Consumer complaint received 2018-12-18
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Consumer financial Protection Bureau XXXX XXXX XXXX XXXX IA XXXX Re : Violation of Fair Debt Collections Practices Act. 


I XXXX XXXX over the past six months have tried to validate/verify the supposed debt with XXXX XXXX XXXX XXXX XXXX  that the collection agency in XXXX XXXX XXXX Florida has placed on my credit buraus file. 
Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this process I have : 1. Sent several letters to XXXX XXXX XXXX XXXX XXXX over the past 6 months ( Please see enclosed copies of envelopes and letters ). 
2. The first letter I sent was non-certified dated XX/XX/2018. This letter was returned to sender with parts of it marked out. 
3. The second letter was sent certified dated XX/XX/2018. This letter was returned marked not deliverable unable to forward. 
4. Then I sent letters disputing this collection account with the three credit buraus XXXX, XXXX and XXXX ( enclosed are the letters with paperwork to the credit buraus labeled 1-6 ) Every time I dispute this account { that I can not verify or validate with the Original creditor } some of the credit buraus come back and say this account has been VERIFIED this account belongs to me ( please see enclosed paperwork from XXXX and XXXX labeled 1a and 2a ). 

I have sent letters to the three credit bureaus asking them how they can verify and or validate this account when I can not do that. As of this date XX/XX/2018 I have received no response to those letters ( letters labeled 3a and 3b ) I  have also sent a letter to the collection agency : Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( letter labeled 4d ) as of this date I have received no response to the letter. 

Since am not able myself to validate or even verify this debt with the original creditor and the collection agency : Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are not willing to correspond or communicate with me on this det that I supposedly owe. Nor are they willing to provide any proof I have asked for in my letter to them then this debt is unverifiable. However, the collection agency will communicate with the credit bureaus and tell them the debt is verifiable and that makes the credit bureaus keep a debt I can not even verify nor able to validate my self with the credit bureaus on my credit history. 
With this the collection agency is violating the FDCPA by placing a non-verifiable det on my credit files with the credit bureaus XXXX XXXX  and XXXX. 

The resolution to this : 1. I need the non-verifiable non-validated det removed from my credit files with the three credit bureaus XXXX, XXXX and XXXX. 
2. If there are any state or Federal disciplinary actions that can be taken ageist this collection agency for placing a non-verifiable non-validated det on my credit history. 

XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation