Consumer complaint received 2023-06-28
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to file a complaint against Bull City Financial Solutions , Inc. for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance for the 2nd time in addressing these issues and taking appropriate action against Bull City Financial Solutions , Inc. : Bull City Financial Solutions , Inc. has failed to supply proof under the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I have requested numerous of times that Bull City Financial Solutions, Inc. provide me with the completed original contract, including all endorsements and assignments, pertaining to the account they have reported on my credit report. In the absence of such evidence, Bull City Financial Solutions , Inc. to promptly remove all inaccurate or unverifiable information related to the account from my credit report. Furthermore, I request that Bull City Financial Solutions , Inc. ceases reporting this disputed information to any third parties immediately Bull City Financial Solutions , Inc. has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed an act of reporting inaccurate information to the credit bureaus regarding alleged charged-off account, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on Form 1099-C. Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that Bull City Financial Solutions, Inc. provide me with the completed original contract, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with Bull City Financial Solutions , Inc . If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that Bull City Financial Solutions , Inc. cease the reporting of this disputed information to any third parties without delay. I want to bring to your attention that Bull City Financial Solutions , Inc. have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form 1099-C. I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by Bull City Financial Solutions , Inc.. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. I appreciate your prompt assistance in resolving this matter. Thank you for your attention to this complaint. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation