the debt collection company, The Bureaus in XXXX, IL, and notified them that I disputed the debt. They have sent no additional information about the loan to verify it is accurate. It is showing up on my credit reports and I do not feel that it is correct.
04/07/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19403	Web
I have disputed this account with the credit bureaus and The Bureaus. I have received no response whatsoever. I do not know who The Bureaus are, or why they are on my credit, I have never done any business with them, ever. I have no contracts signed with the bureaus, and the debt remains unvalidated, but they keep calling me at home, on my cell, and at work, and I have begged them not to. I have no relationship with The Bureaus and want them to leave me alone. I believe they have been using unfair debt collection practices and also have used abusive language towards me when I asked them to leave me alone.
04/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73120	Web
I have been going back and fourth with this debt collection company for almost a year now. I've reached out to the Credit Reporting Agency and the companies themselves! I've filed a XXXX complaint, FTC Complaints and sent numerous letters and everything. But still nothing is happening at all it is still on my credit report. They sent me statements and bills with a completely different name and i told them that this is not my account, i never received any goods or products nor have i personally ever made a payment to this company on my account. This is causing me stress and really hurting my reputation.
08/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19139	Web
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They 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. Below is the list of the erroneous account reporting on my Credit Report : THE BUREAUS ( Original Creditor : XXXX XXXX ) -Balance : $ XXXXDate Opened : XX/XX/20XXXX XXXX
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75115	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
08/04/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	LA 70363	Web
i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is XXXX years which makes this a time-barred debt.bureaus investment group, llc.XXXX no XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.
09/21/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AZ 85713	Web
The Bureaus Inc. had purchased a debt from XXXX XXXX that had already been paid. I disputed with XXXX XXXXXXXX about 8 weeks ago. They determined the dispute was valid and repurchased loans from The Bureaus Inc. about 5 weeks ago. The Bureaus Inc. Is still reporting on my credit report from XXXX and XXXX. I filled a dispute via XXXX at the beginning of this month, spoke to a customer service representative from XXXX whom stated, '' The Bureaus Inc have not sent for this account to be deleted '. I 'm in the process of purchasing a home, the tradeline from the bureaus, is avoiding the purchase.
07/03/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60506	Web	Servicemember
I learned that my information was sent to a collection agency from XXXXXXXX while I was out on military leave. I have been trying to get a hold of " The Bureaus Inc '' to request them to send me verifiable information to prove that this account belongs to me. I have called XXXX/XXXX and they told me that the account was sent to two different agencies : " XXXX XXXX '' & " The Bureaus '' they have different phone numbers. These two collection companies are constantly harassing my family members and friends. I need to have these collection companies to answer my request as soon as possible
04/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 778XX	Web
! n accordance with the Fair Credit Reporting act The Bureaus acct XXXX and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction The Bureaus has been sending me collection notices in the amount of {$630.00} and {$730.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
02/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48091	Web
I have contacted all three credit Bureau, XXXX XXXX, XXXX and The Bureau to get this resolved since XX/XX/XXXX. XXXX credit agencies are reporting the same debt two different amounts and days apart. It is also showing as past due but was satisfied via garnishment and should state collection paid as of XX/XX/XXXX. This is with XXXX funding and The Bureaus. XX/XX/XXXX & XX/XX/XXXX is the reporting date in the amount of {$1500.00} & {$1500.00}. XXXX XXXX is reporting an account on XX/XX/XXXX in the amount of {$72000.00} this is not my account and nor was there an inquiry completed for this.
02/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48044	Web
I am not swayed that the Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. The payment history is not showing on this account which make my suspicions accurate and true. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with THE BUREAUS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00}
06/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 323XX	Web
I have an unverified account on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I have disputed the validity of this debt and requested verification of this account but there was no response .Therefore I am requesting this debt be removed for three reasons. 1. ) Account not marked disputed in a timely manner. 2. ) Unable to provide proof of this debt, and 3. ) No response to letters of validation. In this complaint there will be documents showing the collection agency received two certified letters. Thanks in advance for your cooperation
02/11/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	ME 042XX	Web	Servicemember
I have a collection on my credit report from The Bureaus , Inc. i have Made several attempts to call and pay a reasonable amount as this is not the amount of debt actually owed. When I call, there is no agent. I enter My social security number and Im sent to a completely different company, Indebted. No one answers the phone and you are forced to leave a message. No one ever calls you back. I am not able to pay debt because they refuse to call back. I have called for 2 months. No call back. So, I disputed the collection because they dont let you pay it, in turn the debt increased.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62040	Web
On XX/XX/2019, The Bureaus added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, The Bureaus has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
07/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AR 721XX	Web
The Bureau is reporting a debt owed to all three credit bureaus. The amount reflected is {$780.00}. I participated in a debt relief program through XXXX XXXX. All delinquent accounts were settled in full as a part of this program. While I was participating in the program XXXX attempted to contact The Bureaus for information to settle the debt and received no response. I have asked the company to verify the debt so that I can be sure that it is not a duplicate of one of the accounts that were paid during the debt relief program. I have not receive any evidence that I owe this debt.
09/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 42431	Web
On XXXX XXXX, The Bureaus, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, The Bureaus, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.
09/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78249	Web
Date opened:XXXX Balance : {$800.00} Company : XXXX XXXX Account name : The Bureaus Inc This is false. Not me ( XXXX XXXX ) I was victim of identity theft which I just found out about while opening bank account at XXXX XXXX XXXX this year 2021. I never applied for a credit card. I was in college ( XXXX university ) and took out student loans through XXXX. Never needed a card and now this is messing up my future and business which isnt fair. I tried to dispute it through XXXX but no word back yet. I need removed so please investigate. Theres got ta be proof its not me!
10/27/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 94121	Web
Dear THE BUREAUS, I am contacting you regarding The Bureaus collection account reported to my credit reports. Please note, I do not have any responsibility for the debt youre trying to collect or its been more than 7 years since the original delinquency date, in which case your account should not be listed on my report. If you have good reason to believe that I am responsible for this debt or 7 years have not yet passed since the original delinquency date please supply the information regarding my debt and original delinquency date so that I have all information.
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10306	Web
OnXX/XX/2021, THE BUREAUS add a derogatory mark on my credit reports. 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 THE BUREAUS has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
07/14/2022	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	UT 84780	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
05/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32937	Web
The Bureaus XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX This Company needs to seize and be charged for criminal activities with the purpose of obtain financial reward This company keeps flagging a collection into my credit report with XXXX that is not mine from XXXX XXXX. All credit cards I have had in the past years ago with XXXX XXXX have being paid and settled. I have not recently applied for any cards or have had an open account or had and open account with XXXX XXXX recently!! THIS NEEDS TO STOP! This false account must be remove from my credit ASAP
07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06513	Web
I contacted the Bureaus because their accounts was suppose to be deleted from my credit report over a year ago. When i spoke with them they were very rude and threatening court and Jail time. They violated my constitutional rights. 15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for anyXXXX purpose.
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 99202	Web
On XXXX XXXX, 2020, THE BUREAUS add a derogatory mark on my credit reports. 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 THE BUREAUS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11235	Web
On XXXX XXXX, 2020, THE BUREAUS add a derogatory mark on my credit reports. 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 THE BUREAUS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
10/01/2021	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	NJ 07036	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and 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 they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS XXXX
06/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web
In addition to consumers having the right to privacy THE BUREAUS INC is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, XXXX XXXX, payment intangibles, or promissory notes which is for the purpose of collection only. THE BUREAUS INC has not conformed and is in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
09/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL XXXXX	Web
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
07/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60506	Web	Servicemember
On XX/XX/2020 at XXXX XXXX I emailed a letter to XXXX regarding the FRCA Section 609 ( a ) ( 1 ) ( A ) where Bureaus Investment Group Portfolio is required by federal law to provide - THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT - I was told that I should be receiving verifiable proof with in 7 business day. I have not received any physical proof that this debt belongs to me. I am demanding that Bureaus Investment Group Portfolio deletes any information currently being reported to the credit bureaus immediately.
06/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AR XXXXX	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 2 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
05/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 210XX	Web
I checked my credit a few months ago and saw an account that I did not recognize. I have disputed the account with The Bureaus Inc, and I have received nothing in the mail at all! It is my right to know what and why someone is reporting information about me to a third party. I did my research and found that I need to file a complaint here to punish and eventually get this company fined! Please investigate this company as I am sure I am not the only person who has issues with the confusion this company creates, even their name is misleading!
08/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DE 19711	Web
The Bureaus Inc, has stated per " No. of Months ( terms ) '', I have a '1 month term '' with them for account # XXXX. This is incorrect. This was charged off by XXXX XXXX, there are no more terms with them. What terms and agreements did I sign and agree with The Bureaus when they purchased this debt? None. So this is inaccurate. ( Please note : even the 2 year payment history states " CO '' /Charged Off, so no payments past due to The Bureaus ). Please send proof of contract signed with The Bureaus for this " 1 month term '' that I signed.
11/30/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19608	Web
i have contacted all 3 credit bureaus to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) " ...... all 6 times that ive challenged it has come back verified as accurate ... how is this possible? how are they verifying this? they are not conducting proper investigations is the answer... i have attached a copy of the report with all of the inconsistencies circled ... XXXX.this account has been re aged..this is a major violation
07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11226	Web	Servicemember
I have asked The XXXX XXXX XXXX agency to take this off of my credit. I sent letters to all three bureau to take off my credit. They took it off and put it back on This is not my account Ref # XXXX NOT MY ACCT please remove! THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX account # XXXX this account was taken off by XXXX and XXXX but they put it back on. XXXX never took it off Please make all 3 agencies take this off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
08/15/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33062	Web
XXXX has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. XXXX don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. I need XXXX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.
05/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CT 06042	Web
I believe that the information related to this account is inaccurate and I am requesting an investigation pursuant to FCRA sections 607, 611, and 616. I request that you provide sufficient documentation to verify the accuracy of this account, including a copy of the original contract with my signature, billing statements, or other documentation. Pursuant to FCRA section 611 ( a ) ( 1 ) ( A ), I also request that you forward a copy of the dispute and supporting documents to the credit reporting agency that is reporting this account.
12/27/2019	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	MD 21811	Web
On XX/XX/2016 XXXX XXXX sold off my financial contract with them to a company called " The Bureaus ''. I am not contractually obligated to pay the bureaus, only XXXX XXXX. Due to them selling the debt to the bureaus I am no long attached to that debt. I have called the bureaus, they have flat out refused to remove the debt. I have filed multiple complaints through XXXX and XXXX to no avail. I am seemingly being held economic hostage, without any ability to use credit. Even unable to apply for a XXXX $ secure line of credit.
08/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 302XX	Web
I have contacted this company several times through certified mail asking for valid proof of ownership of account with a signed contract with this company. This company has failed to send the contract but statements, which is not the same yet has not removed from 2 of my credit reports ( XXXX and XXXX ). Pursuant to 18 USC 8, I owe no debt, THis company is violating my consumer right to privacy pursuant to 15 USC 1682 1b. This company has no permission to report ANYTHING using my information pursuant to 15 USC 1681.4.
11/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19027	Web
I sent The Bureaus a letter on XX/XX/XXXX, to the address reported on my credit report. That mail was returned to me. I don't know who they are or why they are on my credit, and now I can not request validation of the debt pursuant to the FDCPA. They have reported incorrect information on my credit report, substantially in the form of THEIR OWN ADDRESS! They are required by law to report 100 % factual information, can they be trusted to do this when they can not even update the credit bureaus with their own address?
11/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92083	Web
My XXXX credit score is being decreased when I have collections removed or paid in full. This issue is causing me financial hardship and hindering my chances of owning a home. This collection was withdrawn out of my checking account and paid in full, the creditor is still reporting that I owe it. XXXX XXXX XXXX # XXXX ( PAID IN FULL ) XXXX XX/XX/21 Original creditor : XXXX XXXX XXXX {$340.00} Date Description Amount Balance XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Card Payments Credit Card Payments - {$340.00}
06/24/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 757XX	Web
THE BUREAUS , INC . After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.
12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30075	Web
Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to XXXX XXXXXXXX, the bureaus, XXXX, and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by the consumer.
04/11/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	KY 40245	Web
There wasn't a great options for this situation. The Bureaus had used XXXX XXXX XXXX to attempt to collect this debt. It shows the account date was XX/XX/XXXX however the last payment was XX/XX/XXXX. My attorney XXXX XXXX XXXX responded to the initial letter from XXXX XXXX XXXX and the debt was not able to be verified. It is still currently on my credit report and being reported every month as an open account that is owed by the Bureaus. The letter was dated XX/XX/XXXX. The attorney responded XX/XX/XXXX.
05/09/2021	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	NC 271XX	Web
I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
12/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web
I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to The Bureaus INC and Attorney General of Texas complaint.
12/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 120XX	Web
There is a collection agency called The Bureaus who are trying to collect a debt from XXXX XXXX, that is not my debt. I have sent numerous letters to this company as well as to XXXX and XXXX where the debt shows as a collection. Debt is dated XXXX XXXX. This is not my debt and this collection is hindering my credit. No letter were received in return from the Bureaus or the credit Bureaus., This debt is not mine and is from a result of fraud., the address associated with this account is also not mine.
02/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD XXXXX	Web
XX/XX/2020 I made a complaint XXXX-XXXX to verify that the report of {$490.00} is valid and owed to Bureaus. The company responded by sending statements to prove validity. I request that the company review the attached letter and state their validity to collect this debt using the federal regulated laws to prove ownership.The Bureaus can not prove ownership of an account by submitting itemized bills. I must have written verification of whom verified the account and a contract bearing my signature.
11/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76140	Web
I have tried to work this out with The Bureaus who is a debt collector. They are reporting on my consumer which is a violation under 15 USC 1692. By them reporting this to my credit it is defaming my character and my credit report. They are violating my rights and I will no longer tolerate this type of behavior. I am a consumer. I have laws to protect me as a consumer. I am not going to tolerate my rights being taken away from. I have sent an a invoice for the violations that The Bureaus violated.
09/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89121	Web
Around XX/XX/2022 I was contacted by The Bureaus, Inc. about a debt that they were trying to collect on. I was given until XXXX, XXXX, 2022 to respond. I responded on XX/XX/2022 ( certified, return receipt ) stating that I do not know or recognize your company and I believe that I do not owe this debt. As of XXXX XXXX The Bureaus , Inc. has failed to respond and is reporting on major credit bureaus. This should be removed based on the fact that they did not validate or verify debt owed to them.
05/17/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30349	Web
This company continues to report incorrect information on my credit report. They are considered a junk debt service taking advantage of the system. It is against the law to report inaccurate information on credit reports. Junk debt collector and they do not have the right to report inaccurate information. There is no way that they verified this information because it does not exist. They have no record of my information in their system, yet it continues to be reported on my credit report.
02/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28304	Web
I have written 3 debt validations letter to this company and they have not followed up with validating the debt. They repeatedly sent me information about the alleged debt but nothing that verified the debt was mine bearing my signature. Letters were sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I sent all letters through certified mail. I have documentation that the letters were received. Please delete this information from my credit file and cease all collection activities immediately.
08/07/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
This complaint is against The Bureau Inc. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have attempted twice sending out dispute letters via certified mail to the bureaus inc on XXXX XXXX and XX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$690.00} account # XXXX. At this time The Bureaus Inc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX.
02/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19020	Web
I have written XXXX letters asking for validation of an account that's being reported on my credit. I have received XXXX responses from XXXX different companies in reference to this! If that isn't confusing enough when the company I wrote to validated the account, the information that they sent me fell so far short of what I requested, it is pathetic! As a consumer I have rights. I am confused! I feel helpless! I do not know who to contact for help with this! PLEASE HELP ME!
02/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	ND XXXXX	Web	Older American
Bureaus Investment Group Portfolio, NO. 15, LLC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX https : //www.thebueaus.cpm/ Trying to collect {$650.00} that is not valid. Provided information on XX/XX/2020 via email that the XXXX XXXX was returned and a refund was issued but never applied to clear balance. XXXX XXXX XXXX made a report to credit bureaus which has had a negative effect on my credit. This was from a XXXX account which was issued by and owned by XXXX XXXX XXXX.
06/21/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	OH 44236	Web	Servicemember
My sister ran up a credit card in my name in XXXX-XXXX. I agreed to pay the debt and the credit card company forgave the the fees and penalties The fees have been resold to THE BUREAUS INC. They opened a new credit account in my name for the {$1600.00} that XXXX forgave on XX/XX/XXXX. The Bureaus contacted me about payment. I checked the laws in ohio and that debt has aged out. The debt should no be appearing on my credit report and the Bereaus refuses to remove it.
06/30/2021	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	NC 28144	Web
I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.
08/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MS 39532	Web	Servicemember
The original creditor discharged the debt receiving a tax credit. A XXXX has repeatedly been requested. The sale of this account was illegal as The XXXX XXXX and I have no legal contracts and Ive given no authorization for the sale of my information. The XXXX XXXX has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.
07/14/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	PA 190XX	Web
I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt.
07/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11423	Web
I sent a response letter to the collections agency and the company have not validate the debt. Printouts of a bill or itemized document does not constitute verification nor validation of the debt. They have not supplied proof of a signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Nor any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
I have contacted all three credit bureaus requesting dates, services & validation from this company that's reporting on credit report & the bureaus has not responded back & credit bureaus refused to complete a proper investigation. I have sent a letter via certified mail & usps return the letter deemed as undeliverable. I tried phone calls, letters & no avail. XX/XX/2020 Amount Claimed Owe {$820.00} Company Bureaus XXXX XXXX XXXX XXXX, Illinois XXXX
06/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63146	Web
The BUREAUS collection agency was filed on my report on XX/XX/2016. The amount that this company is saying that I owe is a total of XXXX. I do not have a contract with their company, and I requested copies of the contract where it states that I should pay this amount. The Bureaus was not able to give any validation just a copy of a bill that I was not responsible for. I am asking the Bureaus to remove any collection amount from my credit report.
01/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 93313	Web
I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. They have violated the Fair Credit Reporting Act.
01/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 120XX	Web
I am filing this complaint because THE BUREAUS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
07/20/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	PA 19111	Web
{$1700.00} someone use the card and been using it and paying the bill.I contact the company and my stuff was sent over to the credit reporting agency and to a collection department .I would like to get this off, I spoke with them and they said this account should be deleted due to fraud .i had papers and all.here s the company THE BUREAUS INC XXXX XXXX XXXX XXXX. XX/XX/2018 {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
02/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95204	Web
I have an unknown collection account on my credit.I was not contacted by the collection agency so I was not aware of the debt until I viewed my credit. I called and was not able to reach anyone so I sent them a letter by priority mail which they have received. To date, the account remains on my credit and I have yet to get a response from them. However, the bureau alleges the account has been verified as belonging to me when it doesn't
02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 113XX	Web
There is a fraudulent account reporting on my credit file ; The Bureaus ( Original Creditor XXXX XXXX XXXX_XXXX XXXX This account was opened fraudulently and currenly has a balance of {$1000.00}. I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 550XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 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 any purpose.
03/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23608	Web	Servicemember
To Whom it May concern : I have sent multiple rounds of letters to your company requesting that your company please verify the accounts that are being reported on my credit report as delinquent. The first letter was sent out via certified mail XX/XX/2020 and was received XX/XX/2020. Your company has failed to provide me with any signed documentation with my signature, only a summary of a debt that your company claims that I owe.
03/31/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30180	Web
In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
10/21/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	PA 19139	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on THE BUREAUS INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
01/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 338XX	Web
I have written several disputes to XXXXhe Bureaus Inc, and have received no response at all. The yare reporting to my credit. This is a violation of the FCRA, they are not allowed to report to the credit bureaus without first letting me know. They have also not responded to any letters I've sent them, another violation of the FDCPA. They have failed miserably in their duty and must remove this erroneous account immediately!
06/16/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77049	Web
The Bureaus would not disclose who they were or who they represented. They claimed that a XXXX XXXX credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in jail, and ruin your XXXX credit! ''
10/09/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 55407	Web
I've been requesting an investigation of my account with THE BUREAUS INC for several months. They have incomplete and incorrect information, but their response has been minimal. What's worse, they've retaliated by adding {$1.00} to my balance every time I dispute it, and then taking it back, which has permanently harmed my credit score. This has had a negative impact on my career growth and future prospects.
12/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL XXXXX	Web
I have been sending dispute letters for the account and I have not had one response from this company. They were not able to provide any form of documentation to verify this specific account with me. Stating that the account is " verified '' is not even enough to prove such ownership If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this
05/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75237	Web
On XX/XX/2020 this company opened this collection. I have never signed any written consent to the collector that I owe this debt. This is violating my rights of the FCRA as a consumer. I am not aware of such debt that this collector is trying to collect or have received any information verifying ownership of this account. Please have this removed on all three major credit bureaus. XXXX XXXX XXXX
08/23/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web
Since XX/XX/2021 I have attempted to obtain resolution from The Bureaus INC., regarding an alleged owed debt that is a result of fraudulent activity. The organization continues to send me copy of bills as debt validation. As a victim of identity theft I am requesting the original contract with my wet signature. Such documents do not exist because I did NOT authorize this account or the purchases made.
07/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90043	Web
This debt collection agency, assumes I have an acct with them, I asked numerous time to release proof of identification such as dL # and signatures along with records that I apply or put in a application of credit with this company the refuse to relinquish information. I would like for immediate removal from my credit as soon as possible. They keep send anonymous mail to my house, I need it to stop.
04/18/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 290XX	Web
I reached out to The Bureaus, Inc. for validation of an account. The original creditor is XXXX XXXX. According to the records provided, my last payment on the account was dated XX/XX/. The Statement closing date of XX/XX/XXXX showed a balance of {$200.00}, however, The Bureaus , IncXXXX is attempting to collect a total of {$510.00}. Please explain how my balance went from {$200.00} to {$510.00}?
02/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AR XXXXX	Web
The Bureau collection item appeared on my XXXX XXXX credit report with no credit report. I have no knowledge of the account. XXXX responded they can not locate an account with the information provided, therefore they should remove from my XX/XX/XXXX Credit Report. I do not have another name. I submitted a dispute via XX/XX/XXXX again on XX/XX/2021. There is no account number on credit report.
08/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 180XX	Web
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 3 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.
08/13/2020	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	NY 11231	Web
I have a loan with THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) and 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, THE BUREAUS ( Original Creditor : 01 XXXX XXXXXXXX XXXX XXXX XXXX and XXXX with no successful resolution. There was definitely an error on their part.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20002	Web
I called to guys to resolve a resolution the issue one of your representatives transferred me to XXXX XXXX XXXX I talked with them but your company the bureau inc is still showing on my credit report and should be revived removed or updated so if I decided to pay or come time a a agreement what will that do for me I dont want to see no documentation I want to see some further steps
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 452XX	Web
For the one collection This account is not me, I never received notification of the debt, the original creditor never responded and I have moved from address they claim they sent collection to or original creditor sent bill notice to, Please remove this collection from my report as it is both predatory and inaccurate in the times of the coronavirus pandemic Thank you XXXX XXXX
03/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 326XX	Web
The company name listed on my credit report is : The Bureaus Inc. the amount of the debt is {$2500.00}. I have no knowledge of this account nor have I received any notifications from The Bureaus Inc. regarding this alleged debt. My credit score is being negatively impacted due to this as I was denied credit today. I would like this matter investigated and resolved immediately.
04/30/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77657	Web
A company called " THE BUREAUS INC '' is reporting on my credit claiming to hold an old debt by XXXX XXXXXXXX XXXX. I do not owe this debt, XXXX XXXX XXXX was paid, so I do not know who or why this still shows. I've tried disputing this with proof of payment to all XXXX credit reporting agencies and no one actually calls to verify the information and remove this information.
04/14/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 14620	Web
Multiple attempts at disputing both with the collection agency and the credit card company itself. I sent documentation showing that the debt was not mine ( they offered proof ) and with an open dispute it was turned over to collections. The collection agency told me that debt in dispute could n't be turned over so I was wrong or lying. They then continued trying to collect.
02/19/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	MD 20715	Web
XXXX XXXX XXXX & XXXX XXXX ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.
06/30/2023	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 777XX	Web
While checking into the national multistate licensing system, I noticed THE BUREAUS is not licensed to collect in the State of Texas and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. Acct number : XXXX ( XXXX XXXX XXXX XXXX ) After deletion I need an updated credit report.
07/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 194XX	Web
I have been sending dispute letters since XXXX this year, and they never send me a legal verification. Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even providing valid proof
06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 402XX	Web	Servicemember
The bureaus Inc has a debt on my credit report that says I owe them {$760.00} which was a debt I incurred to XXXX XXXX XXXX which I paid XXXX XXXX XXXX for over 10 years ago. I can not contact the collections agency because they don't have a working phone number. Saying as the debt is over 7 years old and paid I want it removed completely from my credit report.
12/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77088	Web
A collection agency called The Bureaus Inc. put a collection on my credit that is not mine. It is fraud. They never informed me that they were putting anything on my credit. They just did it. I have asked them to remove this fraud and they refuse to do so. This agency is not legal or bonded to collect in my state. They are in violation of the Texas Finance Code
09/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 349XX	Web
All I've ever gotten from this company is a collection letter in XXXX and phone calls! I have demanded they stop calling me, and they haven't! I've written them many times demanding validation which I haven't received, and I am Furious! They violated so many federal laws with this account it hurts! PLEASE GET ME THE JUSTICE I DESERVE AND REMOVE THIS ACCOUNT!
02/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19144	Web
For the past few months I've been writing and requesting verification of this account, and The Bureaus has sent me nothing. It has been extremely difficult to dispute with a company named The Bureaus, because I also had to dispute with the 3 credit bureaus for this account! Despite my many requests for information, I still have received nothing! HELP ME!
02/28/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33433	Web
I have written to the Bureau ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt.
10/06/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NV 89183	Web
on XX/XX/2022 i requested The Bureaus Inc a validation of the alleged debt, firts they did not send any letter to request to verify the debt, XX/XX/2022 send the validation letter to them a failed to provide proper validation. and still continued to report the alleged debt to the credit bureaus. usps certified tracking number ; XXXX account number XXXX
05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 290XX	Web
This complaint against the Bureau was previously closed. Please re-open this complaint XXXX. In reviewing the invoices that this company attached these invoices belong to a XXXX XXXX in XXXX Florida. Please review the invoices attached that the company attached to the complaint. The address is XXXX XXXX XXXX XXXX Florida XXXX. I never lived in Florida.
02/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 333XX	Web	Older American, Servicemember
XXXX is reporting a debt in collections by the bureau since 2010. I did not owe this amount as it was billed for work I did not agree too. I have explained this to XXXX XXXX XXXX and XXXX and XXXX is the only reporting agency that wont remove this item from my file. It was never an authorized charge. It should be removed from my credit report.
02/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22031	Web
I just received a response regarding a previous complaint. The response contained attachments relating to named, XXXX XXXX, who is obviously not me. Not only is this irresponsible and egregious, sharing personal information of another consumer is just ridiculous and careless. All of the attachments belonging to XXXX XXXX are attached. XXXX XXXX
01/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76180	Web
I've contacted XXXX XXXX XXXX / Bureaus Investment Group about a XXXX XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but Bureaus Investment Group has added it back to my credit profile with themselves listed as the creditor.
03/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I sent a validation request to IL XXXX XXXX XXXX on XX/XX/2020 and never received a response. The original letter from IL XXXX XXXX XXXX letter states that the creditor is another debt collector named The Bureaus. Since the account was sold, The Bureaus should not be trying to collect from me, as well as should be removed from my credit report.
11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30458	Web
The Bureaus INC who had my account with XXXX XXXX was paid off. They are not removing the Debt from my credit reports ; XXXX XXXX or XXXX. I have filed disputes as well. It is showing that 0 % was paid off. Bureaus INC sold the account to XXXX XXXX and I settled the debt with them for {$710.00} and it was drafted from my acct XXXX XX/XX/2020.
07/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43211	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
06/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AR XXXXX	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
12/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08859	Web
I sent certified letters to them explaining that I have no idea what this was and that this debt was not mine. They could not verify that it actually belong to me yet they refused to remove the negative info from my credit report. I have yet to establish any credit but would like to start but can not because of the wrong info on my credit.
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18042	Web
In accordance with a fair credit reporting act [ XXXX # XXXX, THE BUREAUS # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
03/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77546	Web
Hello, Recently I noticed a debt for collection on my credit report that is not mine. It states that the original creditor was XXXX. I have several current and closed accounts with XXXX and I do n't have one in collection or have I ever had one in collection. I am unsure on whom I should contact as the account number is not complete.
03/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 12203	Web
The Bureus Inc XX/XX/2016 {$800.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through experian.However I never received any email or mail regarding such bill.
07/31/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	PA 173XX	Web
Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.
07/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 175XX	Web
THE BUREAUS INC failed to validate a debt at my request, which is a FDCPA violation, and continued to report a disputed debt to the Credit Bureaus : another FCRA violation! Not only have they ignored my prior requests for validation of debt, but they continue to report this debt to the credit bureaus causing damage to my character.
12/03/2020	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	GA 30066	Web
On XX/XX/2020 i received my letter from XXXX XXXX XXXX stating that my debt owed to XXXX XXXX XXXX Credit Card has been paid in full. The Bureaus collection agency will not remove this debt from my credit report no matter how many times in the past 6 months i have disputed thru XXXX XXXX that the debt has been paid in full.
03/04/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	KS 66441	Web
The bureau has reported me to the credit bureau for a credit card I never opened. They say it was opened on XX/XX/2017 I was in the process of moving and didnt even have a mailing address so this was not me I have never received anything from this company and I checked my credit report and they have reported it.
05/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20002	Web
Just letting you know that I contacted the company and they don't have your information and its not in their system of record. you have filed the dispute with all three credit agencies who says they have verified and no verification was sent the account is closed and should be deleted from our credit reports.
01/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 99202	Web
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. THE BUREAUS Opened XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
09/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07040	Web
The Bureaus are reporting a credit card account to my consumer report and I never gave them written permission to furnish anything on my report. They bought my personal private information from XXXX XXXX without my consent which is a violation of the Fair Debt Collection Practices Act 15 USC 1692 ( a ).
04/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92780	Web
I paid that XXXX XXXX debit off in payments at least 2 years ago yet it still shows that I haven't. XXXX had the same info on their site and they corrected it after they did there investigation. I've tried dispute that account countless # of times and it still shows active. I paid it off. In installments
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76001	Web
I reached out regarding Account XXXX. I dont assume ownership of this account but Im an effort to get it resolved I submitted a settlement letter. I was advised that this company no longer owns/manages this debt therefore they should remove the collection from my credit report with all 3 credit bureaus.
11/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48180	Web
On XXXX someone from the bureau company reached out from me saying I owe the debt I told him I didn't order that I don't even know what that is they told me they were going to take me to court assuming for the day and that I should pay it and that they would take half payment if I paid it today 50 % off
01/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SD 575XX	Web
Upon checking my credit report on XX/XX/XXXX, I noticed information for THE BUREAUS in the amount of {$830.00}. They agency reported the debt to my credit report on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.
12/06/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21040	Web
I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.
03/26/2015	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	MN 562XX	Web
Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments.
04/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 53216	Web
I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter of fact. I was not told that I can dispute within a specific timeframe or any information except to pay or else.
09/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77386	Web
THE BUREAUS at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX has been sending me collections notices in the amount of {$6600.00} the collection has been reported as past due. I DO NOT know this company. I have never done any business with this company. This company DOES NOT have a contract with my signature.
07/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web
The Bureaus, INC is reporting a fraudulent alleged owed debt on all three of my credit reports. I have sent 3 separate debt validation request via certified mail and The Bureaus, INC has failed to successfully validate this fraudulent account. I am not aware of this account and I am not responsible.
09/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89015	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
05/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77433	Web
THE BUREAUS INC. has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.
01/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web
I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : THE BUREAUS # XXXX**** XX/XX/2017 {$500.00}
09/11/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32826	Web
Using unconstitutional debt practices to attempt to collect a debt they purchased. This debt was not validated or disputed by me before they provided the delinquent information to the credit reporting agencies. This company is willfully disregarding the laws in place under the FDCPA.
02/24/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11552	Web
I can not give specific dates as I fell on hard times but I was repeatedly contacted by this company to the point of harassment. I've had to block upwards of 10 numbers to get relief, I was having so much anxiety whenever my phone would ring I debated changing my number all together.
05/19/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10940	Web	Servicemember
There are 2 collection accounts that are reflecting on all 3 of my credit reports that Ive never authorized or signed for and theyve been contacting me stating that it will remain on my credit reports negatively until I pay them off. I do not have any accounts with these collectors.
06/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44118	Web
This account is reporting in accurately to my credit report. I have attempted in numerous ways obtain verification of this debt and have not received any documentation. I did not authorize anyone to open or sign in my absence therefore it can not be validated as a debt that I owe.
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91722	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
09/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34601	Web	Servicemember
The bureaus put a collection on my credit report what is not mine they don't show me a signed contract with my signature and they refuse to take it off my XXXX and XXXX report, and now not only that they even put a higher dept on the same account like I said is not even mine
02/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77020	Web
THE BUREAUS have illegally purchased and reported and fraudulent account that was resulted from Identity Theft..They have failed to contact me as required by the FDCPA, They have also violated the FCBA and multiple other reporting violations by falsely reporting this account
05/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	UT 847XX	Web	Servicemember
{$420.00} Open balance CAPITAL ONE NATIONAL ASSOCIATION Original creditor Opened XXXX XXXX, XXXX ( 4 yrs, 1 mos ) XXXX XXXX is the company that has it now. Last reported XX/XX/XXXX I have reported this through the report reporting agencies many times and not has happened.
10/31/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33462	Web
I did not consent to, authorize nor benefit from any of the following accounts. Block and remove it immediately. The Bureaus Agency Name : XXXX $ XXXX {$870.00} Account # : XXXX OPEN : XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	UT 847XX	Web	Servicemember
{$420.00} Open balance XXXX XXXX XXXXXXXX XXXX Original creditor Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) THE BUREAUS is the company that has it now. Last reported XX/XX/XXXX I have reported this through the report reporting agencies many times and not has happened.
01/25/2017	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 75067	Web
XXXX XXXX XXXX XXXX, WA. This company bought my outstanding loan from XXXX which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.
01/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 21216	Web
I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. I have also asked them several times to provide verification methods and they have ignored me it been over 30 days
07/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60504	Web
The Bureaus Inc is attempting to collect a debt from me that is a result of identity theft. Also The Bureaus Inc has no license to collect debt in the state of Illinois. Which is in violation of Illinois Collection Agency Act 225 Ill. Comp. Stat. 425/2
12/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
07/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33991	Web
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance. I settled account for {$2000.00}, with XXXX XXXX XXXX XXXX. I spoke to someone at THE BUREAUS, and they said once it was settled they would delete it of all my credit reports.
07/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33991	Web
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance. I settled account for {$2000.00}, with XXXX XXXX XXXX XXXX. I spoke to someone at THE BUREAUS, and they said once it was settled they would delete it of all my credit reports.
01/26/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75034	Web
After closing an account with XXXX XXXX and sending in final payment. The account was sold for a balance that does not exist. I am being harassed day in and day out by this debt collection company for a debt purchased that was already settled in full.
04/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48335	Web
Ive asked on several occasions to receive verifiable proof that this debt belongs to me with my original signature with this company based on fair practices according to the FCRA. They have not sent me any verifiable proof but have damaged my credit.
02/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07055	Web
I get calls daily, from collection agencies and they are not allowing my credit score to go up. I am affected in such a negative way that I am willing to file bankruptcy. This is not fair the attack I feel daily. I dont even want to pick up my phone.
04/24/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91790	Web
Reached out to the Bureaus, Inc twice requesting debt validation they failed to send the original contract with my signature ... both times they did not answer my debt validation request.. Its been 30 days and i want all debts removed ... file XXXX
06/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93703	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.
05/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33598	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.
01/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32808	Web	Servicemember
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
12/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08817	Web
They have not validated the debt by producing a payment history and original contract of my signature. Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey
09/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48205	Web
There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.
10/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OR 97223	Web
This is the second time I pay for this account. The company wont send me a letter saying that the account was settled and closed. They still sending me send message to call them and I call and they transfer me and no one send me the letter
11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 777XX	Web
I do not have a signed contract nor any contract with The Bureaus. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with The Bureaus.
06/24/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33991	Web
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company. I called them and they said I owed half of that for a store credit card, but refused to delete from my report.
09/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 064XX	Web
This debt does not belong to me. I have already disputed this debt in writing in XX/XX/2020 with the company and they did not validate this debt as belonging to me. It was removed from one credit bureau but still remains on the other.
09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90275	Web
Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid
11/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78245	Web
XXXX XXXX is showin in 2 credit Companies XXXX and XXXX that account is closed 11 XXXX XXXX the have wrong dates it even shows still open And XXXX XXXX card it should not be on credit report I talk to some one when I canceled
08/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44122	Web	Servicemember
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt. THE BUREAUS INC # XXXX
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 366XX	Web
Business : The Bureaus Inc Issue : Double reporting! Reporting an old account as a new account in which they are trying to make the old collection account seem new and making an attempt to damage credit score even more
12/16/2020	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	PA 19082	Web
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX The above company on my record with the amount of {$580.00} does not belong to me. I do not own this account nor the previous creditor.
01/15/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	RI 02904	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
07/24/2023	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 Was not notified of investigation status or results	FL 349XX	Web
I have sent several request to XXXX to correct this credit error but have not received any response. This is affecting my credit and I am not able to purchase my home. This needs to be removed immediately
02/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD XXXXX	Web
This collection agency was disputed via credit bureau which notified me that the collection was valid. I have not received any verification of the validity of this collection from the collection agency.
02/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06002	Web
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.
05/14/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 970XX	Web
The Bureaus has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10026	Web
I have reported FRAUD numerous times to the companies that are reporting negative results to the credit bureaus. They are refusing to remove ALL these negative collections from my credit report.
02/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 076XX	Web
I try to contact the company to removed this from my credit report is affecting her my credit score. Because the debt was paid long ago. Still showing on my credit report since 2017. Please help
01/31/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19134	Web
I recently received a copy of my XXXX consumer report and I noticed a collection posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).
05/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
There is a collection account listed from this company called the bureaus which is unknown I do not owe them XXXX this is inaccurate. I have disputed with receiving nothing back please help
06/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11423	Web
I sent out a Validation of debt letter out XX/XX/2021 and company responded back with No proof of debt validity. No signature, agreement and/or contract between the consumer and debtor.
05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60637	Web
I first reported illegal use of my identity a little over seven years ago and a consumer fraud alert was placed on my account, the accounts in reference dissappear and show up again.
12/11/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NJ 080XX	Web
The Bureaus Inc put on my credit report an account where I was never served notice of the collection item and was never given a chance to dispute it or ask for proof of claim.
12/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55443	Web
I was a victim of identity theft. I contacted XXXX XXXXXXXX and they agreed to remove the debt. However, it is still being reported and sold to The Bureaus Collection agency.
05/05/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 953XX	Web
Attempted to contact the bureaus to pay my debt and have been routed to another company called XXXX. XXXX has since been harassing me and refusing to allow me to pay my debt.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20002	Web
If what they stated is true? If they are reporting then they need to remove the other collection its reporting by one company and this company is trying to collect for them.
07/26/2022	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	MD 21202	Web
I have been trying to reach the collection agency handling the majority of my store card debts. The Bureaus INC. They never answer the phone and i am attempting to resolve
10/05/2022	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	PA 19147	Web
Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.
05/27/2022	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 Investigation took more than 30 days	AL 35405	Web
I filed a dispute in regard to the incorrect information on my credit report, it has been well over 30 days and i haven't received any investigation results.
03/23/2021	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	TX 76504	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CT 06512	Web
I have a debt reporting from the burraus in the amount of XXXX. This debt is from 2011 and is still reporting. I am requesting for removal from my credit.
03/04/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	KY 40207	Web
I received some information but not an actual signed agreement from this agency and I do not agree with the information sent in. Please help assist me.
06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44118	Web
I am not aware of this owed balance from the original creditor, XXXXXXXX XXXX. I have asked for a validation of debt however it has not been received.
01/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30135	Web
The Bureaus is reporting inaccurate info on my credit report and i have sent 609 611 for verification and no response for the ammount of {$780.00}
01/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 484XX	Web
this company is attempting to collect a debt that is not owed, putting me further behind during a worldwide pandemic and damaging my credit score.
04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	IL 605XX	Web
Hard inquiries on my report with unknown accounts. Also have different names listed with differ state searches. Victim of identity theft.
10/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AL 35226	Web
The debt was paid by garnishment, and the collection agency filed another garnishment, trying to collect twice what I had already paid.
08/29/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	OH 431XX	Web
They skip-traced and contacted my relative for some reason even though the creditor supplied my contact information that never changed.
07/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 627XX	Web
Dispute letter sent to company multiple times. Requested documentation was not provided. Debt is now falsely reflected on credit report
02/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
01/26/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	WI 53209	Web
XX/XX/2019 amount {$840.00} Actions - Ive tried numerous times to contact the company to acknowleged them of this wrongful matter
11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 31525	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
03/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 06112	Web
i have disputed debt and this company would remove and then put back. or they would add or subtract XXXX every time i dispute
11/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 336XX	Web	Servicemember
There is an old account still showing I owe and I settled and paid it. The credit bureaus are not complying. Please help
10/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 191XX	Web
I was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID to prove my identity.
07/27/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WI 53214	Web
Debt collector contacted some one other then myself and discussed my amount owed and payment plans available
07/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76549	Web
I have a debt on my credit report for XXXX that i have no knowledge of or gotten no notification of it
11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 293XX	Web
I sent XXXX and XXXX and XXXX letters to valdated and debt with an debt collector no ones reponded
06/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19026	Web
I need verification that this debt is valid and that they are licensed to collect debts in my state.
11/17/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NV 89107	Web
I see this account in collection, I dont know if this is my, so please I need that you check please
06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00729	Web
The Bureaus, Inc. appear in my credit report as a debt collector of a debt that I dont have.
02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33127	Web
I noticed unauthorized account on my report someone applied for something in my name
02/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 620XX	Web
XX/XX/2016 {$940.00} FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX THE BUREAUS INC
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90006	Web
I have unknown collections on my credit report which are not mine..And wrong address
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60426	Web
Company incooperative, do not want to give me any information or unable to help me.
10/12/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33624	Web
This debt collector represents an inactive debt and is duplicate reporting.
03/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36092	Web
I have a fraudulent account on my credit report that I have never heard of.
03/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85022	Web
I have a fraudulent account on my credit report that I have never heard of.
04/23/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11236	Web
This debt collector represents an inactive debt and is duplicate reporting.
07/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80916	Web
I have paid my debt and other debts were the result of identity theft
08/11/2022	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 Investigation took more than 30 days	GA 30296	Web
Information on my report is not being removed in timely manner
08/11/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 45503	Web
XXXX did not verify debt after multiple letters sent to them
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77642	Web
These items are not mine. Please assist in removing them.
01/19/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11729	Web
Theres no clear explanation who, when and how I owed
11/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98664	Web
Constant phone calls Keep calling after asked not to
05/10/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19111	Web
Re-aging debt. Falsely claiming new activity.
09/01/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA XXXXX	Web
Please review attached documentation.
01/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33612	Web	Servicemember
I have no knowledge of this debt
07/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89121	Web
accounts are not accurate
02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 604XX	Web
they contacted me at work
02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70726	Web

02/01/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90650	Web

01/26/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 304XX	Web

01/20/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11520	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19151	Web

01/06/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 182XX	Web

01/05/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70737	Web

01/03/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 441XX	Web

01/01/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39341	Web

12/29/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	FL 34758	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07040	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95212	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10453	Web

12/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38654	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44128	Web

12/14/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94565	Web

12/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75070	Web

12/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92683	Web

12/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77355	Web

12/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90660	Web

11/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30024	Web

11/23/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	OH 43232	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45215	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33032	Web

10/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44108	Web

10/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30338	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48204	Web	Servicemember

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46403	Web

10/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48125	Web

09/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20707	Web

09/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08812	Web	Older American, Servicemember

09/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90745	Web

09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19701	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 708XX	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19701	Web

09/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23231	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34266	Web	Servicemember

08/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	ME 04474	Web	Older American

08/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48221	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 10523	Postal mail

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98373	Web

08/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 08330	Web

08/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29209	Web

08/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19142	Phone	Older American

08/01/2023	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	IL 60426	Web

08/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90003	Web

07/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44108	Web

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web

07/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	LA 71055	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28210	Web

06/27/2023	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	SC 293XX	Web	Older American, Servicemember

06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91767	Web

06/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31601	Web

05/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28227	Web

05/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92553	Web	Servicemember

05/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89117	Web

05/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web

05/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33806	Web	Older American

05/02/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48150	Web

04/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44706	Web

04/26/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30319	Web

03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23234	Web

03/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98662	Web

03/22/2023	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	CA 95204	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20002	Phone

03/17/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 94806	Web

03/13/2023	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	CA 93305	Web

03/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90068	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77054	Web

02/16/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33168	Web

02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60104	Web

02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14201	Web

02/02/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91911	Web

01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34946	Web

01/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75137	Web

01/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90047	Web

01/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75040	Web

01/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33897	Web

01/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36108	Web

12/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46408	Web

12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60649	Web

12/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19148	Web

12/20/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92201	Web

12/18/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CT 06513	Web

12/14/2022	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	AR 71601	Web

12/08/2022	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	FL 33155	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76011	Web

11/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19605	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11575	Web	Servicemember

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29223	Web

11/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10029	Web

11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11212	Web

11/02/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33180	Web

10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

10/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11218	Web

10/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78418	Web	Servicemember

10/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11776	Web

10/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20616	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11219	Web

09/23/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 37207	Web

09/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33472	Web

09/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30045	Web

09/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

08/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46229	Web

08/15/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32808	Web

08/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95901	Web

08/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32808	Web

08/04/2022	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 Investigation took more than 30 days	FL 33009	Web

08/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76105	Web

07/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21215	Referral

07/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20904	Web

07/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75110	Web

07/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11101	Web

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33445	Web

06/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 62002	Web

06/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37138	Web

06/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91345	Web

06/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33055	Web

06/05/2022	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	HI 96761	Web

05/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 76504	Web

05/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21703	Web

05/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89121	Web

05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89121	Web

05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31520	Web	Servicemember

05/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31520	Web	Servicemember

05/14/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33610	Web

05/03/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32073	Web

05/03/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 95121	Web	Older American

05/03/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95121	Web	Older American

04/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19126	Web

04/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29123	Web

04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NH 03060	Web

04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07024	Web

04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33602	Web

04/08/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 10027	Web

04/08/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 10027	Web

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33010	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74133	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90212	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19082	Web

03/22/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 48187	Web

03/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

03/20/2022	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 93306	Web

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23301	Web

03/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77016	Web

03/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10977	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92394	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30542	Web

03/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33472	Phone

03/06/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TN 37040	Web	Servicemember

03/05/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 91605	Web

03/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76107	Web

02/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19151	Web

02/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19151	Web

02/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92117	Web

02/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 38633	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11218	Web

02/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33068	Web

02/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 22031	Web

02/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18944	Web

02/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19078	Web

02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32828	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19151	Web

01/24/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Application denied	TX 75104	Web

01/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33193	Web

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12428	Web

12/28/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11435	Web

12/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30127	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77590	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60402	Web

12/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32765	Web

12/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10452	Web

12/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46214	Web

12/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48457	Web	Servicemember

12/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34768	Web

12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77056	Web

11/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46214	Web

11/26/2021	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	GA 31419	Web

11/26/2021	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	GA 31419	Web

11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78578	Web

11/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78227	Web

11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UNITED STATES MINOR OUTLYING ISLANDS 89431	Web

11/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 46214	Web

11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38141	Web

11/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29163	Web

11/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

11/16/2021	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 Their investigation did not fix an error on your report	NY 11722	Web

11/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76132	Web

11/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29479	Web

11/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10940	Web

11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

11/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 46214	Web

11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92264	Web

11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48234	Web

11/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95207	Web

11/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60440	Web

10/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07083	Web

10/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33169	Web

10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10458	Web

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

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web

10/19/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23324	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37167	Web

10/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77371	Web

10/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27520	Web

10/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27520	Web

10/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38109	Web

10/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20781	Web

10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15025	Web

10/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77071	Web

10/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48228	Web

10/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 63115	Web

10/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 334XX	Web

09/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33973	Web

09/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33138	Web

09/29/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37013	Web

09/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29479	Web

09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78566	Web

09/25/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92532	Web

09/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33614	Web

09/22/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27573	Web

09/22/2021	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	KS 67067	Web

09/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10459	Web

09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72023	Web

09/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11520	Web

09/16/2021	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 Their investigation did not fix an error on your report	NC 28278	Web

09/14/2021	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	KS 67207	Web

09/11/2021	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	TX 78414	Web

08/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92310	Web

08/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60629	Web

08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10456	Web

08/24/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30281	Web

08/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27040	Web

08/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 95660	Web	Older American

08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39047	Web

08/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75647	Web

08/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90806	Web

08/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98405	Web

08/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75203	Web

08/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77079	Web

08/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77020	Web

08/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77338	Web

08/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92114	Web

08/05/2021	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	NY 11234	Web

08/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30157	Web

08/03/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75052	Web

08/02/2021	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	TX 78566	Web

07/30/2021	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	NY 10980	Web

07/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27713	Web

07/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95825	Web

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

07/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10459	Web

07/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10459	Web

07/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11413	Web

07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19104	Web

07/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web

07/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95121	Web	Older American

07/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95121	Web

07/05/2021	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	TX 75006	Web

07/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30180	Web

07/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30180	Web

07/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30180	Web

07/03/2021	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 31313	Web

07/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29461	Web

07/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 90807	Web

06/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08859	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32825	Referral

06/21/2021	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	NJ 08873	Web

06/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 12550	Web

06/18/2021	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 30168	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14623	Web

06/17/2021	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 90703	Web

06/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92620	Web

06/07/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19027	Web

06/05/2021	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 Was not notified of investigation status or results	OH 43615	Web

06/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07643	Referral

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 14620	Web

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

05/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18104	Web	Servicemember

05/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30044	Web

05/26/2021	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	TX 78664	Web

05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10452	Web

05/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

05/21/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19133	Web

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20002	Web

05/19/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23324	Web

05/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78745	Web

05/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32801	Web

05/13/2021	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	NY 11570	Web

05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93720	Web

05/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AL 35042	Web

05/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28314	Web

05/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11219	Web

05/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33853	Web

05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30189	Web

05/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11590	Web

04/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77502	Web

04/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 18045	Web

04/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 18045	Web

04/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19079	Web

04/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19120	Web

04/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OK 73501	Web

04/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77520	Web

04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32114	Web

04/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 73501	Web

04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63136	Web

04/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11554	Web

04/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07030	Web

04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15478	Web

04/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

04/15/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 14612	Web

04/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76504	Web

04/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MS 39047	Web

04/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35217	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29223	Web	Servicemember

04/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76120	Web

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43140	Web

04/06/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	WV 26508	Web

04/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90047	Web

03/31/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23462	Web

03/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Web

03/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19133	Web

03/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44321	Web

03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07631	Web

03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IL 60402	Web

03/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19134	Web

03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60004	Web

03/19/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77433	Web

03/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64134	Web

03/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35242	Web

03/18/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77433	Web

03/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60402	Web

03/15/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77433	Web

03/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WA 98198	Web

03/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

03/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

03/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38125	Web

03/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 76120	Web

03/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32811	Web

03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44133	Web

03/05/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77433	Web

03/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78252	Web

03/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10952	Web

03/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web

02/26/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 43231	Web

02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21113	Web

02/24/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10469	Web

02/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77514	Web

02/19/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44485	Web

02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85338	Web

02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28215	Web

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95376	Web

02/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web	Servicemember

02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85353	Web

02/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

02/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92707	Web

02/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90807	Web

02/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78040	Web

02/02/2021	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	CA 90220	Web

01/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 19135	Web

01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33409	Web

01/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

01/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30087	Web

01/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72401	Web

01/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11570	Web

01/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11753	Web

01/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90047	Web

01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53714	Web

01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28078	Web

01/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37129	Web

01/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28210	Web

12/28/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32176	Web

12/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32778	Web

12/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21076	Web

12/20/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web

12/17/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10459	Web

12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77041	Web

12/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94303	Web

12/12/2020	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	PA 19002	Web

12/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20602	Web

12/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55428	Web

12/08/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11434	Web

12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web

12/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20743	Web

12/05/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60803	Web

12/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 43021	Web

12/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21117	Fax

12/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07083	Fax

11/30/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11050	Web

11/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94086	Web

11/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28210	Web

11/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21076	Web

11/20/2020	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	FL 33971	Web

11/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11211	Postal mail

11/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10456	Fax

11/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web

11/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32068	Fax

11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07747	Fax

11/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07002	Fax

11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29009	Fax

11/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 06606	Web

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33955	Web

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	HI 96814	Web

11/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07031	Referral

11/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08859	Fax

11/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38128	Fax

11/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10001	Fax

11/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

10/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95757	Fax	Older American

10/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08721	Fax

10/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93309	Web

10/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30238	Fax

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38134	Web

10/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53222	Web	Servicemember

10/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85308	Web

10/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KS 67209	Web

10/03/2020	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	GA 30253	Web

10/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08901	Web	Servicemember

10/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85255	Web	Older American

09/30/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11234	Web

09/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT 84005	Web	Servicemember

09/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11557	Web

09/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11553	Web

09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33319	Web

09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60609	Web

09/18/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11421	Web

09/18/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11003	Web

09/14/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10468	Web

09/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78503	Web

09/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75160	Web

09/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75149	Web

09/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 41653	Web

09/03/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11704	Web

08/31/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	FL 33025	Web

08/28/2020	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	FL 33313	Web

08/27/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11542	Web

08/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11220	Web

08/07/2020	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	AR 72076	Web

08/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10029	Fax

07/31/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	UT 84005	Web	Servicemember

07/31/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75092	Web

07/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web

07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 54943	Web

07/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11203	Web

07/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11753	Web

07/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78574	Web

07/15/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28215	Fax

07/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

07/09/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt		Fax

07/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IA 50314	Web

07/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11221	Web

06/30/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75217	Web

06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33127	Web

06/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37334	Web

06/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WV 24701	Web

06/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92130	Web

05/28/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 11358	Web

05/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31324	Web	Servicemember

05/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70508	Web	Servicemember

05/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web

05/20/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TN 37323	Web

05/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	HI 96786	Web

05/13/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91504	Web

05/13/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 15142	Web

05/12/2020	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	SC 29229	Web	Servicemember

05/11/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WI 54943	Web

05/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08107	Web	Servicemember

04/27/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

04/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Web

04/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92308	Web

04/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78744	Web

04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44870	Web

04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44870	Web

04/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60621	Web

04/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37334	Web

04/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web

04/01/2020	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	GA 30083	Web

04/01/2020	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	CA 90706	Web

03/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70812	Web

03/27/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48322	Web

03/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 51555	Phone	Older American

03/26/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 55124	Web

03/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11239	Web

03/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48322	Web

03/19/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 15010	Phone

03/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11553	Web

03/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85338	Web

02/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77035	Web

02/14/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL 35210	Web

02/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11201	Web

02/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07043	Web

01/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76006	Web	Servicemember

01/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11727	Web

01/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44830	Web

12/17/2019	Yes	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 92656	Web

12/16/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14048	Web

12/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23231	Web

11/05/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30066	Web

10/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 40218	Fax

10/14/2019	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	AZ 85365	Web	Servicemember

09/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85251	Web

09/26/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19375	Web

09/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07503	Web

08/29/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07093	Web

08/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

08/21/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MN 55106	Web

08/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 62269	Referral

07/01/2019	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	PA 15146	Web

06/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70879	Web

06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33168	Web

06/23/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19454	Web

06/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28212	Web

05/19/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 48457	Web

05/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10567	Web

04/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 49048	Web

04/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

04/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60619	Postal mail

03/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84312	Web

03/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60612	Web

03/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11414	Web

03/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web

03/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77065	Web

03/01/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 12919	Web

02/24/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85212	Web

02/16/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 95843	Web

01/26/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48185	Web	Servicemember

01/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76210	Web

01/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97603	Web

12/20/2018	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	PA 15235	Web

11/27/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 14564	Web

11/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33327	Web

11/13/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11207	Web

11/05/2018	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	CT 06511	Phone

10/30/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19560	Web

10/26/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 10001	Web

10/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07080	Web

09/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33196	Web

09/17/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NY 14304	Web

09/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76548	Web	Servicemember

09/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76547	Web

09/06/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 93950	Fax	Servicemember

08/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27127	Web	Servicemember

08/16/2018	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	IL 60438	Web

07/31/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 14127	Referral

07/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77072	Referral

07/13/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75090	Web

07/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19505	Web

06/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TN 38425	Web

06/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34668	Web

04/24/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33431	Web

04/11/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33431	Web

04/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77651	Web

03/21/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 79745	Web

03/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60473	Web

03/16/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90016	Web

03/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30032	Web

03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29906	Web	Servicemember

02/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34759	Web

02/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11422	Web

02/03/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CT 06444	Web	Older American

01/19/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	LA 70435	Web

01/16/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33431	Web	Older American

01/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07650	Web

12/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92591	Referral

12/06/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CT 06040	Referral

11/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28105	Web

11/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55125	Web

10/23/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75068	Web

10/19/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90044	Web

10/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33618	Web

09/12/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	RI 02905	Web

08/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55901	Web

07/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93950	Web	Servicemember

05/21/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63043	Web

04/03/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 93004	Referral

03/23/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 93313	Postal mail

03/16/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NJ 08817	Web

03/14/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 30287	Postal mail

02/27/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	VA 23936	Web

02/07/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	PA 18343	Phone

01/11/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10002	Postal mail

11/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	MI 48640	Referral	Older American

11/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 27330	Web

10/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06457	Web

10/03/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 62702	Web

08/31/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MN 55902	Web

08/16/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	AL 35094	Web

07/27/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NJ 08094	Web

06/20/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 77573	Web

05/03/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	AL 35633	Web	Servicemember

04/19/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 76021	Web

03/31/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 75640	Web	Servicemember

03/28/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IA 51106	Web

03/25/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 08046	Web

02/01/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 22408	Web

11/19/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	PA 18708	Web

10/26/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MD 21875	Web	Servicemember

10/26/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MD 21875	Web	Servicemember

08/20/2015	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	WA 98664	Web

08/07/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 11205	Referral

06/17/2015	No	Debt collection Credit card	Communication tactics Called after sent written cease of comm	NJ 07480	Web

06/10/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33178	Web

05/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DE 19810	Web

04/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80120	Web

04/24/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NJ 07015	Phone

04/11/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 33157	Web

03/05/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MO 63017	Web

03/05/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	AZ 85546	Web

03/02/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TN 37042	Web

02/26/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78753	Web

02/24/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30144	Web

01/26/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	SC 29170	Phone

12/27/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91724	Web

12/26/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	SC 29745	Web

12/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77375	Web

12/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 15001	Web

12/04/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30350	Web

11/19/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	NY 11365	Web

09/26/2014	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	PA 19355	Web	Older American

09/25/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	AZ 85552	Web	Servicemember

09/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32054	Web	Older American, Servicemember

08/14/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 12303	Postal mail

07/11/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30106	Web

07/09/2014	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 76226	Phone

07/02/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	IL 60611	Web

06/04/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92405	Web

06/02/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33841	Web

04/24/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10025	Referral

04/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 10012	Web

04/04/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NY 14075	Web

03/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32780	Web

02/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 19124	Postal mail

02/05/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	KY 40383	Web

01/30/2014	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MI 48073	Web

12/31/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 22603	Phone

12/02/2013	No	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MI 49024	Web

10/31/2013	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11223	Referral

10/28/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	RI 02921	Postal mail

10/18/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	AL 35114	Web	Older American

10/10/2013	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	NY 11703	Web

09/30/2013	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	MD 21787	Web

09/20/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TN 37771	Web

09/05/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 77375	Web	Servicemember

09/05/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MN 55387	Web

08/18/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78676	Web	Servicemember

08/16/2013	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 94541	Web

08/14/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VA 22603	Phone