Consumer complaint received 2023-03-10
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Credit Bureau Systems , Inc. for their reporting of a debt of {$78.00} to the credit reporting agencies without properly investigating or showing evidence that I owed the debt. When I asked for verification of the debt, they sent me paperwork that did not have my name or any identifying information on it. 

I believe that Credit Bureau Systems , Inc. has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information to the credit reporting agencies. I have been adversely affected by this reporting, as it has lowered my credit score and made it difficult for me to obtain credit. 

Despite my repeated requests for verification of the debt, Credit Bureau Systems , Inc. has failed to provide me with any meaningful evidence that I owe the debt in question. The paperwork they sent me did not include any identifying information that would allow me to determine if it was actually related to me. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Credit Bureau Systems , Inc. for their violations of the FCRA. I also request that Credit Bureau Systems , Inc. be required to remove the inaccurate and incomplete information from my credit reports and provide me with verification of the debt in question. 

I disputed the company multiple time on the following dates : XX/XX/23 XX/XX/23 XX/XX/23 The company never changed anything and marked it as verified. 
The papers that the collection company sends as part of their investigation into your dispute should ideally have your name or some other identifying information on them. This information is necessary to verify that the debt in question belongs to you. 

Under the Fair Credit Reporting Act ( FCRA ), a debt collector is required to provide you with verification of the debt if you dispute it. This verification should include the name of the original creditor, the amount of the debt, and other identifying information related to the debt. 

If the collection company sends you paperwork that does not have your name or other identifying information on it, you should follow up with them and request additional documentation that will help you determine whether the debt belongs to you. You can also dispute the accuracy of the information with the credit reporting agency that is reporting the debt, and provide them with any supporting documentation or evidence that you have.

Ultimately, if the collection company can not provide sufficient evidence that you owe the debt, the credit reporting agency may be required to remove the debt from your credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation