Consumer complaint received 2020-08-25
Company: Collection Bureau of Fort Walton Beach, Inc
State: AR
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: Their investigation did not fix an error on your report

Complaint:
Collection Bureau of Ft. Walton Beach , FL , Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX XXXX. The entry on my reports reflect that Credit Bureau of Ft. Walton Beach reported this entry in XXXX and XX/XX/XXXX on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. 

I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Collection Bureau of Ft. Walton Beach, FL. To that end, in XX/XX/XXXX ( see attached letter ), I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 6 months to respond to me, yet they have not. 
I submitted two letters to this company ( see attached ). In my first dispute letter to them in XX/XX/XXXX, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. 

In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release my medical information to them and cease any credit bureau reporting until the debt had been validated by me. They DID NOT. 

Even more specific is the reporting they are doing among the bureaus. The bureaus reflect different information for this same account. Again, further proves the inaccuracies and their negligence. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. Why does XXXX reflect payment history in XXXX and XXXX, yet on XXXX, this collection company states the payment status is PAID. This is misleading and yet another inaccuracy of this company. If the debt is paid, why are they continuing to report this information as if they are collecting on it? Prior to reporting any alleged medical entry to consumer 's credit report, the XXXX provides a collection company must wait 6 months. This company violated this as well. Their reporting again began in XX/XX/XXXX and the date opened reflects XXXX and XX/XX/XXXX. This is only a mere 2-3 months. 

Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Collection Bureau of Ft. Walton Beach, Fl has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation