Consumer complaint received 2019-06-02
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I randomly received a letter in the mail from Creditors Bureau usa a few weeks ago. It reads in the top left : Creditors Bureau usa A professional debt collection agency XXXX XXXX XXXX, XXXX CA XXXX Monday-Friday XXXX AM to XXXX pm ( XXXX ) XXXX XXXX In the top right, it shows the original creditor as a medical office I stopped going to a while ago. It was suspicious to me at first, because I received this letter several weeks AFTER paying off the balance I owed from the last time I was treated in the office ( sometime in XXXX ). When I payed, I went in to the office, so I know that I payed off everything when they told me at the office. The balance on the letter did not match the amount I payed at the real office. Which I have bank statements of. 

The rest of the letter reads, Your creditor has assigned the above past due account to the Creditors Bureau USA for collection. Your creditors records indicate that this debt is unpaid and due. Please pay in full or contact our office for payment arrangements. 

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of judgement and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after recieving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described above. 

Interest may continue to accrue on the principal balance until it is paid. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Our office may use call monitoring and/or recording for improved customer service. 

Thank you, XXXX XXXX, Debt Collector SO I looked up XXXX XXXX on XXXX ... 
Found out shes a well-known porn-star. 

After that, I looked up the business and address. The results were just as bad. On yelp, there are countless bad reviews on how people have been scammed and filing police reports. 

It also says on the letter that you can pay online at XXXX The website is just as ( if not more ) horrendous as the above. 

This place appears to have been up and running for years. I almost paid off $ XXXX on the website before doing some research. Now I am writing to inform I have the letter and all other documents required to take action. 

I also hope it is shut down before more people fall for this scam. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation