Consumer complaint received 2023-07-16
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CREDITORS BUREAU USA contracted me by phone trying to collect on a debt I do know owe them. When CREDITORS BUREAU USA initially contacted me, I explained to them this debt was supposed to be paid to them by the surgeon who performed my XXXX. I sued the doctor who performed my XXXX and won my case, in that settlement agreement all bills associated with this debt were supposed to be paid by the surgeon. Instead of getting the information from the original creditor, CREDITORS BUREAU USA decided to purchase this debt. After, they decided to harras me about this debt I don't owe them, then finally, furnish inaccurate information on my consumers report. After contacting me, CREDITORS BUREAU USA did not send me a debt validation notices to alert me about my right to request proof that a debt is valid or dispute the debt, which is required by debt collectors. CREDITORS BUREAU USA has chosen to supply inaccurate and false information to credit reporting agencies all while knowing this inaccurate reporting would have a significant impact on my consumer credit score.CREDITORS BUREAU USA still chose to furnished the information after knowing this debt is not obligated to me. CFPB requires debt collectors to furnish accurate information on consumers reports and CREDITORS BUREAU USA is doing the complete opposite.They have not handled this debt correctly as 12 CFR 1022.41 ( d ) states it should be handled.12 CFR 1022.41 ( d ) states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

CREDITORS BUREAU USA is in direct violation of this code and many more, Not only is this account not supposed to be being furnished on my consumers report they are reporting different/inaccurate information to all credit bureaus. I have attached a photo to this complaint showing all the inaccuracies CREDITORS BUREAU USA is reporting on this account. There is different information being reported on the day this account was opened, the date last active, last reported, the credit amount etc.CREDITORS BUREAU USA did not handle this account with accuracy and integrity, this account is not furnished to minimize the likelihood that the information may be incorrectly reflected in my consumer report in which this information is INCORRECT!

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