Product: Debt collection

Complaint Against BYL Collection Service Date : XX/XX/XXXX Dear CFPB Representative : I am filing this complaint against BYL Collection Services regarding their attempts to collect an alleged debt and their related credit reporting practices. I believe they have violated both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Details : - Collection Agency : BYL Collection Services- Collection Agency Address : XXXX XXXX XXXX, XXXX XXXX, PA XXXX Complaint Against BYL Collection Service Date : XX/XX/XXXX Dear CFPB Representative : I am filing this complaint against BYL Collection Services regarding their attempts to collect an alleged debt and their related credit reporting practices. I believe they have violated both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Details : - Collection Agency : BYL Collection Services- Collection Agency Address : XXXX XXXX XXXX, XXXX XXXX, PA XXXX - Account Number : XXXX - Alleged Original Creditor : XXXX XXXX XXXX XXXX - Reported Balance : {$1000.00} - Date Account Opened : XX/XX/XXXX - Account Type : Reported as Joint Account Nature of Complaint : XXXX. Verification Issues : - BYL Collection Services has failed to properly verify this debt - They can not provide original signed agreements - They have not demonstrated proper chain of custody of the debt - They have not provided itemized accounting of the alleged balance XXXX Credit Reporting Violations : - Reporting unverified debt information to credit bureaus - Failing to mark the account as disputed - Reporting inaccurate information about account status - Reporting without proper authority to do so 3. Collection Practices : - Attempting to collect without proper validation - Failure to provide required FDCPA notices- Reporting as joint account without verification - Unable to prove their legal right to collect Actions Taken : 1. I have sent a detailed debt validation letter to BYL Collection Services on XX/XX/XXXX via certified mail 2. I dispute this debt in its entirety 3. I have requested complete verification of the debt 4. I have demanded they cease credit reporting until validated Desired Resolution : I request that the CFPB : - Remove all credit reporting if unable to validate - Cease collection attempts without proper verification - Provide documentation of their legal right to collect 3. Ensure they follow all requirements under FDCPA and FCRA - Alleged Original Creditor : XXXX XXXX XXXX XXXX - Reported Balance : {$1000.00} - Date Account Opened : XX/XX/XXXX - Account Type : Reported as Joint Account Nature of Complaint : 1. Verification Issues : - BYL Collection Services has failed to properly verify this debt - They can not provide original signed agreements - They have not demonstrated proper chain of custody of the debt - They have not provided itemized accounting of the alleged balance 2. Credit Reporting Violations : - Reporting unverified debt information to credit bureaus - Failing to mark the account as disputed - Reporting inaccurate information about account status - Reporting without proper authority to do so 3. Collection Practices : - Attempting to collect without proper validation - Failure to provide required FDCPA notices- Reporting as joint account without verification - Unable to prove their legal right to collect Actions Taken : 1. I have sent a detailed debt validation letter to BYL Collection Services on XX/XX/XXXX via certified mail 2. I dispute this debt in its entirety 3. I have requested complete verification of the debt 4. I have demanded they cease credit reporting until validated Desired Resolution : I request that the CFPB : - Remove all credit reporting if unable to validate - Cease collection attempts without proper verification - Provide documentation of their legal right to collect Ensure they follow all requirements under FDCPA and FCRA