Consumer complaint received 2019-04-03
Company: Tulsa Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Tab XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX, CFPB, Oklahoma Attorney General On XX/XX/XXXX, I obtained a credit alert for derogatory credit action taken against my credit score. As a result, my credit score dropped 37 points but most importantly dropped from Very Good to Good. I also had 0 late payments on my credit report ever until they marked this late. 
Tab XXXX is listed as the collection agency taking the derogatory action against me. Tab Collections  is attempting to collect an unknown debt for {$140.00}. I have no contract with Tab Services  nor have ever done business with them. 
However, in XXXX, I have a letter from Tab attempting to collect a debt on another entitys behalf. I promptly sent a certified letter to tab   disputing the collection attempt. 
1. I originally requested and hereby request again the following ; A. The contract that states I owe the amount shown. 
B. A detailed statement showing exactly what the charges that make up the total balance are. 
C. A detailed statement showing the dates and what services exactly were given. Not a summary. 
D. Show proof they own the debt or are contracted to collect upon another companys behalf. 
E. The name and address of the original creditor. 
Tab XXXX never sent the above information. However, on XX/XX/XXXX, made a derogatory claim on my credit report without responding to my verification or validation request. In fact, sent nothing. 

TAB  SERVICES NEVER RESPONDED TO THE VALIDATION REQUEST AND THUS CAN NOT CONTACT ME, FILE LAWSUIT, OR SEND INFORMATION TO CREDIT AGENCIES UNTIL THEY DO SO. THEY VIOLATED THE FOLLOWING. 
809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

2. I demand Tab  immediately remove any and all information from my credit report A. All 3 agencies need the information removed immediately. 
B. TAB Services  should pay me for the violations above and for intentionally damaging my credit. A {$100.00} payment to a charity on the XXXX XXXX in XXXX, OK will suffice. 
C. Tab will cease all collection efforts until they comply with the Fair Debt Collection Practices ACT and restore my credit. 
D. I also demand Tab mark my credit file as disputed if they chose not to remove the trade line in its entirety. 
E. I also demand Tab  mark my file and send a letter confirming I dispute the charges. 

3. Again, I dispute the debt, demand the information I requested, demand the derogatory information is removed from my reports, demand you cease collection efforts until you are in compliance with collection laws, demand a {$100.00} payment to my charity of choice for your intentional harm to my credit and the distress youve caused me from learning this information. Again, I will have to resend certified letters to Tab and now all 3 credit agencies to get this fixed. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OK XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation