Consumer complaint received 2022-03-09
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX XXXX XXXX CREDITORS BUREAU USA has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and a follow up on XX/XX/XXXX and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. 



I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with CREDITORS BUREAU USA or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof. 



Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) CREDITORS BUREAU USA is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. 
This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

( 2 ) Terrorism offense.

Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. 



The company has violated the following laws 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business twice {$2000.00} 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 4 times {$4000.00} - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation