Consumer complaint received 2023-02-17
Company: Collection Bureau of America Ltd.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I received an email alert with the subject " Review the potentially negative activity on your credit report '' from my credit card company. I saw the email mentioned " Credit information provided by XXXX ''. Therefore, I went to the XXXX website to check what happened. I signed up at the XXXX website for the first time. 

I found an account that newly showed up on my XXXX credit report that has the Account Name " COLLECTION BUREAU OF AMERICA '' said " Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. '' with Original creditor " XXXX XXXX XXXX ''. 

I immediately found this account was a complete fraud and absolutely did not belong to me. I looked up " XXXX XXXX XXXX '' and they seem to be a property management company in XXXX XXXX, CA. I have never rented or done any business with them. I have rented the exact same unit at my current apartment complex in XXXX XXXX, CA since XX/XX/XXXX. I never owe " XXXX XXXX XXXX '' any money. 

On XX/XX/XXXX, I called XXXX to dispute this account, explained this shouldn't belong to me, and requested XXXX delete this account from my credit report. 

On XX/XX/XXXX, XXXX emailed that the dispute is completed. I still see the account on my credit report. 

On XX/XX/XXXX, I called XXXX again and explained again that this account shouldn't belong to me, I lived in the same apartment since XX/XX/XXXX. The first representative of the XXXX phone line told me she didn't see a Social Security Number associated with this account. She believed this might be a " mix up '' so she transferred my call to their " Mix Department ''. 
The second representative then told me they confirmed with " COLLECTION BUREAU OF AMERICA '' that the personal information was accurate, so the account was verified. I challenged the representative whether " COLLECTION BUREAU OF AMERICA '' provided my SSN because the first representative told me there was no SSN. The second representative didn't confirm about SSN but kept saying personal information was accurate etc. I requested XXXX to provide proof, he told me I had to contact " COLLECTION BUREAU OF AMERICA ''. At the end of the conversation, XXXX opened another dispute for me. 

On the same day XX/XX/XXXX, I called " COLLECTION BUREAU OF AMERICA '' directly. My call kept getting transferred or hung up, so I spoke to roughly XXXX representatives. None of them could provide any proof that the collection account/debit belongs to me. The information they had ( such as name, date of birth, and address ) did not match my personal information at all. At last XXXX representative said he couldn't do anything because the account was disputed already and hung up. 

On XX/XX/XXXX, XXXX emailed again that the dispute is completed. I still see the account on my credit report. 

I am totally upset with both XXXX and " COLLECTION BUREAU OF AMERICA '', please help me delete this fraud account from my credit report. This account does not belong to me and should never show up on my credit report. Thank you!

Company response to consumer: Closed with explanation